OPFI Should I Buy
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0.000
0.000(0.000%)
At close0.000(0.000%)Aft-market
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OPFI is not a good buy right now for an impatient investor. Despite strong recent fundamentals and a bullish analyst target, the current tape is still bearish (price below key moving averages, weak momentum), insiders are aggressively selling, and pattern-based odds favor further downside over the next day/week/month. I would avoid initiating a new position pre-market at 9.72 and only consider buying after a clear reclaim of resistance (10.17+) or a momentum reversal.
Trend is bearish: SMA_200 > SMA_20 > SMA_5 indicates a sustained downtrend with weak near-term structure. MACD histogram (-0.0446) is below zero (bearish momentum), though it is contracting, which can hint at selling pressure easing. RSI_6 at ~29 is near oversold, suggesting a possible short-term bounce, but not a confirmed reversal. Key levels: support S1=9.56 then S2=9.37; resistance/pivot at 9.86, then R1=10.17 and R2=10.36. With price at 9.72 (below pivot 9.863), the setup still leans downside unless it reclaims and holds above ~9.86–10.17. Pattern analogs also point to weakness: estimated 60% odds of -1.55% next day, -1.48% next week, -3.29% next month.
leans bullish, suggesting some market participants are positioned for upside.
Clear technical downtrend (bearish moving average stack, MACD below zero); price is below pivot and must reclaim resistance to shift the trend.
Insiders are selling, with selling amount up ~134.6% over the last month—this is a meaningful negative signal for near-term confidence.
No supportive near-term news flow (no notable catalysts reported in the last week).
Pattern-based projection tilts negative over short/medium horizons (next day/week/month expected drift lower).
Latest reported quarter: 2025/Q3. Revenue grew to $153.377M (+13.72% YoY), net income rose to $41.635M (+876.43% YoY), and EPS increased to $0.47 (+123.81% YoY). Overall, the quarter shows strong profitability and earnings acceleration alongside solid top-line growth—fundamentals are a tailwind, but currently not enough to override the bearish price trend and insider selling for an immediate buy.
Recent trend: bullish. On 2026-01-20, Citizens raised its price target to $16 from $14 and maintained an Outperform rating, citing improving credit/funding conditions and a supportive regulatory/macro backdrop. Wall Street pros: accelerating earnings, credit stabilization, and improving funding costs. Cons: current chart is still weak and insider selling is heavy, which often caps near-term upside even when targets are raised.
