OP Bancorp (OPBK)

NASDAQ: OPBK · Real-Time Price · USD

15.44

+0.15 (0.98%)

At close: Oct 29, 2026, 4:00 PM EDT

15.14

-0.30 (-1.94%)

After-hours: Oct 29, 2026, 7:30 PM EDT

OP Bancorp Financials Overview

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

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	99.73	91.1	79.28	81.22	91.55	76.52
Revenue Growth	14.53%	14.91%	-2.39%	-11.29%	19.65%	52.51%
Net Income	30.01	25.64	20.69	23.44	32.61	28.51
Earnings Per Share	2.01	1.72	1.39	1.55	2.14	1.88
EPS Growth	27.99%	23.74%	-10.17%	-27.69%	13.83%	121.18%

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Investments	242.9	167.42	135.41	91.31	83.07	115.55
Total Debt	109.4	111.65	103.44	114.34	10.21	10.31
Net Cash (Debt)	133.5	55.77	31.98	-23.03	72.85	105.25
Net Cash Growth	68.68%	74.41%	-	-	-30.78%	13.20%
Net Cash Per Share	8.93	3.74	2.15	-1.52	4.78	6.94

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	-	26.16	31.24	67.76	83.73	-28.28
Capital Expenditures	-	-2.8	-1.56	-2.18	-1.41	-1.13
Free Cash Flow	-	23.36	29.68	65.57	82.32	-29.4
Free Cash Flow Growth	-	-21.30%	-54.74%	-20.35%	-	-

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Profit Margin	30.09%	28.14%	26.10%	28.86%	35.61%	37.26%
FCF Margin	-	25.64%	37.44%	80.74%	89.92%	-38.42%

Dividends

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Oct '26 Oct 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Dividend Per Share	0.560	0.480	0.480	0.480	0.440	0.340
Dividend Per Share Growth	12.50%	0%	0%	9.09%	29.41%	21.43%
Dividend Yield	3.63%	3.40%	3.04%	4.38%	3.96%	2.67%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Oct '26 Oct 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	7.68	8.20	11.32	7.01	5.20	6.77
Forward PE	7.55	7.37	11.06	7.50	5.34	7.17
P/FCF Ratio	8.49	9.00	7.89	2.51	2.06	-
PS Ratio	2.30	2.31	2.95	2.02	1.85	2.52