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OP Bancorp (OPBK) Financials

OP Bancorp logo
$14.89 -0.18 (-1.19%)
Closing price 04:00 PM Eastern
Extended Trading
$14.90 +0.01 (+0.10%)
As of 04:10 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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Annual Income Statements for OP Bancorp

Annual Income Statements for OP Bancorp

This table shows OP Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 7.43 9.24 14 17 13 29 33 24 21 26
Consolidated Net Income / (Loss)		 7.43 9.24 14 17 13 29 33 24 21 26
Net Income / (Loss) Continuing Operations		 7.43 9.24 14 17 13 29 33 24 21 26
Total Pre-Tax Income 		12 17 19 22 18 41 47 33 29 35
Total Revenue		 37 45 50 56 56 77 95 83 82 95
Net Interest Income / (Expense)		 28 36 41 44 45 61 77 69 66 78
Total Interest Income		 32 40 50 59 54 64 88 122 138 150
Loans and Leases Interest Income		 31 39 48 56 52 62 83 110 124 137
Investment Securities Interest Income		 0.66 0.68 0.99 1.35 1.18 1.09 3.35 6.13 6.23 6.31
Other Interest Income		 0.51 0.50 0.98 1.71 0.65 0.63 2.00 5.07 7.03 7.14
Total Interest Expense		 3.37 4.57 9.11 15 8.29 3.13 11 53 72 72
Deposits Interest Expense		 3.29 4.47 8.96 15 8.29 3.13 11 49 68 69
Long-Term Debt Interest Expense		 0.09 0.10 0.15 - 0.00 0.00 0.09 3.54 3.89 3.13
Total Non-Interest Income		 9.01 8.99 9.33 11 11 16 18 14 16 16
Other Service Charges		 3.50 4.05 4.45 5.52 4.68 4.70 5.33 6.34 8.11 9.26
Net Realized & Unrealized Capital Gains on Investments		 5.51 4.94 4.88 5.91 6.09 11 12 7.84 8.31 7.07
Provision for Credit Losses		 1.68 1.31 1.27 1.10 5.96 0.52 2.98 1.65 2.76 3.58
Total Non-Interest Expense		 23 26 30 33 32 36 45 48 50 56
Salaries and Employee Benefits		 15 16 18 20 20 21 27 30 32 36
Net Occupancy & Equipment Expense		 4.70 5.24 5.34 6.18 6.66 7.21 8.05 8.60 8.92 8.22
Marketing Expense		 0.56 0.63 0.81 0.81 0.47 0.68 0.54 0.61 0.53 0.51
Property & Liability Insurance Claims		 0.37 0.38 - 0.26 0.45 0.58 0.81 1.46 1.67 1.78
Other Operating Expenses		 3.15 3.53 5.21 5.01 4.33 6.13 8.24 7.46 7.36 9.28
Income Tax Expense		 4.89 7.89 5.20 5.32 5.11 12 13 9.57 8.01 9.69
Basic Earnings per Share		 $0.55 $0.68 $0.92 $1.04 $0.85 $1.89 $2.15 $1.55 $1.39 $1.72
Weighted Average Basic Shares Outstanding		 - - 15.68M - 15.03M 15.14M 15.34M 14.96M 14.91M 14.89M
Diluted Earnings per Share		 $0.53 $0.66 $0.89 $1.03 $0.85 $1.88 $2.14 $1.55 $1.39 $1.72
Weighted Average Diluted Shares Outstanding		 - - 15.68M - 15.03M 15.14M 15.34M 14.96M 14.91M 14.89M
Weighted Average Basic & Diluted Shares Outstanding		 - - 15.68M - 15.03M 15.14M 15.34M 14.96M 14.91M 14.89M
Cash Dividends to Common per Share		 - - - $0.20 $0.28 $0.34 $0.44 $0.48 $0.48 $0.48

Quarterly Income Statements for OP Bancorp

This table shows OP Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
Net Income / (Loss) Attributable to Common Shareholders		 5.17 5.23 5.44 5.44 4.97 5.56 6.33 6.70 7.04 7.23 7.98
Consolidated Net Income / (Loss)		 5.17 5.23 5.44 5.44 4.97 5.56 6.33 6.70 7.04 7.23 7.98
Net Income / (Loss) Continuing Operations		 5.17 5.23 5.44 5.44 4.97 5.56 6.33 6.70 7.04 7.23 7.98
Total Pre-Tax Income 		7.30 7.26 7.57 7.58 6.67 7.68 8.45 9.67 9.53 9.91 11
Total Revenue		 20 20 20 21 21 22 24 24 24 25 26
Net Interest Income / (Expense)		 16 16 16 17 17 17 20 20 21 21 20
Total Interest Income		 32 33 34 35 35 35 38 39 39 39 38
Loans and Leases Interest Income		 29 30 31 32 32 32 34 35 36 35 36
Investment Securities Interest Income		 1.48 1.46 1.59 1.63 1.55 1.50 1.44 1.70 1.68 1.76 1.82
Other Interest Income		 1.39 1.31 2.16 1.79 1.77 1.67 1.97 1.82 1.68 1.90 0.64
Total Interest Expense		 16 17 18 19 18 17 18 18 18 18 18
Deposits Interest Expense		 14 16 17 18 17 17 17 17 17 17 17
Long-Term Debt Interest Expense		 1.43 1.26 0.82 0.87 0.94 0.83 0.47 0.73 1.10 1.17 1.23
Total Non-Interest Income		 3.68 3.59 4.18 4.24 4.42 4.82 3.97 4.13 3.42 4.03 5.65
Other Service Charges		 1.68 1.88 1.86 2.15 2.22 2.80 2.53 2.09 1.85 1.98 2.28
Net Realized & Unrealized Capital Gains on Investments		 2.00 1.70 2.33 2.09 2.20 2.02 1.44 2.04 1.57 2.05 3.37
Provision for Credit Losses		 0.63 0.15 0.62 0.45 1.55 0.74 1.21 1.18 0.46 0.41 -0.15
Total Non-Interest Expense		 12 12 12 13 13 14 14 14 14 14 15
Salaries and Employee Benefits		 7.65 7.84 7.57 8.03 8.28 8.78 9.08 8.89 9.24 9.28 9.73
Net Occupancy & Equipment Expense		 2.26 2.14 2.19 2.31 2.28 1.88 1.89 1.94 2.51 2.22 2.28
Marketing Expense		 0.09 0.15 0.15 0.15 0.08 0.16 0.23 0.13 -0.01 0.12 0.10
Property & Liability Insurance Claims		 0.24 0.37 0.38 0.39 0.53 0.49 0.51 0.43 0.36 0.42 0.39
Other Operating Expenses		 1.75 1.65 1.90 1.84 1.97 2.52 2.33 2.24 2.19 2.20 2.32
Income Tax Expense		 2.13 2.04 2.14 2.14 1.70 2.12 2.11 2.97 2.49 2.68 3.06
Basic Earnings per Share		 $0.35 $0.34 $0.36 $0.36 $0.33 $0.37 $0.42 $0.45 $0.48 $0.49 $0.54
Weighted Average Basic Shares Outstanding		 14.96M 14.96M 14.81M 14.81M 14.91M 14.81M 14.89M 14.89M 14.89M 14.89M 14.93M
Diluted Earnings per Share		 $0.35 $0.34 $0.36 $0.36 $0.33 $0.37 $0.42 $0.45 $0.48 $0.48 $0.53
Weighted Average Diluted Shares Outstanding		 14.96M 14.96M 14.81M 14.81M 14.91M 14.81M 14.89M 14.89M 14.89M 14.89M 14.93M
Weighted Average Basic & Diluted Shares Outstanding		 14.96M 14.96M 14.81M 14.81M 14.91M 14.81M 14.89M 14.89M 14.89M 14.89M 14.93M

