OP Bancorp (OPBK) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 30, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q2 FY2026, filed Aug 7, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the OPBK SEC filings page.
OP Bancorp (OPBK) reported $99.0M in revenue over the twelve months to Jun 30, 2026, up 12.5% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 10 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
OP Bancorp’s 2025 earnings recovered, but cash generation weakened as a liability-funded balance sheet expanded.
Revenue rose15.4% in FY2025 while operating cash flow fell16.3% , so reported growth did not translate into stronger cash generation. Since FY2022, interest expense surged536.9% while net income fell23.0% , linking the long-run earnings decline to a much heavier funding-cost burden rather than revenue scale alone.
Assets expanded
Net margin improved from
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group, and the overall is the average of the dimensions that can be computed. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of OP Bancorp's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
OP Bancorp earned a return on assets of 1.0% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 0.9% the prior year. Earnings ranks banks on that return over three years, and OP Bancorp scores 56/100 among other banks.
OP Bancorp reported revenue of $94.7M in fiscal year 2025, against $82.0M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and OP Bancorp scores 46/100 among other banks.
OP Bancorp funded 8.6% of its assets with shareholders' equity at the end of fiscal year 2025, holding $227.9M of equity against $2.7B of assets. Capital ranks banks on that cushion, and OP Bancorp scores 17/100 among other banks.
Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. OP Bancorp scores 65/100 on it among other banks.
Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. OP Bancorp scores 62/100 on it among other banks.
OP Bancorp reported net income of $25.6M in fiscal year 2025, against $21.1M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and OP Bancorp scores 68/100 among other banks.
OP Bancorp passes 6 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 1 leverage/liquidity signals pass, the one computable operating efficiency signal (asset turnover improving) passes.
Key Financial Metrics
Earnings & Revenue
OP Bancorp generated $25.7M in revenue in Q2 2026. This represents an increase of 8.6% from the same quarter a year earlier. Against the prior quarter it is up 4.7%.
OP Bancorp reported $8.0M in net income in Q2 2026. This represents an increase of 26.0% from the same quarter a year earlier. Against the prior quarter it is up 10.3%.
OP Bancorp earned $0.53 per diluted share (EPS) in Q2 2026. This represents an increase of 26.2% from the same quarter a year earlier. Against the prior quarter it is up 10.4%.
Not reported for Q2 2026.
Cash & Balance Sheet
OP Bancorp recorded an outflow of $7.4M in free cash flow in Q2 2026, representing a cash shortfall after capex. The change from the same quarter a year earlier is not meaningful, because that figure was zero or negative. Against the prior quarter it is down 197.8%.
OP Bancorp held $175.1M in cash as of Q2 2026; no long-term debt figure is on record for that period.
OP Bancorp paid $0.14 per share in dividends in Q2 2026. This represents an increase of 16.7% from the same quarter a year earlier. Against the prior quarter it is up 16.7%.
Margins & Returns
OP Bancorp's net profit margin was 31.0% in Q2 2026, showing the share of revenue converted to profit. This is up 4.3 percentage points from the same quarter a year earlier. Against the prior quarter it is up 1.6 percentage points.
OP Bancorp's quarterly ROE was 3.3% in Q2 2026: one quarter's net income over shareholder equity, not annualized. This is up 0.4 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.2 percentage points.
Not reported for Q2 2026.
Not reported for Q2 2026.
Capital Allocation
OP Bancorp invested $127K in capex in Q2 2026, funding long-term assets and infrastructure. This represents a decrease of 82.4% from the same quarter a year earlier. Against the prior quarter it is up 11.4%.
Not reported for Q2 2026.
Not reported for Q2 2026.
