What is OP Bancorp's earnings per share (EPS)?

OP Bancorp (OPBK) reported diluted earnings per share of $1.72 for fiscal year 2025. This represents a 23.7% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

OP Bancorp (OPBK) Financials

OPBK

Trailing 12 months to June 30, 2026

Revenue $99.0M +12.5% YoY

Net Income $29.0M +29.8% YoY

EPS (Diluted) $1.93 +30.4% YoY

Free Cash Flow $27.0M +96.4% YoY

Market Cap $231.2M as of Sep 16, 2026

Price / Sales 2.3x on $99.0M revenue, trailing 12 months to June 30, 2026

Price / Earnings 8.0x on $29.0M net income, trailing 12 months to June 30, 2026

Price / Book 1.0x on $238.6M equity, Q2 FY2026

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 Sep 16, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 7, 2026 Currency USD FYE December

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).

Rhea AI OPBK FY2025 2026-09-05

Liability-funded balance-sheet growth supports revenue recovery, but elevated funding costs keep asset returns modest.

By FY2025, assets reached $2.7B while ROA was 1.0%, indicating that each asset dollar produces a modest accounting return despite the balance sheet’s scale. A debt-to-equity ratio of 10.6x reinforces that expansion is funded predominantly through liabilities, making leverage—not gross margin—the central operating lens.

The near match between net income of $25.6M and operating cash flow of $26.2M suggests reported earnings were broadly realized in cash rather than driven mainly by non-cash accounting items. Free cash flow still fell to $23.4M after $2.8M of capital expenditure, so reinvestment absorbs a measurable portion of that cash.

Revenue recovered to $94.7M in FY2025, but net margin was 27.1%, showing that top-line recovery did not fully restore earlier earnings economics. Interest expense reached $72.0M, far above FY2022’s $11.3M, helping explain why funding costs remain the main constraint on profit conversion.

Financial Health Signals

Financial Health Score 53/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. 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.

Earnings

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 58/100 among other banks.

Growth

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.

Capital

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 14/100 among other banks.

Efficiency

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 66/100 on it among other banks.

Credit Quality

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 61/100 on it among other banks.

Stability

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 71/100 among other banks.

Piotroski F-Score Partial

6/6

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, both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.02x

For every $1 of reported earnings, OP Bancorp generates $1.02 in operating cash flow ($26.2M OCF vs $25.6M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$25.7M

YoY+8.6%

QoQ+4.7%

5Y CAGR+8.9%

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%.

Net Income

$8.0M

YoY+26.0%

QoQ+10.3%

5Y CAGR+4.6%

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%.

EPS (Diluted)

$0.53

YoY+26.2%

QoQ+10.4%

5Y CAGR+4.8%

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%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

-$7.4M

YoY+3.1%

QoQ-197.8%

OP Bancorp recorded an outflow of $7.4M in free cash flow in Q2 2026, representing a cash shortfall after capex. This represents an increase of 3.1% from the same quarter a year earlier. Against the prior quarter it is down 197.8%.

Cash & Debt

$175.1M

YoY-14.8%

QoQ+9.2%

5Y CAGR+6.3%

OP Bancorp held $175.1M in cash as of Q2 2026; long-term debt is not reported for that period.

Dividends Per Share

$0.14

YoY+16.7%

QoQ+16.7%

5Y CAGR+14.9%

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%.

Shares Outstanding

15M

YoY+0.3%

QoQ+0.3%

5Y CAGR-0.3%

OP Bancorp had 15M shares outstanding in Q2 2026. This represents an increase of 0.3% from the same quarter a year earlier. Against the prior quarter it is up 0.3%.

Margins & Returns

Net Margin

31.0%

YoY+4.3pp

QoQ+1.6pp

5Y change-6.9pp

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.

Return on Equity

3.3%

YoY+0.4pp

QoQ+0.2pp

5Y change-0.9pp

OP Bancorp's ROE was 3.3% in Q2 2026, measuring profit generated per dollar of shareholder equity. 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.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Capital Expenditures

$127K

YoY-82.4%

QoQ+11.4%

5Y CAGR-11.4%

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%.