Annual Cash Flow Statements for OP Bancorp

This table details how cash moves in and out of OP Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 -17 43 14 8.31 20 9.15 -32 8.24 44 32
Net Cash From Operating Activities		 11 -2.15 31 19 -4.85 -28 84 68 31 26
Net Cash From Continuing Operating Activities		 11 -2.15 31 19 -4.85 -28 84 68 31 26
Net Income / (Loss) Continuing Operations		 7.43 9.24 14 17 13 29 33 24 21 26
Consolidated Net Income / (Loss)		 7.43 9.24 14 17 13 29 33 24 21 26
Provision For Loan Losses		 1.68 1.31 1.27 1.10 5.96 0.52 2.98 1.65 2.76 3.58
Depreciation Expense		 1.08 1.01 1.04 1.15 1.30 1.31 1.37 4.47 4.65 7.26
Non-Cash Adjustments to Reconcile Net Income		 2.16 -16 14 -3.48 -26 -68 49 40 -6.72 -8.63
Changes in Operating Assets and Liabilities, net		 -3.57 -0.25 -1.89 3.42 0.59 8.69 -3.58 -2.11 9.49 -1.69
Net Cash From Investing Activities		 -160 -82 -146 -118 -147 -286 -462 -76 -187 -243
Net Cash From Continuing Investing Activities		 -160 -82 -146 -118 -147 -286 -462 -76 -187 -243
Purchase of Property, Leasehold Improvements and Equipment		 -0.26 -0.42 -1.20 -1.74 -0.62 -1.13 -1.41 -2.18 -1.56 -2.80
Purchase of Investment Securities		 -168 -87 -152 -17 -175 -320 -491 -95 -209 -271
Sale and/or Maturity of Investments		 8.07 6.17 6.56 17 30 36 32 24 28 31
Net Cash From Financing Activities		 132 127 130 107 172 323 346 16 200 249
Net Cash From Continuing Financing Activities		 132 127 130 107 172 323 346 16 200 249
Net Change in Deposits		 142 112 132 116 179 334 352 -78 220 253
Issuance of Debt		 - 15 0.00 0.00 10 0.00 0.00 105 20 150
Repayment of Debt		 -10 - -25 0.00 -5.00 -5.00 0.00 0.00 -30 -145
Repurchase of Common Equity		 - - 0.00 -5.39 -8.10 -0.03 0.00 -3.93 -2.74 -0.71
Payment of Dividends		 - - 0.00 -3.15 -4.26 -5.13 -6.68 -7.27 -7.14 -7.13
Other Financing Activities, Net		 0.16 0.43 0.71 0.37 0.27 -0.35 0.53 0.79 -0.04 -0.78
Cash Interest Paid		 3.40 4.47 7.82 14 9.96 3.60 9.09 43 69 73
Cash Income Taxes Paid		 5.43 7.74 6.61 4.21 6.13 11 14 8.39 8.26 7.47

Quarterly Cash Flow Statements for OP Bancorp

This table details how cash moves in and out of OP Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
Net Change in Cash & Equivalents		 -15 48 -12 39 -32 64 6.53 -39 0.56 -7.05 15
Net Cash From Operating Activities		 -1.42 -3.15 16 13 5.29 5.62 -6.98 24 3.56 7.72 -7.31
Net Cash From Continuing Operating Activities		 -1.42 -3.15 16 13 5.29 5.62 -6.98 24 3.56 7.72 -7.31
Net Income / (Loss) Continuing Operations		 5.17 5.23 5.44 5.44 4.97 5.56 6.33 6.70 7.04 7.23 7.98
Consolidated Net Income / (Loss)		 5.17 5.23 5.44 5.44 4.97 5.56 6.33 6.70 7.04 7.23 7.98
Provision For Loan Losses		 0.63 0.15 0.62 0.45 1.55 0.74 1.21 1.18 0.46 0.41 -0.15
Depreciation Expense		 3.50 0.37 0.33 3.12 0.33 1.28 0.39 4.89 1.63 2.07 1.75
Non-Cash Adjustments to Reconcile Net Income		 -3.40 -15 8.75 -2.72 1.95 0.26 -16 12 -5.39 1.56 -17
Changes in Operating Assets and Liabilities, net		 -4.94 4.90 -0.37 8.86 -3.98 -2.22 -0.14 0.77 -0.19 -3.56 -0.35
Net Cash From Investing Activities		 -2.34 -35 -79 -56 -18 -82 -24 -104 -33 -60 -17
Net Cash From Continuing Investing Activities		 -2.34 -35 -79 -56 -18 -82 -24 -104 -33 -60 -17
Purchase of Property, Leasehold Improvements and Equipment		 -0.23 -0.09 -0.08 -0.58 -0.82 -1.42 -0.72 -0.55 -0.10 -0.11 -0.13
Purchase of Investment Securities		 -6.31 -39 -84 -62 -25 -87 -28 -109 -47 -70 -27
Sale and/or Maturity of Investments		 5.48 5.14 6.91 7.07 8.55 6.60 7.52 7.56 9.04 12 11
Other Investing Activities, net		 -1.28 -1.04 -1.51 -0.76 -0.96 0.00 -2.61 -2.63 - -1.64 -0.22
Net Cash From Financing Activities		 -11 86 51 82 -19 140 37 42 30 45 39
Net Cash From Continuing Financing Activities		 -11 86 51 82 -19 140 37 42 30 45 39
Net Change in Deposits		 -18 88 45 124 -37 163 65 19 7.13 47 41
Issuance of Debt		 10 30 10 -40 20 0.00 50 75 25 25 15
Repayment of Debt		 - -30 - - - -20 -75 -50 - -25 -15
Payment of Dividends		 -1.80 -1.80 -1.79 -1.78 -1.78 -1.78 -1.78 -1.79 -1.79 -1.79 -2.08
Other Financing Activities, Net		 - 0.14 -0.12 - -0.06 -0.72 -0.04 - -0.02 -0.03 -0.06
Cash Interest Paid		 16 17 15 15 22 19 17 18 20 17 17
Cash Income Taxes Paid		 0.02 0.00 5.50 1.44 1.33 0.02 3.48 1.26 2.71 0.03 6.06

