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 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | $3.20M | $3.26M | $2.12M | $1.68M | $1.56M | $1.13M |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - |
| D&A | $7.26M | $1.36M | $1.34M | $1.37M | $1.31M | $1.30M |
| Operating Income | $35.33M | $29.08M | $33.49M | $46.72M | $18.23M | $18.23M |
| Interest Expense | - | - | $52.98M | $11.30M | $3.13M | $8.29M |
| Income Tax | $9.69M | $8.01M | $9.57M | $13.41M | $11.82M | $5.11M |
| Net Income | $25.64M | $21.07M | $23.92M | $33.31M | $28.84M | $13.13M |
| EPS - Basic | $1.72 | $1.39 | $1.55 | $2.15 | $1.89 | $0.85 |
| EPS - Diluted | $1.72 | $1.39 | $1.55 | $2.14 | $1.88 | $0.85 |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $167.31M | $134.94M | $91.22M | $82.97M | $115.46M | $106.41M |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $2.65B | $2.37B | $2.15B | $2.09B | $1.73B | $1.37B |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - |
| Total Liabilities | $2.42B | $2.16B | $1.96B | $1.92B | $1.56B | $1.22B |
| Stockholders' Equity | $227.89M | $204.99M | $192.63M | $176.92M | $165.22M | $143.37M |
| Retained Earnings | $153.28M | $134.78M | $120.86M | $105.69M | $79.06M | $55.35M |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $26.16M | $31.34M | $67.84M | $83.73M | ($28.28M) | ($4.96M) |
| Investing Cash Flow | ($243.01M) | ($187.42M) | ($75.97M) | ($461.78M) | ($286.04M) | ($147.07M) |
| Financing Cash Flow | $249.22M | $199.80M | $16.37M | $345.56M | $323.47M | $172.39M |
| CapEx | $2.80M | $1.56M | $2.18M | $1.41M | $1.13M | $619.0K |
| Free Cash Flow | $23.36M | $29.78M | $65.66M | $82.32M | ($29.40M) | ($5.58M) |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | 1102.6% | 891.7% | 1577.5% | 2789.5% | 1167.3% | 1610.8% |
| EBITDA margin | 1329.3% | 933.5% | 1640.5% | 2871.1% | 1251.5% | 1725.7% |
| Net margin | 800.1% | 646.1% | 1126.6% | 1988.7% | 1846.4% | 1159.6% |
| Free cash flow margin | 729.1% | 913.3% | 3092.7% | 4914.7% | -1882.4% | -492.5% |
| FCF / Net income | 0.91 | 1.41 | 2.75 | 2.47 | -1.02 | -0.42 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - |
| Effective tax rate | 27.4% | 27.5% | 28.6% | 28.7% | 29.1% | 28.0% |
| Return on assets | 1.0% | 0.9% | 1.1% | 1.6% | 1.7% | 1.0% |
| Return on equity | 11.2% | 10.3% | 12.4% | 18.8% | 17.5% | 9.2% |
| Return on invested capital | - | - | - | - | - | - |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - |
| Interest coverage | - | - | 0.6x | 4.1x | 5.8x | 2.2x |
| Equity multiplier | 11.63 | 11.54 | 11.15 | 11.84 | 10.45 | 9.53 |
| Liabilities / Assets | 0.91 | 0.91 | 0.91 | 0.92 | 0.90 | 0.90 |
| Efficiency | ||||||
| Asset turnover | 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 | 8.2x | 11.4x | 7.1x | 5.2x | 6.8x | 9.1x |
| P / B | 0.9x | 1.1x | 0.9x | 1.0x | 1.2x | 0.8x |
| P / S | 65.7x | 72.1x | 78.2x | 101.5x | 123.8x | 103.6x |
| EV / EBITDA | 1.0x | 3.3x | 2.1x | 1.8x | 4.0x | 0.6x |
| Growth | ||||||
| Revenue growth (YoY) | -1.7% | 53.6% | 26.7% | 7.2% | 38.0% | -43.8% |
| Revenue CAGR (3y) | 24.1% | 27.8% | 23.3% | -6.0% | 7.0% | - |
| Revenue CAGR (5y) | 23.1% | 10.1% | 10.7% | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | 21.5% | -13.2% | -28.3% | 156.2% | 0.0% | -17.4% |
| Net income growth (YoY) | 21.7% | -11.9% | -28.2% | 15.5% | 119.7% | -21.7% |
| EPS growth (YoY) | 23.7% | -10.3% | -27.6% | 13.8% | 121.2% | -17.5% |
| EPS CAGR (3y) | -7.0% | -9.6% | 22.2% | 27.6% | 52.5% | - |
| EPS CAGR (5y) | 15.1% | 6.2% | 23.9% | - | - | - |
| FCF growth (YoY) | -21.6% | -54.6% | -20.2% | - | -427.4% | - |
| FCF CAGR (5y) | - | 12.6% | 44.8% | - | - | - |
| Book value growth (YoY) | 11.2% | 6.4% | 8.9% | 7.1% | 15.2% | 2.0% |
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%
Stability scores
Piotroski F-score
FY 2025 · 9-point quality
5/9
Neutral
- ✓Net income positive
- ✓Operating cash flow positive
- ✓ROA improved YoY
- ✓Cash flow > net income
- -Long-term debt decreased
- -Current ratio improved
- ✓No share dilution
- -Gross margin improved
- ✗Asset turnover improved
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 |