R&D Spending

Not reported for Q2 2026.

Share Buybacks

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.

OPBK quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K
Revenue	$99.0M	$94.7M+15.4%	$82.0M-1.0%	$82.9M-12.3%	$94.5M+22.7%	$77.0M+37.2%	$56.1M+0.8%	$55.7M+10.8%	$50.3M+12.5%	$44.7M+19.7%	$37.3M
SG&A Expenses	$37.1M	$36.0M+13.5%	$31.7M+7.2%	$29.6M+8.8%	$27.2M+27.9%	$21.3M+6.0%	$20.0M-1.1%	$20.3M+11.4%	$18.2M+10.4%	$16.5M+13.2%	$14.6M
Interest Expense	$72.7M	$72.0M0.0%	$72.0M+35.9%	$53.0M+368.8%	$11.3M+260.8%	$3.1M-62.2%	$8.3M-42.8%	$14.5M+59.2%	$9.1M+99.2%	$4.6M+35.7%	$3.4M
Income Tax	$11.2M	$9.7M+21.0%	$8.0M-16.3%	$9.6M-28.6%	$13.4M+13.5%	$11.8M+131.4%	$5.1M-4.0%	$5.3M+2.2%	$5.2M-34.1%	$7.9M+61.3%	$4.9M
Net Income	$29.0M	$25.6M+21.7%	$21.1M-11.9%	$23.9M-28.2%	$33.3M+15.5%	$28.8M+119.7%	$13.1M-21.7%	$16.8M+17.6%	$14.3M+54.3%	$9.2M+24.4%	$7.4M
EPS (Basic)	N/A	$1.72+23.7%	$1.39-10.3%	$1.55-27.9%	$2.15+13.8%	$1.89+122.4%	$0.85-18.3%	$1.04+13.0%	$0.92+35.3%	$0.68+23.6%	$0.55
EPS (Diluted)	$1.93	$1.72+23.7%	$1.39-10.3%	$1.55-27.6%	$2.14+13.8%	$1.88+121.2%	$0.85-17.5%	$1.03+15.7%	$0.89+34.8%	$0.66+24.5%	$0.53
Diluted Shares (Avg)	N/A	15M+0.2%	15M-1.9%	15M-0.5%	15M+0.5%	15M-0.5%	15M-4.5%	16M+2.5%	16M+15.3%	13M+2.5%	13M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	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%
SG&A Expenses	$9.7M+7.3%	$9.3M+5.7%	$9.2M+11.7%	$8.9M+10.7%	$9.1M+19.9%	$8.8M+11.9%	$8.3M+8.3%	$8.0M+14.5%
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, Operating Income, EBITDA.

OPBK Balance Sheet

OPBK quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K
Total Assets	$2.7B+12.0%	$2.4B+10.2%	$2.1B+2.5%	$2.1B+21.3%	$1.7B+26.3%	$1.4B+15.9%	$1.2B+13.0%	$1.0B+15.9%	$901.0M	N/A
Cash & Equivalents	$167.3M+24.0%	$134.9M+47.9%	$91.2M+9.9%	$83.0M-28.1%	$115.5M+8.6%	$106.3M+23.6%	$86.0M+10.7%	$77.7M+22.9%	$63.3M+214.3%	$20.1M
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Total Liabilities	$2.4B+12.1%	$2.2B+10.5%	$2.0B+2.0%	$1.9B+22.8%	$1.6B+27.6%	$1.2B+17.8%	$1.0B+13.6%	$914.4M+13.0%	$809.5M	N/A
Total Equity	$227.9M+11.2%	$205.0M+6.4%	$192.6M+8.9%	$176.9M+7.1%	$165.2M+15.2%	$143.4M+2.0%	$140.6M+8.3%	$129.8M+41.9%	$91.5M+12.5%	$81.3M
Retained Earnings	$153.3M+13.7%	$134.8M+11.5%	$120.9M+14.3%	$105.7M+33.7%	$79.1M+42.8%	$55.3M+19.1%	$46.5M+41.4%	$32.9M+76.5%	$18.6M	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	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%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
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, Inventory, Accounts Receivable, Goodwill, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