Annual Balance Sheets for OP Bancorp

This table presents OP Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2017 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2017 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 901 1,180 1,367 1,727 2,094 2,148 2,366 2,650
Cash and Due from Banks		 63 86 106 115 83 91 12 11
Interest Bearing Deposits at Other Banks		 - - - - - - 123 156
Trading Account Securities		 57 59 118 240 254 196 190 204
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 1,744 0.00 0.00
Premises and Equipment, Net		 4.48 5.23 4.54 4.36 4.40 5.25 5.45 5.74
Other Assets		 776 50 1,138 1,367 1,753 111 2,035 2,273
Total Liabilities & Shareholders' Equity		 901 1,180 1,367 1,727 2,094 2,148 2,366 2,650
Total Liabilities		 810 1,039 1,223 1,561 1,918 1,955 2,161 2,422
Non-Interest Bearing Deposits		 289 294 523 775 702 523 505 521
Interest Bearing Deposits		 484 726 677 759 1,184 1,285 1,522 1,760
Accrued Interest Payable		 0.42 2.69 1.02 0.56 2.77 13 16 15
Long-Term Debt		 25 0.00 5.00 - 0.00 105 95 100
Other Long-Term Liabilities		 11 16 17 27 29 30 23 28
Total Equity & Noncontrolling Interests		 91 141 143 165 177 193 205 228
Total Preferred & Common Equity		 91 141 143 165 177 193 205 228
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 91 141 143 165 177 193 205 228
Common Stock		 73 94 87 87 89 87 86 85
Retained Earnings		 19 46 55 79 106 121 135 153
Accumulated Other Comprehensive Income / (Loss)		 -0.35 0.19 0.84 -1.20 -18 -15 -15 -10

Quarterly Balance Sheets for OP Bancorp

This table presents OP Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026 Q2 2026
Period end date 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026 6/30/2026
Total Assets		 2,143 2,235 2,291 2,388 2,513 2,564 2,614 2,699 2,744
Cash and Due from Banks		 106 139 128 167 199 17 11 13 22
Interest Bearing Deposits at Other Banks		 - - - - - 189 156 147 153
Trading Account Securities		 191 203 206 208 187 195 207 219 224
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 1,908 2,019 0.00 0.00 0.00 0.00
Premises and Equipment, Net		 5.38 4.97 4.72 4.96 6.53 6.85 7.00 5.52 5.30
Other Assets		 1,840 1,887 1,953 101 102 2,156 2,233 2,314 2,340
Total Liabilities & Shareholders' Equity		 2,143 2,235 2,291 2,388 2,513 2,564 2,614 2,699 2,744
Total Liabilities		 1,958 2,040 2,095 2,184 2,303 2,350 2,393 2,466 2,506
Non-Interest Bearing Deposits		 606 539 518 562 553 566 544 547 552
Interest Bearing Deposits		 1,220 1,356 1,422 1,503 1,637 1,689 1,729 1,781 1,816
Accrued Interest Payable		 14 12 16 19 15 16 16 15 16
Long-Term Debt		 95 105 115 75 75 50 75 100 100
Other Long-Term Liabilities		 25 27 23 25 23 29 28 24 22
Total Equity & Noncontrolling Interests		 184 195 196 204 210 214 221 233 239
Total Preferred & Common Equity		 184 195 196 204 210 214 221 233 239
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 184 195 196 204 210 214 221 233 239
Common Stock		 88 87 85 85 85 84 85 85 85
Retained Earnings		 117 124 128 132 139 143 148 159 165
Accumulated Other Comprehensive Income / (Loss)		 -21 -17 -17 -13 -14 -14 -11 -11 -11

Annual Metrics And Ratios for OP Bancorp

This table displays calculated financial ratios and metrics derived from OP Bancorp's official financial filings.

