OPBK

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OP Bancorp

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Key Metrics

Previous Close: $15.23
52-Week Range: $12.41 – $16.83
Market Cap: $231.16M
P/E (TTM): 7.98
EPS (TTM): 1.94
Dividend Yield: 3.62%

Advanced Metrics

Price/Book: 0.97
PEG Ratio: 0.97
Return on Equity: 12.80%
Return on Assets: 1.09%
Gross Margin: 0.00%
Operating Margin: 47.32%
Profit Margin: 29.81%
Current Ratio: —
Debt/Equity: —
Total Debt: $109.83M
Free Cash Flow: —
Revenue Growth: 15.10%
Earnings Growth: 26.20%
Enterprise Value: $165.69M

OPBK Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$94.53M	$82.87M	$82.03M	$94.68M
Selling, General & Admin	$29.23M	$32.34M	$34.56M	$38.95M
Pretax Income	$46.72M	$33.49M	$29.08M	$35.33M
Income Tax	$13.41M	$9.57M	$8.01M	$9.69M
Net Income	$33.31M	$23.92M	$21.07M	$25.64M
Diluted EPS	2.14	1.55	1.39	1.72
Diluted Shares	15.23M	15.16M	14.87M	14.91M

OPBK Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$82.97M	$91.31M	$135.04M	$167.42M
Receivables	$7.18M	$8.26M	$9.19M	$10.48M
Total Assets	$2.09B	$2.15B	$2.37B	$2.65B
Long-Term Debt	—	$105.00M	$95.00M	$99.59M
Total Debt	$10.21M	$114.34M	$102.86M	$110.76M
Total Liabilities	$1.92B	$1.96B	$2.16B	$2.42B
Retained Earnings	$105.69M	$120.86M	$134.78M	$153.28M
Shareholders' Equity	$176.92M	$192.63M	$204.99M	$227.89M
Net Debt	—	$13.69M	—	—

OPBK Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$83.73M	$67.76M	$31.24M	$26.16M
Capital Expenditure	-$1.41M	-$2.18M	-$1.56M	-$2.80M
Free Cash Flow	$82.32M	$65.57M	$29.68M	$23.36M
Depreciation & Amortisation	$1.37M	$4.47M	$4.65M	$7.26M
Stock-Based Compensation	$1.18M	$1.30M	$1.18M	$699.00K
Investing Cash Flow	-$461.78M	-$75.89M	-$187.32M	-$243.01M
Financing Cash Flow	$345.56M	$16.37M	$199.80M	$249.22M
Dividends Paid	-$6.68M	-$7.27M	-$7.14M	-$7.13M
Share Repurchases	$0.00	-$3.93M	-$2.74M	-$706.00K
Net Change in Cash	-$32.49M	$8.24M	$43.73M	$32.37M

OPBK Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$23.69M	$24.48M	$24.28M	$24.55M	$25.72M
Selling, General & Admin	$10.01M	$9.60M	$9.74M	$9.96M	$10.39M
Pretax Income	$8.45M	$9.67M	$9.53M	$9.91M	$11.04M
Income Tax	$2.11M	$2.97M	$2.49M	$2.68M	$3.06M
Net Income	$6.33M	$6.70M	$7.04M	$7.23M	$7.98M
Diluted EPS	0.42	0.45	0.47	0.48	0.53
Diluted Shares	14.86M	14.92M	14.92M	14.93M	14.94M

OPBK Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$205.49M	$166.85M	$167.42M	$160.37M	$175.16M
Receivables	$9.99M	$10.34M	$10.48M	$10.68M	$10.17M
Total Assets	$2.56B	$2.61B	$2.65B	$2.70B	$2.74B
Long-Term Debt	$50.00M	$75.00M	$99.59M	$99.61M	$99.63M
Total Debt	$62.24M	$86.83M	$110.76M	$110.11M	$109.49M
Total Liabilities	$2.35B	$2.39B	$2.42B	$2.47B	$2.51B
Retained Earnings	$143.11M	$148.03M	$153.28M	$158.73M	$164.62M
Shareholders' Equity	$213.72M	$221.50M	$227.89M	$232.71M	$238.64M

OPBK Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	-$6.96M	$23.95M	$3.56M	$7.72M	-$7.31M
Capital Expenditure	-$720.00K	-$554.00K	-$103.00K	-$114.00K	-$127.00K
Free Cash Flow	-$7.68M	$23.39M	$3.45M	$7.60M	-$7.44M
Depreciation & Amortisation	$1.32M	$3.04M	$1.63M	$2.07M	$1.75M
Stock-Based Compensation	$153.00K	$174.00K	$212.00K	$180.00K	$193.00K
Investing Cash Flow	-$23.84M	-$104.49M	-$32.90M	-$59.69M	-$16.80M
Financing Cash Flow	$37.32M	$41.90M	$29.90M	$44.93M	$38.90M
Dividends Paid	-$1.78M	-$1.79M	-$1.79M	-$1.79M	-$2.08M
Share Repurchases	-$713.00K	$0.00	$7.00K	—	—
Net Change in Cash	$6.53M	-$38.64M	$563.00K	-$7.05M	$14.79M

Market Snapshot

About

OP Bancorp operates as a community bank serving primarily Korean-American businesses and individuals in California, offering commercial and consumer banking services.