OPBK Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $25.7M+8.6% | $24.6M+10.4% | $24.3M+13.7% | $24.5M+18.0% | $23.7M+16.2% | $22.2M+13.6% | $21.3M+7.2% | $20.7M+4.2% |
| Interest Expense | $18.1M+1.0% | $18.0M+3.3% | $18.4M+1.6% | $18.2M-3.3% | $17.9M-1.2% | $17.4M+3.0% | $18.1M+16.5% | $18.8M+35.5% |
| Income Tax | $3.1M+45.0% | $2.7M+26.0% | $2.5M+46.7% | $3.0M+38.6% | $2.1M-1.1% | $2.1M+4.3% | $1.7M-20.2% | $2.1M+12.8% |
| Net Income | $8.0M+26.0% | $7.2M+30.1% | $7.0M+41.6% | $6.7M+23.3% | $6.3M+16.5% | $5.6M+6.4% | $5.0M-3.9% | $5.4M+6.2% |
| EPS (Basic) | $0.54+28.6% | $0.49+32.4% | $0.47+42.4% | $0.45+25.0% | $0.42+16.7% | $0.37+8.8% | $0.33-2.9% | $0.36+9.1% |
| EPS (Diluted) | $0.53+26.2% | $0.48+29.7% | $0.47+42.4% | $0.45+25.0% | $0.42+16.7% | $0.37+8.8% | $0.33-2.9% | $0.36+9.1% |
| Diluted Shares (Avg) | 15M+0.6% | 15M+0.5% | N/A | 15M+0.7% | 15M-0.1% | 15M-0.9% | N/A | 15M-2.2% |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, SG&A Expenses, Operating Income, EBITDA.
OPBK Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $2.7B+7.0% | $2.7B+7.4% | $2.7B+12.0% | $2.6B+9.5% | $2.6B+11.9% | $2.5B+12.5% | $2.4B+10.2% | $2.4B+11.4% |
| Cash & Equivalents | $175.1M-14.8% | $160.3M-19.4% | $167.3M+24.0% | $166.7M0.0% | $205.4M+60.9% | $198.9M+42.8% | $134.9M+47.9% | $166.8M+57.7% |
| Total Liabilities | $2.5B+6.6% | $2.5B+7.1% | $2.4B+12.1% | $2.4B+9.5% | $2.3B+12.2% | $2.3B+12.9% | $2.2B+10.5% | $2.2B+11.5% |
| Total Equity | $238.6M+11.7% | $232.7M+10.8% | $227.9M+11.2% | $221.5M+8.8% | $213.7M+9.1% | $210.1M+7.9% | $205.0M+6.4% | $203.6M+10.5% |
| Retained Earnings | $164.6M+15.0% | $158.7M+14.6% | $153.3M+13.7% | $148.0M+12.5% | $143.1M+11.9% | $138.6M+11.5% | $134.8M+11.5% | $131.6M+12.0% |
Not reported in any period shown, so not listed: Current Assets, Short-Term Investments, Inventory, Accounts Receivable, Long-Term Investments, Goodwill, Current Liabilities, Non-Current Liabilities, Long-Term Debt.
OPBK Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | -$7.3Mn/m | $7.7M+37.4% | $3.6M-32.9% | $23.9M+79.6% | -$7.0M-144.1% | $5.6Mn/m | $5.3Mn/m | $13.3M-13.6% |
| Depreciation & Amortization | $344K-12.7% | $2.1M+61.5% | $1.6M+95.6% | $411K+22.7% | $394K+18.7% | $1.3M+248.8% | $834K+131.0% | $335K-8.7% |
| Stock-Based Compensation | N/A | $180K+12.5% | N/A | N/A | N/A | $160K-49.8% | N/A | $272K-15.8% |
| Capital Expenditures | $127K-82.4% | $114K-92.0% | $103K-87.4% | $554K-4.5% | $720K+835.1% | $1.4M+1482.2% | $815K+252.8% | $580K-1.2% |
| Free Cash Flow | -$7.4Mn/m | $7.6M+81.3% | $3.5M-23.0% | $23.4M+83.4% | -$7.7M-148.9% | $4.2Mn/m | $4.5Mn/m | $12.8M-14.0% |
| Investing Cash Flow | -$16.8Mn/m | -$59.7Mn/m | -$32.9Mn/m | -$104.5Mn/m | -$23.8Mn/m | -$81.8Mn/m | -$18.0Mn/m | -$56.2Mn/m |
| Financing Cash Flow | $38.9M+4.2% | $44.9M-67.9% | $29.9Mn/m | $41.9M-48.9% | $37.3M-27.2% | $140.1M+63.5% | -$19.2Mn/m | $82.0Mn/m |
| Dividends Paid | $2.1M+16.9% | $1.8M+0.5% | $1.8M+0.5% | $1.8M+0.5% | $1.8M-0.3% | $1.8M-1.3% | $1.8M-1.2% | $1.8M-2.1% |
| Share Buybacks | N/A | N/A | N/A | $0-100.0% | $713K-67.7% | $0-100.0% | $0-100.0% | $52Kn/m |
OPBK Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 31.0%+4.3pp | 29.5%+4.4pp | 29.0%+5.7pp | 27.4%+1.2pp | 26.7%+0.1pp | 25.0%-1.7pp | 23.3%-2.7pp | 26.2%+0.5pp |
| Return on Equity | 3.3%+0.4pp | 3.1%+0.5pp | 3.1%+0.7pp | 3.0%+0.4pp | 3.0%+0.2pp | 2.6%0.0pp | 2.4%-0.3pp | 2.7%-0.1pp |
| Return on Assets | 0.3%0.0pp | 0.3%+0.1pp | 0.3%+0.1pp | 0.3%0.0pp | 0.3%0.0pp | 0.2%0.0pp | 0.2%0.0pp | 0.2%0.0pp |