Metric 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 0.00 0.00 15,783,338.00 15,702,743.00 15,095,249.00 15,133,407.00 15,199,840.00 14,999,203.00 - 14,885,614.00
DEI Adjusted Shares Outstanding		 0.00 0.00 15,783,338.00 15,702,743.00 15,095,249.00 15,133,407.00 15,199,840.00 14,999,203.00 - 14,885,614.00
DEI Earnings Per Adjusted Shares Outstanding		 0.00 0.00 0.90 1.07 0.87 1.91 2.19 1.59 - 1.72
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 0.00% 19.71% 12.51% 10.76% 0.78% 37.25% 22.70% -12.34% -1.01% 15.41%
EBITDA Growth		 0.00% 33.88% 11.92% 2.10% -13.40% 108.82% 16.34% -22.42% -11.16% 26.28%
EBIT Growth		 0.00% 39.01% 13.60% 13.46% -17.40% 122.97% 14.93% -28.32% -13.17% 21.49%
NOPAT Growth		 0.00% 24.37% 54.32% 17.57% -21.66% 119.70% 15.50% -28.20% -11.91% 21.67%
Net Income Growth		 0.00% 24.39% 54.32% 17.57% -21.66% 119.70% 15.50% -28.20% -11.91% 21.67%
EPS Growth		 0.00% 24.53% 34.85% 15.73% -17.48% 121.18% 13.83% -27.57% -10.32% 23.74%
Operating Cash Flow Growth		 0.00% -120.29% 1,525.48% -37.98% -125.56% -482.93% 396.11% -19.08% -53.80% -16.27%
Free Cash Flow Firm Growth		 0.00% 0.00% 221.90% -194.71% 104.31% 124.55% 80.37% -547.78% 119.32% -109.90%
Invested Capital Growth		 0.00% 0.00% -100.00% 0.00% 5.54% 11.36% 7.08% 68.23% 0.80% 9.16%
Revenue Q/Q Growth		 0.00% 0.00% 2.02% 0.00% 0.00% 10.33% -1.01% -4.06% 1.78% 3.20%
EBITDA Q/Q Growth		 0.00% 0.00% 0.86% 531.69% 1,419.08% 19.71% -2.75% -7.81% -2.76% 19.48%
EBIT Q/Q Growth		 0.00% 0.00% 0.60% 0.00% 0.00% 17.21% -3.67% -10.24% -2.12% 8.81%
NOPAT Q/Q Growth		 0.00% 0.00% 15.06% 0.00% 0.00% 22.60% -3.21% -10.67% -0.95% 8.78%
Net Income Q/Q Growth		 0.00% 0.00% 15.06% 0.00% 0.00% 22.60% -3.21% -10.67% -0.95% 8.78%
EPS Q/Q Growth		 0.00% 0.00% 11.25% 0.00% 0.00% 22.08% -3.17% -9.88% -1.42% 9.55%
Operating Cash Flow Q/Q Growth		 0.00% 0.00% 25.00% -18.70% 79.20% 8.33% -20.00% -6.09% 26.79% -6.58%
Free Cash Flow Firm Q/Q Growth		 0.00% 0.00% 0.00% -881.30% 138.24% -27.14% 66.98% -33.62% -14.89% -132.64%
Invested Capital Q/Q Growth		 0.00% 0.00% -100.00% 2.17% -2.10% 4.16% -1.77% 6.56% 7.68% 10.45%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 40.72% 45.54% 45.30% 41.76% 35.88% 54.60% 51.77% 45.81% 41.11% 44.98%
EBIT Margin		 33.00% 38.32% 38.69% 39.64% 32.48% 52.77% 49.43% 40.41% 35.45% 37.31%
Profit (Net Income) Margin		 19.89% 20.66% 28.34% 30.09% 23.38% 37.43% 35.24% 28.86% 25.68% 27.08%
Tax Burden Percent		 60.27% 53.92% 73.25% 75.91% 71.99% 70.94% 71.29% 71.42% 72.45% 72.56%
Interest Burden Percent		 99.99% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 39.72% 46.08% 26.75% 24.09% 28.01% 29.06% 28.71% 28.58% 27.55% 27.44%
Return on Invested Capital (ROIC)		 0.00% 15.86% 24.47% 23.84% 9.09% 18.39% 19.47% 10.08% 7.05% 8.17%
ROIC Less NNEP Spread (ROIC-NNEP)		 0.00% 15.86% 24.47% 0.00% 9.09% 18.39% 0.00% 10.08% 7.05% 8.17%
Return on Net Nonoperating Assets (RNNOA)		 0.00% 4.33% 6.69% 0.00% 0.16% 0.30% 0.00% 2.86% 3.55% 3.67%
Return on Equity (ROE)		 0.00% 20.19% 31.16% 0.00% 9.25% 18.69% 0.00% 12.94% 10.60% 11.84%
Cash Return on Invested Capital (CROIC)		 0.00% -184.14% 224.47% -176.16% 3.69% 7.64% 12.64% -40.79% 6.26% -0.59%
Operating Return on Assets (OROA)		 0.00% 1.90% 4.32% 3.74% 1.43% 2.63% 2.45% 1.58% 1.29% 1.41%
Return on Assets (ROA)		 0.00% 1.03% 3.16% 2.84% 1.03% 1.86% 1.74% 1.13% 0.93% 1.02%
Return on Common Equity (ROCE)		 0.00% 20.19% 31.16% 0.00% 9.25% 18.69% 0.00% 12.94% 10.60% 11.84%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 10.10% 0.00% 11.92% 9.16% 17.46% 18.83% 12.42% 10.28% 11.25%
Net Operating Profit after Tax (NOPAT)		 7.43 9.24 14 17 13 29 33 24 21 26
NOPAT Margin		 19.89% 20.66% 28.34% 30.09% 23.38% 37.43% 35.24% 28.86% 25.68% 27.08%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 53.07% 50.00% 48.43% 48.93% 48.39% 37.84% 37.85% 46.83% 50.18% 47.22%
Operating Expenses to Revenue		 62.50% 58.75% 58.79% 58.39% 56.90% 46.55% 47.42% 57.59% 61.19% 58.91%
Earnings before Interest and Taxes (EBIT)		 12 17 19 22 18 41 47 33 29 35
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 15 20 23 23 20 42 49 38 34 43
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 0.00 0.15 0.00 0.96 0.70 1.03 0.87 0.77 1.13 0.91
Price to Tangible Book Value (P/TBV)		 0.00 0.15 0.00 0.96 0.70 1.03 0.87 0.77 1.13 0.91
Price to Revenue (P/Rev)		 0.36 0.30 2.26 2.42 1.78 2.22 1.62 1.80 2.83 2.18
Price to Earnings (P/E)		 1.80 1.45 7.96 8.04 7.62 5.93 4.60 6.24 11.02 8.05
Dividend Yield		 0.00% 0.00% 0.00% 2.33% 4.22% 2.74% 4.36% 4.82% 3.06% 3.46%
Earnings Yield		 55.52% 69.07% 12.56% 12.43% 13.12% 16.87% 21.72% 16.03% 9.07% 12.42%
Enterprise Value to Invested Capital (EV/IC)		 0.00 0.00 0.00 0.35 0.00 0.34 0.40 0.55 0.64 0.42
Enterprise Value to Revenue (EV/Rev)		 0.00 0.00 2.26 0.88 0.00 0.72 0.74 1.97 2.34 1.47
