OP Bancorp (OPBK)

OP Bancorp Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Interest Income	78.35	65.61	68.69	76.91	61.03
Net Interest Income Growth	19.42%	-4.48%	-10.69%	26.03%	34.52%
Non-Interest Income	16.33	16.43	14.18	17.62	16.02
Non-Interest Income Growth	-0.58%	15.84%	-19.51%	10.00%	48.70%
Revenues Before Loan Losses	94.68	82.04	82.87	94.53	77.04
Provision for Credit Losses	3.58	2.76	1.65	2.98	0.52
Revenue	91.1	79.28	81.22	91.55	76.52
Revenue Growth (YoY)	14.91%	-2.39%	-11.29%	19.65%	52.51%
Compensation Expenses	35.99	31.72	29.59	27.19	21.25
Selling, General & Admin	12.3	12.66	12.24	11.03	9.67
Other Non-Interest Expenses	7.49	5.82	5.89	6.62	4.94
Total Non-Interest Expense	55.77	50.2	47.73	44.83	35.87
Pretax Income	35.33	29.08	33.49	46.72	40.66
Provision for Income Taxes	9.69	8.01	9.57	13.41	11.82
Net Income	25.64	21.07	23.92	33.31	28.84
Net Income to Common	25.64	21.07	23.92	33.31	28.84
Net Income Growth	21.67%	-11.91%	-28.20%	15.50%	119.70%
Shares Outstanding (Basic)	15	15	15	15	15
Shares Outstanding (Diluted)	15	15	15	15	15
Shares Change (YoY)	0.23%	-1.89%	-0.48%	0.50%	-0.45%
EPS (Basic)	1.72	1.39	1.55	2.15	1.89
EPS (Diluted)	1.72	1.39	1.55	2.14	1.88
EPS Growth	23.74%	-10.32%	-27.57%	13.83%	121.18%
Shares Outstanding	14.89	14.82	15	15.27	15.14
Free Cash Flow	23.36	29.68	65.57	82.32	-29.4
Free Cash Flow Growth	-21.30%	-54.74%	-20.35%	-	-
Free Cash Flow Per Share	1.57	2.00	4.33	5.40	-1.94
Dividends Per Share	0.480	0.480	0.480	0.440	0.340
Dividend Growth	-	-	9.09%	29.41%	21.43%
Profit Margin	28.14%	26.58%	29.45%	36.38%	37.69%
FCF Margin	25.64%	37.44%	80.74%	89.92%	-38.42%
EBITDA	7.26	4.65	4.47	7.08	6.25
EBITDA Margin	7.97%	5.86%	5.51%	7.73%	8.17%
Effective Tax Rate	27.44%	27.55%	28.58%	28.71%	29.06%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q