OP Bancorp Cash Flow 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 Income	27.31	25.64	21.07	23.92	33.31	28.84
Depreciation & Amortization	5.36	7.26	4.65	4.47	7.08	6.25
Provision for Credit Losses	3.26	3.58	2.76	1.65	2.98	0.52
Stock-Based Compensation	0.72	0.7	1.18	1.3	1.18	0.56
Net Change in Loans Held-for-Sale	11.4	-2.52	2.69	46.98	58.89	-54.52
Other Adjustments	-8.7	-6.81	-10.59	-8.46	-16.12	-18.62
Changes in Accrued Interest and Accounts Receivable	-	-	-	-	-2.4	0.24
Changes in Accounts Payable	-	-	-	-	2.21	-0.46
Changes in Other Operating Activities	-3.03	-1.69	9.49	-2.11	-3.4	8.91
Operating Cash Flow	28.26	26.16	31.24	67.76	83.73	-28.28
Operating Cash Flow Growth	-29.37%	-16.27%	-53.89%	-19.08%	-	-
Net Change in Loans Held-for-Investment	-190.09	-235.28	-189.98	-85.54	-364.13	-220.7
Net Change in Securities and Investments	-23.7	0.56	8.5	14.68	-85.16	-63.39
Capital Expenditures	-1.49	-2.8	-1.56	-2.18	-1.41	-1.13
Other Investing Activities	-7.12	-5.49	-4.28	-2.84	-11.08	-0.83
Investing Cash Flow	-220.92	-243.01	-187.32	-75.89	-461.78	-286.04
Net Change in Deposits	137.42	253.26	219.73	-78.21	351.71	333.98
Short-Term Debt Issued	150	125	20	105	-	-
Short-Term Debt Repaid	-150	-145	-30	-	-	-5
Net Short-Term Debt Issued (Repaid)	-	-20	-10	105	-	-5
Long-Term Debt Issued	-	24.57	-	-	-	-
Net Long-Term Debt Issued (Repaid)	-	24.57	-	-	-	-
Issuance of Common Stock	-	-	0.16	0.89	0.61	0.09
Repurchase of Common Stock	-0.44	-1.48	-2.94	-4.03	-0.08	-0.46
Net Common Stock Issued (Repurchased)	-0.44	-1.48	-2.78	-3.14	0.53	-0.37
Common Dividends Paid	-7.14	-7.13	-7.14	-7.27	-6.68	-5.13
Financing Cash Flow	154.05	249.22	199.8	16.37	345.56	323.47
Net Cash Flow	-38.6	32.37	43.73	8.24	-32.49	9.15
Free Cash Flow	26.77	23.36	29.68	65.57	82.32	-29.4
Free Cash Flow Growth	14.60%	-21.30%	-54.74%	-20.35%	-	-
FCF Margin	28.56%	25.64%	37.44%	80.74%	89.92%	-38.42%
Free Cash Flow Per Share	1.80	1.57	2.00	4.33	5.40	-1.94
Levered Free Cash Flow	28.14	32.98	23.65	129.1	35.4	37.66
Unlevered Free Cash Flow	0.83	2.77	12.58	0.18	2.09	13.82

SEC Filings: 10-K · 10-Q