OP Bancorp (OPBK)

OP Bancorp Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Interest Income	70.57	65.61	68.69	76.91	61.03	45.36
Net Interest Income Growth	7.39%	-4.48%	-10.69%	26.03%	34.52%	2.47%
Non-Interest Income	17.44	16.43	14.18	17.62	16.02	10.77
Non-Interest Income Growth	24.13%	15.84%	-19.51%	10.00%	48.70%	-
Revenues Before Loan Losses	88.02	82.04	82.87	94.53	77.04	56.14
Provision for Credit Losses	3.94	2.76	1.65	2.98	0.52	5.96
Revenue	84.08	79.28	81.22	91.55	76.52	50.17
Revenue Growth (YoY)	9.17%	-2.39%	-11.29%	19.65%	52.51%	16.22%
Compensation Expenses	34.16	31.72	29.59	27.19	21.25	20.04
Selling, General & Admin	10.53	10.99	10.78	10.21	9.09	8.22
Other Non-Interest Expenses	9.01	7.5	7.35	7.43	5.52	3.68
Total Non-Interest Expense	53.7	50.2	47.73	44.83	35.87	31.94
Pretax Income	30.37	29.08	33.49	46.72	40.66	18.23
Provision for Income Taxes	8.07	8.01	9.57	13.41	11.82	5.11
Net Income	22.3	21.07	23.92	33.31	28.84	13.13
Net Income to Common	22.3	21.07	23.92	33.31	28.84	13.13
Net Income Growth	6.42%	-11.91%	-28.20%	15.50%	119.70%	-21.66%
Shares Outstanding (Basic)	15	15	15	15	15	15
Shares Outstanding (Diluted)	15	15	15	15	15	15
Shares Change (YoY)	-1.15%	-1.89%	-0.48%	0.50%	-0.45%	-4.46%
EPS (Basic)	1.48	1.39	1.55	2.15	1.89	0.85
EPS (Diluted)	1.48	1.39	1.55	2.14	1.88	0.85
EPS Growth	8.03%	-10.32%	-27.57%	13.83%	121.18%	-17.48%
Free Cash Flow	13.85	29.78	65.66	82.32	-29.4	-5.47
Free Cash Flow Growth	-53.48%	-54.64%	-20.24%	-	-	-
Free Cash Flow Per Share	0.93	2.00	4.33	5.40	-1.94	-0.36
Dividends Per Share	0.480	0.480	0.480	0.440	0.340	0.280
Dividend Growth	-	-	9.09%	29.41%	21.43%	40.00%
Profit Margin	26.52%	26.58%	29.45%	36.38%	37.69%	26.16%
FCF Margin	16.48%	37.57%	80.84%	89.92%	-38.42%	-10.90%
EBITDA	6.39	6.81	7.08	6.45	5.37	3.3
EBITDA Margin	7.60%	8.58%	8.72%	7.04%	7.02%	6.58%
Effective Tax Rate	26.58%	27.55%	28.58%	28.71%	29.06%	28.01%

Updated Jun 30, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q