OPBK · Op Bancorp - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $463.0K | - | $725.0K | $1.02M | $1.00M | - | $889.0K | $793.0K | $612.0K | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | $2.07M | - | $411.0K | $394.0K | $347.0K | - | $335.0K | $332.0K | $367.0K | - |
| Operating Income | $9.91M | - | $9.67M | $8.45M | $7.68M | - | $7.58M | $7.57M | $7.26M | - |
| Interest Expense | - | - | - | - | - | - | - | - | $16.93M | - |
| Income Tax | $2.68M | - | $2.97M | $2.11M | $2.12M | - | $2.14M | $2.14M | $2.04M | - |
| Net Income | $7.23M | - | $6.70M | $6.33M | $5.56M | - | $5.44M | $5.44M | $5.23M | - |
| EPS - Basic | $0.49 | - | $0.45 | $0.42 | $0.37 | - | $0.36 | $0.36 | $0.34 | - |
| EPS - Diluted | $0.48 | - | $0.45 | $0.42 | $0.37 | - | $0.36 | $0.36 | $0.34 | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $160.26M | $167.31M | $166.75M | $205.39M | $198.86M | $134.94M | $166.76M | $127.68M | $139.25M | $91.22M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $2.70B | $2.65B | $2.61B | $2.56B | $2.51B | $2.37B | $2.39B | $2.29B | $2.23B | $2.15B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - | - | - | - | - |
| Total Liabilities | $2.47B | $2.42B | $2.39B | $2.35B | $2.30B | $2.16B | $2.18B | $2.09B | $2.04B | $1.96B |
| Stockholders' Equity | $232.71M | $227.89M | $221.50M | $213.72M | $210.09M | $204.99M | $203.60M | $195.99M | $194.72M | $192.63M |
| Retained Earnings | $158.73M | $153.28M | $148.03M | $143.11M | $138.56M | $134.78M | $131.59M | $127.93M | $124.28M | $120.86M |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $7.72M | - | - | - | $5.64M | - | - | - | ($3.15M) | - |
| Investing Cash Flow | ($59.69M) | - | - | - | ($81.82M) | - | - | - | ($34.52M) | - |
| Financing Cash Flow | $44.93M | - | - | - | $140.09M | - | - | - | $85.71M | - |
| CapEx | $114.0K | - | - | - | $1.42M | - | - | - | $90.0K | - |
| Free Cash Flow | $7.60M | - | - | - | $4.22M | - | - | - | ($3.24M) | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | 2140.4% | - | 1334.1% | 830.5% | 768.4% | - | 852.4% | 954.9% | 1186.8% | - |
| EBITDA margin | 2586.8% | - | 1390.8% | 869.2% | 803.1% | - | 890.1% | 996.7% | 1246.7% | - |
| Net margin | 1562.4% | - | 924.6% | 622.7% | 556.0% | - | 611.5% | 685.5% | 853.9% | - |
| Free cash flow margin | 1642.1% | - | - | - | 422.1% | - | - | - | -530.1% | - |
| FCF / Net income | 1.05 | - | - | - | 0.76 | - | - | - | -0.62 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | 27.0% | - | 30.7% | 25.0% | 27.6% | - | 28.3% | 28.2% | 28.0% | - |
| Return on assets | 0.3% | - | 0.3% | 0.2% | 0.2% | - | 0.2% | 0.2% | 0.2% | - |
| Return on equity | 3.1% | - | 3.0% | 3.0% | 2.6% | - | 2.7% | 2.8% | 2.7% | - |
| Return on invested capital | - | - | - | - | - | - | - | - | - | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | - | - | - | - | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Interest coverage | - | - | - | - | - | - | - | - | 0.4x | - |
