OP Bancorp Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 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
Net Interest Income	81.45	78.35	65.61	68.69	76.91	61.03
Net Interest Income Growth	21.49%	19.42%	-4.48%	-10.69%	26.03%	34.52%
Non-Interest Income	15.55	16.33	16.43	14.18	17.62	16.02
Non-Interest Income Growth	-11.94%	-0.58%	15.84%	-19.51%	10.00%	48.70%
Revenues Before Loan Losses	97	94.68	82.04	82.87	94.53	77.04
Provision for Credit Losses	3.26	3.58	2.76	1.65	2.98	0.52
Revenue	93.75	91.1	79.28	81.22	91.55	76.52
Revenue Growth (YoY)	15.23%	14.91%	-2.39%	-11.29%	19.65%	52.51%
Compensation Expenses	36.49	35.99	31.72	29.59	27.19	21.25
Selling, General & Admin	12.53	12.3	12.66	12.24	11.03	9.67
Other Non-Interest Expenses	7.18	7.49	5.82	5.89	6.62	4.94
Total Non-Interest Expense	56.19	55.77	50.2	47.73	44.83	35.87
Pretax Income	37.55	35.33	29.08	33.49	46.72	40.66
Provision for Income Taxes	10.24	9.69	8.01	9.57	13.41	11.82
Net Income	27.31	25.64	21.07	23.92	33.31	28.84
Net Income to Common	27.31	25.64	21.07	23.92	33.31	28.84
Net Income Growth	27.59%	21.67%	-11.91%	-28.20%	15.50%	119.70%
Shares Outstanding (Basic)	15	15	15	15	15	15
Shares Outstanding (Diluted)	15	15	15	15	15	15
Shares Change (YoY)	0.46%	0.23%	-1.89%	-0.48%	0.50%	-0.45%
EPS (Basic)	1.83	1.72	1.39	1.55	2.15	1.89
EPS (Diluted)	1.82	1.72	1.39	1.55	2.14	1.88
EPS Growth	28.17%	23.74%	-10.32%	-27.57%	13.83%	121.18%
Shares Outstanding	14.89	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	0.480	0.440	0.340
Dividend Growth	-	-	-	9.09%	29.41%	21.43%
Profit Margin	29.13%	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	27.28%	27.44%	27.55%	28.58%	28.71%	29.06%

Updated Apr 23, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q