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 0.00 4.98 2.10 0.00 1.32 1.44 4.29 5.70 3.26
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 5.83 2.21 0.00 1.37 1.51 4.87 6.61 3.93
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 7.96 2.91 0.00 1.93 2.11 6.82 9.13 5.41
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 0.00 3.71 2.57 0.00 0.00 0.84 2.41 6.14 5.30
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.87 0.00 0.00 4.63 3.26 0.00 10.28 0.00
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.00 0.27 0.00 0.00 0.03 0.00 0.00 0.55 0.46 0.44
Long-Term Debt to Equity		 0.00 0.27 0.00 0.00 0.03 0.00 0.00 0.55 0.46 0.44
Financial Leverage		 0.00 0.27 0.27 0.00 0.02 0.02 0.00 0.28 0.50 0.45
Leverage Ratio		 0.00 9.85 9.85 8.39 8.97 10.02 11.17 11.48 11.35 11.59
Compound Leverage Factor		 0.00 9.85 9.85 8.39 8.97 10.02 11.17 11.48 11.35 11.59
Debt to Total Capital		 0.00% 21.46% 0.00% 0.00% 3.37% 0.00% 0.00% 35.28% 31.67% 30.41%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 0.00% 21.46% 0.00% 0.00% 3.37% 0.00% 0.00% 35.28% 31.67% 30.41%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 0.00% 78.54% 0.00% 100.00% 96.63% 100.00% 100.00% 64.72% 68.33% 69.59%
Debt to EBITDA		 0.00 1.23 0.00 0.00 0.25 0.00 0.00 2.77 2.82 2.34
Net Debt to EBITDA		 0.00 -1.88 0.00 0.00 -5.03 0.00 0.00 0.36 -1.18 -1.59
Long-Term Debt to EBITDA		 0.00 1.23 0.00 0.00 0.25 0.00 0.00 2.77 2.82 2.34
Debt to NOPAT		 0.00 2.71 0.00 0.00 0.38 0.00 0.00 4.39 4.51 3.88
Net Debt to NOPAT		 0.00 -4.14 0.00 0.00 -7.72 0.00 0.00 0.58 -1.90 -2.64
Long-Term Debt to NOPAT		 0.00 2.71 0.00 0.00 0.38 0.00 0.00 4.39 4.51 3.88
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 0.00 -107 131 -124 5.34 12 22 -97 19 -1.85
Operating Cash Flow to CapEx		 4,085.71% -509.98% 2,561.09% 1,091.43% -783.68% -2,513.60% 5,930.17% 3,102.43% 2,006.66% 933.99%
Free Cash Flow to Firm to Interest Expense		 0.00 -23.45 14.35 -8.54 0.64 3.83 1.91 -1.83 0.26 -0.03
Operating Cash Flow to Interest Expense		 3.14 -0.47 3.36 1.31 -0.59 -9.03 7.41 1.28 0.44 0.36
Operating Cash Flow Less CapEx to Interest Expense		 3.06 -0.56 3.23 1.19 -0.66 -9.39 7.28 1.24 0.41 0.32
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.00 0.05 0.11 0.09 0.04 0.05 0.05 0.04 0.04 0.04
Fixed Asset Turnover		 0.00 9.97 0.00 0.00 11.49 17.32 21.59 17.18 15.34 16.92
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 0.00 116 0.00 141 148 165 177 298 300 327
Invested Capital Turnover		 0.00 0.77 0.86 0.79 0.39 0.49 0.55 0.35 0.27 0.30
Increase / (Decrease) in Invested Capital		 0.00 116 -116 141 7.79 17 12 121 2.37 27
Enterprise Value (EV)		 0.00 -25 113 49 -1.27 56 70 163 192 139
Market Capitalization		 13 13 113 135 100 171 153 149 232 206
Book Value per Share		 $0.00 $45.74 $0.00 $8.95 $9.50 $10.92 $11.64 $12.84 $13.84 $15.31
Tangible Book Value per Share		 $0.00 $45.74 $0.00 $8.95 $9.50 $10.92 $11.64 $12.84 $13.84 $15.31
Total Capital		 0.00 116 0.00 141 148 165 177 298 300 327
Total Debt		 0.00 25 0.00 0.00 5.00 0.00 0.00 105 95 100
Total Long-Term Debt		 0.00 25 0.00 0.00 5.00 0.00 0.00 105 95 100
Net Debt		 0.00 -38 0.00 -86 -101 -115 -83 14 -40 -68
Capital Expenditures (CapEx)		 0.26 0.42 1.20 1.74 0.62 1.13 1.41 2.18 1.56 2.80
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 0.00 25 0.00 0.00 5.00 0.00 0.00 105 95 100
Total Depreciation and Amortization (D&A)		 2.88 3.23 3.32 1.18 1.91 1.41 2.21 4.47 4.65 7.26
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.55 $0.68 $0.92 $0.00 $0.85 $1.89 $2.15 $1.55 $1.39 $1.72
Adjusted Weighted Average Basic Shares Outstanding		 0.00 0.00 15.68M 0.00 15.03M 15.14M 15.34M 14.96M 14.91M 14.89M
Adjusted Diluted Earnings per Share		 $0.53 $0.66 $0.89 $0.00 $0.85 $1.88 $2.14 $1.55 $1.39 $1.72
Adjusted Weighted Average Diluted Shares Outstanding		 0.00 0.00 15.68M 0.00 15.03M 15.14M 15.34M 14.96M 14.91M 14.89M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 0.00 0.00 15.68M 0.00 15.03M 15.14M 15.34M 14.96M 14.91M 14.89M
Normalized Net Operating Profit after Tax (NOPAT)		 7.43 9.24 14 17 13 29 33 24 21 26
Normalized NOPAT Margin		 19.89% 20.66% 28.34% 30.09% 23.38% 37.43% 35.24% 28.86% 25.68% 27.08%
Pre Tax Income Margin		 33.00% 38.32% 38.69% 39.64% 32.48% 52.77% 49.43% 40.41% 35.45% 37.31%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 3.66 3.75 2.14 1.52 2.20 12.98 4.13 0.63 0.40 0.49
NOPAT to Interest Expense		 2.20 2.02 1.56 1.16 1.58 9.21 2.95 0.45 0.29 0.36
EBIT Less CapEx to Interest Expense		 3.58 3.65 2.00 1.40 2.12 12.62 4.01 0.59 0.38 0.45
NOPAT Less CapEx to Interest Expense		 2.13 1.93 1.43 1.04 1.51 8.85 2.82 0.41 0.27 0.32
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00% 18.80% 32.47% 17.79% 20.04% 30.39% 33.90% 27.83%
Augmented Payout Ratio		 0.00% 0.00% 0.00% 50.98% 94.20% 17.89% 20.04% 46.84% 46.92% 30.58%