OPBK Cash Flow Statement

OPBK quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K
Operating Cash Flow	$27.9M	$26.2M-16.3%	$31.2M-53.9%	$67.8M-19.1%	$83.7M+396.1%	-$28.3M-482.9%	-$4.9M-125.6%	$19.0M-38.0%	$30.6M+1525.5%	-$2.1M-120.3%	$10.6M
Depreciation & Amortization	N/A	$7.3M+56.3%	$4.6M+3.9%	$4.5M+227.3%	$1.4M+4.0%	$1.3M+1.0%	$1.3M+13.5%	$1.1M+9.9%	$1.0M+3.5%	$1.0M-7.0%	$1.1M
Stock-Based Compensation	N/A	$699K-40.9%	$1.2M-8.8%	$1.3M+10.0%	$1.2M+111.3%	$558K-49.4%	$1.1M-25.0%	$1.5M+51.7%	$969K+45.1%	$668K-44.6%	$1.2M
Capital Expenditures	$898K	$2.8M+79.3%	$1.6M-28.5%	$2.2M+54.7%	$1.4M+25.5%	$1.1M+81.7%	$619K-64.4%	$1.7M+45.5%	$1.2M+183.8%	$421K+62.5%	$259K
Free Cash Flow	$27.0M	$23.4M-21.3%	$29.7M-54.7%	$65.6M-20.3%	$82.3M+380.0%	-$29.4M-437.5%	-$5.5M-131.7%	$17.2M-41.4%	$29.4M+1245.2%	-$2.6M-124.9%	$10.3M
Investing Cash Flow	-$213.9M	-$243.0M-29.7%	-$187.3M-146.8%	-$75.9M+83.6%	-$461.8M-61.4%	-$286.0M-94.5%	-$147.1M-24.6%	-$118.0M+19.3%	-$146.3M-79.1%	-$81.7M+49.0%	-$160.1M
Financing Cash Flow	$155.6M	$249.2M+24.7%	$199.8M+1120.3%	$16.4M-95.3%	$345.6M+6.8%	$323.5M+87.8%	$172.3M+60.5%	$107.4M-17.5%	$130.2M+2.5%	$126.9M-4.0%	$132.2M
Dividends Paid	$7.4M	$7.1M-0.1%	$7.1M-1.7%	$7.3M+8.9%	$6.7M+30.1%	$5.1M+20.4%	$4.3M+35.3%	$3.2M	N/A	N/A	N/A
Share Buybacks	N/A	$706K-74.3%	$2.7M-30.3%	$3.9M	$0-100.0%	$28K-99.7%	$8.1M+50.3%	$5.4M	N/A	N/A	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	-$7.3M-5.1%	$7.7M+37.4%	$3.6M-32.9%	$23.9M+79.6%	-$7.0M-144.1%	$5.6M+278.1%	$5.3M+473.6%	$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-76.2%	$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	-$7.4M+3.1%	$7.6M+81.3%	$3.5M-23.0%	$23.4M+83.4%	-$7.7M-148.9%	$4.2M+229.3%	$4.5M+371.9%	$12.8M-14.0%
Investing Cash Flow	-$16.8M+29.5%	-$59.7M+27.0%	-$32.9M-83.2%	-$104.5M-85.9%	-$23.8M+69.7%	-$81.8M-136.9%	-$18.0M-667.0%	-$56.2M-50.6%
Financing Cash Flow	$38.9M+4.2%	$44.9M-67.9%	$29.9M+256.1%	$41.9M-48.9%	$37.3M-27.2%	$140.1M+63.5%	-$19.2M-77.9%	$82.0M+608.1%
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	-$7K	$0-100.0%	$713K-67.7%	$0-100.0%	$0-100.0%	$52K

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.