| Liabilities-to-Equity | 10.50-0.5x | 10.60-0.4x | 10.63+0.1x | 10.80+0.1x | 11.00+0.3x | 10.96+0.5x | 10.54+0.4x | 10.73+0.1x |
| Asset Turnover | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x |
| FCF Margin | -28.9%+3.5pp | 31.0%+12.1pp | 14.2%-6.8pp | 95.6%+34.1pp | -32.4%-109.4pp | 18.9%+35.4pp | 21.0%+28.9pp | 61.5%-13.0pp |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio, Debt-to-Equity.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it. Market cap is stated at each company's latest close.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| OP Bancorp OPBK | FY2025 | $94.7M | $25.6M | 27.1% | $225.2M | 52/100 |
| Community Bancorp. CMTV | FY2025 | $48.8M | $17.0M | 34.8% | $235.6M | 62/100 |
| CF Bankshares Inc. CFBK | FY2025 | $61.0M | $17.5M | 28.8% | $231.1M | 50/100 |
| Ohio Valley Banc Corp OVBC | FY2025 | $66.7M | $15.6M | 23.4% | $227.2M | 50/100 |
| Citizens Community Bancorp, Inc. CZWI | FY2025 | $62.3M | $14.4M | 23.1% | $224.4M | 43/100 |
| Peoples Bancorp of North Carol PEBK | FY2025 | $90.0M | $19.8M | 22.0% | $234.3M | 50/100 |
Where OP Bancorp Ranks
Frequently Asked Questions
OP Bancorp (OPBK) reported $94.7M in total revenue for fiscal year 2025. This represents a 15.4% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
OP Bancorp (OPBK) revenue grew by 15.4% year-over-year, from $82.0M to $94.7M in fiscal year 2025.
Yes, OP Bancorp (OPBK) reported a net income of $29.0M over the trailing 12 months to June 30, 2026. In fiscal year 2025 it reported a net income of $25.6M, with a net profit margin of 27.1%.
OP Bancorp (OPBK) had a net profit margin of 27.1% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Yes, OP Bancorp (OPBK) paid $0.48 per share in dividends during fiscal year 2025.
OP Bancorp (OPBK) has a return on equity of 11.3% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
OP Bancorp (OPBK) generated $23.4M in free cash flow during fiscal year 2025. This represents a -21.3% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
OP Bancorp (OPBK) generated $26.2M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
OP Bancorp (OPBK) had $2.7B in total assets as of fiscal year 2025, including both current and long-term assets.
OP Bancorp (OPBK) invested $2.8M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
OP Bancorp (OPBK) had a liabilities-to-equity ratio of 10.63 as of fiscal year 2025, which is total liabilities divided by total shareholder equity. Total liabilities counts every obligation on the balance sheet (payables, deposits, insurance reserves and deferred taxes as well as borrowings), so this ratio usually runs well above debt-to-equity. No debt-to-equity ratio is shown for fiscal year 2025, because the filing data we hold for that year carries no long-term debt figure.
OP Bancorp (OPBK) had a return on assets of 1.0% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
OP Bancorp (OPBK) trades at 7.8x earnings, its market capitalization divided by $29.0M net income, trailing 12 months to June 30, 2026. The market capitalization is $225.2M as of Oct 30, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
OP Bancorp (OPBK) trades at 2.3x sales, its market capitalization divided by $99.0M revenue, trailing 12 months to June 30, 2026. The market capitalization is $225.2M as of Oct 30, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
OP Bancorp (OPBK) has a Piotroski F-Score of 6 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
OP Bancorp (OPBK) scores 52 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is the average of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.