Quarterly Metrics And Ratios for OP Bancorp

This table displays calculated financial ratios and metrics derived from OP Bancorp's official financial filings.

Metric Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
DEI Shares Outstanding		 14,999,203.00 14,956,399.00 14,956,399.00 14,811,671.00 - 14,914,261.00 14,811,671.00 14,885,614.00 14,885,614.00 14,890,702.00 14,894,239.00
DEI Adjusted Shares Outstanding		 14,999,203.00 14,956,399.00 14,956,399.00 14,811,671.00 - 14,914,261.00 14,811,671.00 14,885,614.00 14,885,614.00 14,890,702.00 14,894,239.00
DEI Earnings Per Adjusted Shares Outstanding		 0.34 0.35 0.36 0.37 - 0.37 0.43 0.45 0.47 0.49 0.54
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -14.99% -11.82% -2.30% 4.18% 7.21% 13.64% 16.25% 17.98% 13.75% 10.44% 8.57%
EBITDA Growth		 -7.23% -25.81% -11.84% 32.47% -11.35% 6.35% 9.53% 36.20% 48.75% 33.61% 31.03%
EBIT Growth		 -34.36% -31.59% -11.51% 7.95% -8.65% 5.80% 11.54% 27.63% 42.89% 28.97% 30.74%
NOPAT Growth		 -35.58% -30.63% -10.75% 6.15% -3.89% 6.39% 16.50% 23.31% 41.60% 30.11% 25.98%
Net Income Growth		 -35.58% -30.63% -10.75% 6.15% -3.89% 6.39% 16.50% 23.31% 41.60% 30.11% 25.98%
EPS Growth		 -32.69% -29.17% -7.69% 9.09% -5.71% 8.82% 16.67% 25.00% 45.45% 29.73% 26.19%
Operating Cash Flow Growth		 -147.66% -107.00% 81.09% -13.55% 496.85% 278.09% -144.30% 79.59% -32.90% 37.39% -5.10%
Free Cash Flow Firm Growth		 -3,051.61% -0.77% 43.77% 106.53% 102.25% 133.26% 214.58% -282.30% -885.22% -298.03% -224.21%
Invested Capital Growth		 68.23% 28.21% 20.18% -0.25% 0.80% -4.88% -15.20% 6.42% 9.16% 16.57% 28.27%
Revenue Q/Q Growth		 -0.02% -1.73% 4.16% 1.81% 2.89% 4.16% 6.54% 3.32% -0.80% 1.13% 4.74%
EBITDA Q/Q Growth		 33.75% 0.08% 5.74% 19.97% -16.29% 19.52% 8.90% 49.19% -23.40% 7.36% 6.80%
EBIT Q/Q Growth		 3.95% -0.47% 4.25% 0.08% -12.03% 15.27% 9.92% 14.52% -1.52% 4.04% 11.42%
NOPAT Q/Q Growth		 1.00% 1.04% 4.02% 0.00% -8.55% 11.85% 13.90% 5.84% 5.01% 2.77% 10.28%
Net Income Q/Q Growth		 1.00% 1.04% 4.02% 0.00% -8.55% 11.85% 13.90% 5.84% 5.01% 2.77% 10.28%
EPS Q/Q Growth		 6.06% -2.86% 5.88% 0.00% -8.33% 12.12% 13.51% 7.14% 6.67% 0.00% 10.42%
Operating Cash Flow Q/Q Growth		 -109.19% -136.61% 599.87% -15.43% -60.50% 6.02% -223.72% 442.86% -85.15% 117.07% -194.74%
Free Cash Flow Firm Q/Q Growth		 -22.79% 47.45% 22.96% 113.13% -57.59% 675.58% 165.40% -120.88% -82.68% -95.60% -66.46%
Invested Capital Q/Q Growth		 6.56% 0.71% 3.76% -10.41% 7.68% -4.97% -7.50% 12.43% 10.45% 1.48% 1.79%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 54.22% 43.08% 43.74% 51.54% 34.98% 40.32% 41.21% 59.50% 45.95% 48.78% 49.73%
EBIT Margin		 36.65% 37.12% 37.16% 36.53% 31.23% 34.56% 35.65% 39.52% 39.23% 40.36% 42.93%
Profit (Net Income) Margin		 25.98% 26.71% 26.68% 26.20% 23.29% 25.01% 26.73% 27.39% 28.99% 29.46% 31.02%
Tax Burden Percent		 70.88% 71.95% 71.79% 71.73% 74.57% 72.36% 74.98% 69.30% 73.90% 73.00% 72.25%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 29.12% 28.05% 28.21% 28.27% 25.43% 27.64% 25.02% 30.70% 26.10% 27.00% 27.75%
Return on Invested Capital (ROIC)		 9.07% 8.04% 7.47% 7.57% 6.39% 7.24% 8.19% 8.74% 8.75% 9.26% 10.21%
ROIC Less NNEP Spread (ROIC-NNEP)		 9.07% 8.04% 7.47% 7.57% 6.39% 7.24% 8.19% 8.74% 8.75% 9.26% 10.21%
Return on Net Nonoperating Assets (RNNOA)		 2.58% 3.29% 3.74% 3.32% 3.22% 3.22% 3.30% 3.08% 3.93% 3.65% 3.38%
Return on Equity (ROE)		 11.65% 11.33% 11.21% 10.89% 9.61% 10.46% 11.49% 11.82% 12.68% 12.91% 13.58%
Cash Return on Invested Capital (CROIC)		 -40.79% -16.62% -10.97% 7.88% 6.26% 12.32% 24.21% 1.97% -0.59% -6.45% -15.15%
Operating Return on Assets (OROA)		 1.43% 1.35% 1.33% 1.30% 1.14% 1.23% 1.29% 1.45% 1.48% 1.50% 1.60%
Return on Assets (ROA)		 1.01% 0.97% 0.96% 0.93% 0.85% 0.89% 0.97% 1.00% 1.09% 1.10% 1.16%
Return on Common Equity (ROCE)		 11.65% 11.33% 11.21% 10.89% 9.61% 10.46% 11.49% 11.82% 12.68% 12.91% 13.58%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 11.10% 10.69% 10.45% 0.00% 10.19% 10.43% 10.64% 0.00% 11.74% 12.13%
Net Operating Profit after Tax (NOPAT)		 5.17 5.23 5.44 5.44 4.97 5.56 6.33 6.70 7.04 7.23 7.98
NOPAT Margin		 25.98% 26.71% 26.68% 26.20% 23.29% 25.01% 26.73% 27.39% 28.99% 29.46% 31.02%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 50.19% 51.79% 48.63% 50.57% 49.82% 48.61% 47.27% 44.77% 48.37% 47.31% 47.12%
Operating Expenses to Revenue		 60.19% 62.14% 59.81% 61.31% 61.52% 62.13% 59.26% 55.68% 58.87% 57.96% 57.65%
Earnings before Interest and Taxes (EBIT)		 7.30 7.26 7.57 7.58 6.67 7.68 8.45 9.67 9.53 9.91 11
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 11 8.43 8.91 11 7.47 8.96 9.76 15 11 12 13
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.77 0.73 0.70 0.87 1.13 0.82 0.89 0.93 0.91 0.84 0.93
Price to Tangible Book Value (P/TBV)		 0.77 0.73 0.70 0.87 1.13 0.82 0.89 0.93 0.91 0.84 0.93
Price to Revenue (P/Rev)		 1.80 1.77 1.72 2.20 2.83 2.02 2.17 2.24 2.18 2.02 2.23
Price to Earnings (P/E)		 6.24 6.59 6.55 8.32 11.02 8.00 8.55 8.71 8.05 7.18 7.64
Dividend Yield		 4.82% 5.04% 5.23% 4.02% 3.06% 4.18% 3.73% 3.48% 3.46% 3.64% 3.37%
Earnings Yield		 16.03% 15.18% 15.28% 12.02% 9.07% 12.50% 11.70% 11.48% 12.42% 13.92% 13.08%
Enterprise Value to Invested Capital (EV/IC)		 0.55 0.36 0.40 0.31 0.64 0.17 0.13 0.38 0.42 0.41 0.43