OPBK quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K
Net Margin	27.1%+1.4pp	25.7%-3.2pp	28.9%-6.4pp	35.2%-2.2pp	37.4%+14.1pp	23.4%-6.7pp	30.1%+1.8pp	28.3%+7.7pp	20.7%+0.8pp	19.9%
Return on Equity	11.3%+1.0pp	10.3%-2.1pp	12.4%-6.4pp	18.8%+1.4pp	17.5%+8.3pp	9.2%-2.8pp	11.9%+0.9pp	11.0%+0.9pp	10.1%+1.0pp	9.1%
Return on Assets	1.0%+0.1pp	0.9%-0.2pp	1.1%-0.5pp	1.6%-0.1pp	1.7%+0.7pp	1.0%-0.5pp	1.4%+0.1pp	1.4%+0.3pp	1.0%	N/A
Debt-to-Equity	10.63+0.1x	10.54+0.4x	10.15-0.7x	10.84+1.4x	9.45+0.9x	8.53+1.1x	7.39+0.3x	7.05-1.8x	8.85	N/A
Asset Turnover	0.040.0x	0.030.0x	0.040.0x	0.050.0x	0.040.0x	0.040.0x	0.050.0x	0.050.0x	0.05	N/A
FCF Margin	24.7%-11.5pp	36.2%-43.0pp	79.1%-8.0pp	87.1%+125.3pp	-38.2%-28.4pp	-9.7%-40.7pp	30.9%-27.5pp	58.5%+64.2pp	-5.8%-33.4pp	27.7%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	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
Debt-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%+29.3pp	61.5%-13.0pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

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.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
OP Bancorp OPBK	FY2025	$94.7M	$25.6M	27.1%	$231.2M	53/100
First United Corp FUNC	FY2025	$88.7M	$24.5M	27.6%	$290.6M	55/100
Virginia National Bankshares Corporation VABK	FY2025	$57.6M	$19.3M	33.4%	$262.7M	57/100
Old Point Financial Corp OPOF	FY2024	$85.8M	$9.5M	11.1%	$214.8M	44/100
FIRST NATL CORP STRASBURG VA FXNC	FY2025	$90.3M	$17.7M	19.6%	$285.3M	42/100

Where OP Bancorp Ranks

Frequently Asked Questions

What is OP Bancorp's annual revenue?

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.

How fast is OP Bancorp's revenue growing?

OP Bancorp (OPBK) revenue grew by 15.4% year-over-year, from $82.0M to $94.7M in fiscal year 2025.

Is OP Bancorp profitable?

Yes, OP Bancorp (OPBK) reported a net income of $25.6M in fiscal year 2025, with a net profit margin of 27.1%.

What is OP Bancorp's net profit margin?

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.

Does OP Bancorp pay dividends?

Yes, OP Bancorp (OPBK) paid $0.48 per share in dividends during fiscal year 2025.

What is OP Bancorp's return on equity (ROE)?

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.

What is OP Bancorp's free cash flow?

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.

What is OP Bancorp's operating cash flow?

OP Bancorp (OPBK) generated $26.2M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are OP Bancorp's total assets?

OP Bancorp (OPBK) had $2.7B in total assets as of fiscal year 2025, including both current and long-term assets.

What are OP Bancorp's capital expenditures?

OP Bancorp (OPBK) invested $2.8M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does OP Bancorp buy back shares?

Yes, OP Bancorp (OPBK) spent $706K on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does OP Bancorp have outstanding?

OP Bancorp (OPBK) had 15M shares outstanding as of fiscal year 2025.

What is OP Bancorp's debt-to-equity ratio?

OP Bancorp (OPBK) had a debt-to-equity ratio of 10.63 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is OP Bancorp's return on assets (ROA)?

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.

What is OP Bancorp's P/E ratio?

OP Bancorp (OPBK) trades at 8.0x earnings, its market capitalization divided by net income of $29.0M net income, trailing 12 months to June 30, 2026. The market capitalization is $231.2M as of Sep 16, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is OP Bancorp's price-to-sales ratio?

OP Bancorp (OPBK) trades at 2.3x sales, its market capitalization divided by revenue of $99.0M revenue, trailing 12 months to June 30, 2026. The market capitalization is $231.2M as of Sep 16, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is OP Bancorp's Piotroski F-Score?

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.

Are OP Bancorp's earnings high quality?

OP Bancorp (OPBK) has an earnings quality ratio of 1.02x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is OP Bancorp?

OP Bancorp (OPBK) scores 53 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite 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.