| Equity multiplier | 11.60 | 11.63 | 11.80 | 12.00 | 11.96 | 11.54 | 11.73 | 11.69 | 11.48 | 11.15 |
| Liabilities / Assets | 0.91 | 0.91 | 0.92 | 0.92 | 0.92 | 0.91 | 0.91 | 0.91 | 0.91 | 0.91 |
| Efficiency | ||||||||||
| Asset turnover | 0.00 | - | 0.00 | 0.00 | 0.00 | - | 0.00 | 0.00 | 0.00 | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | 27.7x | - | 30.9x | 30.9x | 32.5x | - | 34.7x | 26.6x | 29.4x | - |
| P / B | 0.9x | - | 0.9x | 0.9x | 0.9x | - | 0.9x | 0.7x | 0.8x | - |
| P / S | 428.9x | - | 286.5x | 189.8x | 178.6x | - | 207.9x | 179.8x | 244.5x | - |
| EV / EBITDA | 3.2x | - | 4.1x | -1.4x | -2.5x | - | 2.3x | 1.9x | 1.4x | - |
| Growth | ||||||||||
| Revenue growth (YoY) | -53.7% | - | -18.4% | 28.2% | 63.4% | - | 54.6% | 38.4% | 46.4% | - |
| Revenue CAGR (3y) | 3.5% | - | 16.9% | 33.5% | 37.1% | - | 29.5% | 26.4% | 30.7% | - |
| Revenue CAGR (5y) | 11.1% | - | 23.6% | 34.6% | 18.4% | - | 13.6% | 9.7% | 2.6% | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | 29.0% | - | 27.6% | 11.5% | 5.8% | - | 7.9% | -11.5% | -31.6% | - |
| Net income growth (YoY) | 30.1% | - | 23.3% | 16.5% | 6.4% | - | 6.2% | -10.8% | -30.6% | - |
| EPS growth (YoY) | 29.7% | - | 25.0% | 16.7% | 8.8% | - | 9.1% | -7.7% | -29.2% | - |
| EPS CAGR (3y) | 0.0% | - | -6.5% | -8.0% | -11.3% | - | -12.6% | -5.0% | 1.0% | - |
| EPS CAGR (5y) | 7.8% | - | 14.4% | 21.3% | 12.0% | - | 8.4% | 9.4% | 3.2% | - |
| FCF growth (YoY) | 80.1% | - | - | - | - | - | - | - | - | - |
| FCF CAGR (5y) | 10.1% | - | - | - | 14.8% | - | - | - | - | - |
| Book value growth (YoY) | 10.8% | 11.2% | 8.8% | 9.0% | 7.9% | 6.4% | 10.5% | 6.6% | 6.0% | 8.9% |
Sales by segment
From XBRL dimensional facts in the 10-K period ending 2020-12-31.
Product / service
$1.13M totalService Fees And Transaction Based Fees Income$754.0K · 66.6%
Overdraft And Nonsufficient Funds Fees Income$378.0K · 33.4%
Peer comparison
Same SIC group: State Commercial Banks
Comparing OP Bancorp against the 5 most active filers in the same SIC group.
Dividends
$0.50/share trailing 12 months · +4.2% YoY
| Ex-date | Per share |
|---|---|
| May 7, 2026 | $0.1400 |
| Feb 5, 2026 | $0.1200 |
| Nov 6, 2025 | $0.1200 |
| Aug 7, 2025 | $0.1200 |
| May 8, 2025 | $0.1200 |
| Feb 6, 2025 | $0.1200 |
| Nov 7, 2024 | $0.1200 |
| Aug 8, 2024 | $0.1200 |
| May 8, 2024 | $0.1200 |
| Feb 7, 2024 | $0.1200 |
| Nov 8, 2023 | $0.1200 |
| Aug 9, 2023 | $0.1200 |
| May 10, 2023 | $0.1200 |
| Feb 8, 2023 | $0.1200 |
| Nov 9, 2022 | $0.1200 |
| Aug 10, 2022 | $0.1200 |
| May 11, 2022 | $0.1000 |
| Feb 9, 2022 | $0.1000 |
| Nov 9, 2021 | $0.1000 |
| Aug 4, 2021 | $0.1000 |
| May 5, 2021 | $0.0700 |
| Feb 10, 2021 | $0.0700 |
| Nov 5, 2020 | $0.0700 |
| Aug 5, 2020 | $0.0700 |