Enterprise Value to Revenue (EV/Rev)		 1.97 1.35 1.56 1.06 2.34 0.56 0.40 1.24 1.47 1.40 1.47
Enterprise Value to EBITDA (EV/EBITDA)		 4.29 3.09 3.68 2.52 5.70 1.35 1.00 3.19 3.26 2.97 3.00
Enterprise Value to EBIT (EV/EBIT)		 4.87 3.59 4.27 2.87 6.61 1.61 1.16 3.50 3.93 3.61 3.63
Enterprise Value to NOPAT (EV/NOPAT)		 6.82 5.00 5.94 4.01 9.13 2.21 1.58 4.82 5.41 4.96 5.04
Enterprise Value to Operating Cash Flow (EV/OCF)		 2.41 5.51 4.66 3.46 6.14 1.18 2.02 4.06 5.30 4.79 5.23
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 3.88 10.28 1.31 0.51 20.04 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.55 0.54 0.59 0.37 0.46 0.36 0.23 0.34 0.44 0.43 0.42
Long-Term Debt to Equity		 0.55 0.54 0.59 0.37 0.46 0.36 0.23 0.34 0.44 0.43 0.42
Financial Leverage		 0.28 0.41 0.50 0.44 0.50 0.44 0.40 0.35 0.45 0.39 0.33
Leverage Ratio		 11.48 11.64 11.70 11.68 11.35 11.73 11.85 11.77 11.59 11.77 11.73
Compound Leverage Factor		 11.48 11.64 11.70 11.68 11.35 11.73 11.85 11.77 11.59 11.77 11.73
Debt to Total Capital		 35.28% 35.03% 36.98% 26.92% 31.67% 26.31% 18.96% 25.30% 30.41% 29.97% 29.45%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 35.28% 35.03% 36.98% 26.92% 31.67% 26.31% 18.96% 25.30% 30.41% 29.97% 29.45%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 64.72% 64.97% 63.02% 73.08% 68.33% 73.69% 81.04% 74.70% 69.59% 70.03% 70.55%
Debt to EBITDA		 2.77 3.00 3.40 2.21 2.82 2.14 1.42 2.10 2.34 2.18 2.05
Net Debt to EBITDA		 0.36 -0.98 -0.37 -2.71 -1.18 -3.53 -4.43 -2.57 -1.59 -1.33 -1.55
Long-Term Debt to EBITDA		 2.77 3.00 3.40 2.21 2.82 2.14 1.42 2.10 2.34 2.18 2.05
Debt to NOPAT		 4.39 4.86 5.49 3.53 4.51 3.50 2.24 3.18 3.88 3.65 3.44
Net Debt to NOPAT		 0.58 -1.58 -0.60 -4.31 -1.90 -5.79 -6.97 -3.89 -2.64 -2.22 -2.60
Long-Term Debt to NOPAT		 4.39 4.86 5.49 3.53 4.51 3.50 2.24 3.18 3.88 3.65 3.44
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -116 -61 -47 6.14 2.60 20 54 -11 -20 -40 -67
Operating Cash Flow to CapEx		 -613.85% -3,504.44% 20,475.32% 2,298.79% 649.08% 394.45% -970.00% 4,322.20% 3,451.46% 6,769.30% -5,756.69%
Free Cash Flow to Firm to Interest Expense		 -7.43 -3.59 -2.58 0.33 0.14 1.16 2.99 -0.62 -1.11 -2.22 -3.67
Operating Cash Flow to Interest Expense		 -0.09 -0.19 0.87 0.71 0.29 0.32 -0.39 1.32 0.19 0.43 -0.40
Operating Cash Flow Less CapEx to Interest Expense		 -0.11 -0.19 0.86 0.68 0.25 0.24 -0.43 1.29 0.19 0.42 -0.41
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 17.18 16.69 16.26 15.59 15.34 14.74 15.22 15.35 16.92 16.11 16.30
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 298 300 311 279 300 285 264 296 327 332 338
Invested Capital Turnover		 0.35 0.30 0.28 0.29 0.27 0.29 0.31 0.32 0.30 0.31 0.33
Increase / (Decrease) in Invested Capital		 121 66 52 -0.70 2.37 -15 -47 18 27 47 75
Enterprise Value (EV)		 163 108 124 85 192 47 35 114 139 136 146
Market Capitalization		 149 142 137 177 232 171 191 205 206 196 221
Book Value per Share		 $12.84 $13.02 $13.10 $13.75 $13.84 $14.09 $14.43 $14.88 $15.31 $15.63 $16.02
Tangible Book Value per Share		 $12.84 $13.02 $13.10 $13.75 $13.84 $14.09 $14.43 $14.88 $15.31 $15.63 $16.02
Total Capital		 298 300 311 279 300 285 264 296 327 332 338
Total Debt		 105 105 115 75 95 75 50 75 100 100 100
Total Long-Term Debt		 105 105 115 75 95 75 50 75 100 100 100
Net Debt		 14 -34 -13 -92 -40 -124 -155 -92 -68 -61 -75
Capital Expenditures (CapEx)		 0.23 0.09 0.08 0.58 0.82 1.42 0.72 0.55 0.10 0.11 0.13
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 105 105 115 75 95 75 50 75 100 100 100
Total Depreciation and Amortization (D&A)		 3.50 1.17 1.34 3.12 0.80 1.28 1.32 4.89 1.63 2.07 1.75
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.35 $0.34 $0.36 $0.36 $0.33 $0.37 $0.42 $0.45 $0.48 $0.49 $0.54
Adjusted Weighted Average Basic Shares Outstanding		 14.96M 14.96M 14.81M 14.81M 14.91M 14.81M 14.89M 14.89M 14.89M 14.89M 14.93M
Adjusted Diluted Earnings per Share		 $0.35 $0.34 $0.36 $0.36 $0.33 $0.37 $0.42 $0.45 $0.48 $0.48 $0.53
Adjusted Weighted Average Diluted Shares Outstanding		 14.96M 14.96M 14.81M 14.81M 14.91M 14.81M 14.89M 14.89M 14.89M 14.89M 14.93M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 14.96M 14.96M 14.81M 14.81M 14.91M 14.81M 14.89M 14.89M 14.89M 14.89M 14.93M
Normalized Net Operating Profit after Tax (NOPAT)		 5.17 5.23 5.44 5.44 4.97 5.56 6.33 6.70 7.04 7.23 7.98
Normalized NOPAT Margin		 25.98% 26.71% 26.68% 26.20% 23.29% 25.01% 26.73% 27.39% 28.99% 29.46% 31.02%
Pre Tax Income Margin		 36.65% 37.12% 37.16% 36.53% 31.23% 34.56% 35.65% 39.52% 39.23% 40.36% 42.93%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.47 0.43 0.42 0.40 0.37 0.44 0.47 0.53 0.52 0.55 0.61
NOPAT to Interest Expense		 0.33 0.31 0.30 0.29 0.27 0.32 0.35 0.37 0.38 0.40 0.44
EBIT Less CapEx to Interest Expense		 0.45 0.42 0.41 0.37 0.32 0.36 0.43 0.50 0.51 0.54 0.60
NOPAT Less CapEx to Interest Expense		 0.32 0.30 0.30 0.26 0.23 0.24 0.31 0.34 0.38 0.40 0.43
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 30.39% 33.49% 34.37% 33.69% 33.90% 33.27% 31.91% 30.23% 27.83% 26.15% 25.71%
Augmented Payout Ratio		 46.84% 51.29% 53.67% 52.94% 46.92% 33.27% 35.34% 33.25% 30.58% 26.15% 25.69%

