OP Bancorp (OPBK)
NASDAQ: OPBK · Real-Time Price · USD
15.03
-0.21 (-1.38%)
Aug 26, 2026, 4:00 PM EDT - Market closed
OP Bancorp Cash Flow Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 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 |
Net Income | 28.95 | 25.64 | 21.07 | 23.92 | 33.31 | 28.84 |
Depreciation & Amortization | 8.48 | 7.26 | 4.65 | 4.47 | 5.75 | 4.85 |
Gain (Loss) on Sale of Investments | - | - | - | - | 1.76 | 1.51 |
Total Asset Writedown | 0.06 | 0.06 | - | - | - | - |
Provision for Credit Losses | 1.9 | 3.58 | 2.76 | 1.65 | 2.98 | 0.52 |
Net Decrease (Increase) in Loans Originated / Sold - Operating | 0.81 | -2.52 | 2.69 | 46.98 | 54.02 | -59.37 |
Accrued Interest Receivable | -1.56 | -2.28 | 10.45 | -8.13 | -2.4 | 0.24 |
Change in Other Net Operating Assets | - | - | - | - | -3.4 | 8.91 |
Other Operating Activities | -0.76 | 0.21 | -2.28 | -0.62 | -0.48 | -0.26 |
Operating Cash Flow | 27.91 | 26.16 | 31.24 | 67.76 | 83.73 | -28.28 |
Operating Cash Flow Growth | 61.38% | -16.27% | -53.89% | -19.08% | - | - |
Investing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 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 |
Capital Expenditures | -0.9 | -2.8 | -1.56 | -2.18 | -1.41 | -1.13 |
Investment in Securities | -29.54 | -4.39 | 4.31 | 15.88 | -84.76 | -63.26 |
Net Decrease (Increase) in Loans Originated / Sold - Investing | -181.85 | -235.28 | -189.98 | -85.54 | -364.13 | -220.7 |
Other Investing Activities | -1.59 | -0.54 | -0.09 | -4.05 | -11.48 | -0.96 |
Investing Cash Flow | -213.88 | -243.01 | -187.32 | -75.89 | -461.78 | -286.04 |
Financing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 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 |
Long-Term Debt Issued | - | 149.57 | 20 | 105 | - | - |
Total Debt Issued | 139.57 | 149.57 | 20 | 105 | - | - |
Long-Term Debt Repaid | - | -145 | -30 | - | - | -5 |
Total Debt Repaid | -90 | -145 | -30 | - | - | -5 |
Net Debt Issued (Repaid) | 49.57 | 4.57 | -10 | 105 | - | -5 |
Issuance of Common Stock | - | - | 0.16 | 0.89 | 0.61 | 0.09 |
Repurchase of Common Stock | -0.11 | -1.48 | -2.94 | -4.03 | -0.08 | -0.46 |
Common Dividends Paid | -7.44 | -7.13 | -7.14 | -7.27 | -6.68 | -5.13 |
Net Increase (Decrease) in Deposit Accounts | 113.61 | 253.26 | 219.73 | -78.21 | 351.71 | 333.98 |
Financing Cash Flow | 155.63 | 249.22 | 199.8 | 16.37 | 345.56 | 323.47 |
Net Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 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 |
Net Cash Flow | -30.34 | 32.37 | 43.73 | 8.24 | -32.49 | 9.15 |
Free Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 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 |
Free Cash Flow | 27.01 | 23.36 | 29.68 | 65.57 | 82.32 | -29.4 |
Free Cash Flow Growth | 96.38% | -21.30% | -54.74% | -20.35% | - | - |
Free Cash Flow Margin | 27.81% | 25.64% | 37.44% | 80.74% | 89.92% | -38.42% |
Free Cash Flow Per Share | 1.81 | 1.57 | 2.00 | 4.33 | 5.41 | -1.94 |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 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 Interest Paid | 72.5 | 73.45 | 68.57 | 43.12 | 9.09 | 3.6 |
Cash Income Tax Paid | 10.06 | 7.47 | 8.26 | 8.39 | 14.49 | 10.78 |