Financials Breakdown Chart

Key Financial Trends

OP Bancorp’s recent results show a generally improving earnings profile, although the balance sheet and cash-flow data contain significant classification changes that make some quarter-to-quarter comparisons difficult. In the second quarter of 2026, net income increased to $8.0 million from $7.2 million in Q1 2026 and $6.3 million in Q2 2025. Basic earnings per share rose to $0.54, compared with $0.49 in the prior quarter and $0.42 a year earlier.

Revenue also continued to expand. Q2 2026 total revenue was $25.7 million, up from $24.6 million in Q1 2026 and $23.7 million in Q2 2025. Net interest income declined slightly sequentially to $20.1 million from $20.5 million, but remained well above the $19.7 million reported a year earlier. Non-interest income increased to $5.7 million, helped by $3.4 million in net investment gains and $2.3 million in service charges.

The company’s profitability has improved meaningfully over the reported period. Quarterly net income rose from approximately $5.1 million in Q3 2023 to $8.0 million in Q2 2026. Net interest income also increased from $17.3 million in Q3 2023 to more than $20 million in recent quarters. However, part of the latest improvement came from a $149,000 credit provision release, while investment gains can be volatile and may not be recurring.

OP Bancorp’s balance sheet expanded during the period. Total assets reached $2.74 billion at June 30, 2026, compared with $2.14 billion at September 30, 2023. Deposits totaled approximately $2.37 billion, while common equity increased to $238.6 million from $184.3 million over the same comparison. The company’s equity cushion has therefore grown, although liabilities remain high relative to equity, as is typical for a bank.

  • Improving earnings trend: Quarterly net income increased from $5.1 million in Q3 2023 to $8.0 million in Q2 2026, while basic EPS rose from $0.33 to $0.54 over the same reported periods.
  • Higher recurring spread income: Net interest income has remained above $20 million in Q1 and Q2 2026, compared with $16.2 million to $17.3 million in the 2023–2024 comparison quarters.
  • Deposit growth supports liquidity and funding: Total deposits increased to about $2.37 billion in Q2 2026 from roughly $1.82 billion in Q3 2023, providing a larger funding base for the bank.
  • Capital has strengthened: Common equity reached $238.6 million at June 30, 2026, up from $184.3 million at September 30, 2023, and retained earnings continued to build.
  • Credit-cost pressure has eased recently: The company reported a $149,000 provision release in Q2 2026, versus provisions of $412,000 in Q1 2026 and $1.2 million in Q2 2025.
  • Non-interest income is an important contributor: Service charges and investment gains lifted Q2 2026 non-interest income to $5.7 million, but investment gains may fluctuate substantially from quarter to quarter.
  • Share count has been broadly stable: Weighted-average basic shares increased modestly to 14.9 million in Q2 2026 from approximately 14.8 million in Q1 2025, limiting dilution concerns but providing little share-count-driven EPS growth.
  • Operating cash flow weakened sharply: Q2 2026 operating cash flow was negative $7.3 million, following positive operating cash flow of $7.7 million in Q1. The decline was largely associated with a $16.5 million negative non-cash reconciliation adjustment, which investors should monitor for persistence.
  • Investment purchases continue to consume cash: OP Bancorp purchased $27.4 million of investment securities in Q2 2026, contributing to negative investing cash flow of $16.8 million. The bank has reported sizable investment purchases in multiple recent quarters.
  • Balance-sheet comparability is limited: Reported net loans were $2.02 billion in Q1 2025 but zero in subsequent balance sheets, while “other assets” expanded sharply. This likely reflects reclassification or presentation changes, including restated filings, and makes loan-growth and asset-quality trends difficult to assess from the supplied data alone.

Overall, the statements point to stronger earnings, growing deposits and a larger capital base, which are favorable for OPBK investors. The main issues to watch are the sustainability of investment gains, the return of positive operating cash flow, credit provisions and the unusually large balance-sheet reclassification that affects the interpretation of the company’s loan portfolio and asset mix.

10/09/26 05:34 PM ETAI Generated. May Contain Errors.

OP Bancorp Financials - Frequently Asked Questions

According to the most recent income statement we have on file, OP Bancorp's financial year ends in December. Their financial year 2025 ended on December 31, 2025.

OP Bancorp's net income appears to be on an upward trend, with a most recent value of $25.64 million in 2025, rising from $7.43 million in 2016. The previous period was $21.07 million in 2024. View OP Bancorp's forecast to see where analysts expect OP Bancorp to go next.

Over the last 9 years, OP Bancorp's total revenue changed from $37.34 million in 2016 to $94.68 million in 2025, a change of 153.6%.

In the past 11 quarters, OP Bancorp's cash and equivalents has ranged from $10.93 million in Q3 2025 to $198.86 million in Q1 2025, and is currently $21.81 million as of their latest financial filing in Q2 2026.

OP Bancorp had total debt of $99.59 million at the end of 2025, a 4.8% increase from 2024, and none in 2016.

Over the last 9 years, OP Bancorp's book value per share changed from 0.00 in 2016 to 15.31 in 2025, a change of 1,531.0%.


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Financial statements for NASDAQ:OPBK last updated on 8/7/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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