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Financials · OPBK

OP Bancorp (OPBK) financials

For the twelve months ended Sep 30, 2026, OP Bancorp reported $102.06M of revenue and $30.01M of net income.

Revenue, TTM
$102.06M
Revenue growth, YoY
+11.2%
Net income, TTM
$30.01M
Net income growth, YoY
+27.4%
Net margin
29.4%
Free cash flow, TTM
$28.79M
EPS, diluted, TTM
$2.01
EPS growth, YoY
+28.0%
Cash
$242.90M
P/E
7.43
P/S
2.18
Market cap
$222.9M
Annual revenue$94.68M
FY2016FY2025
Annual net income$25.64M
FY2016FY2025
Annual free cash flow$23.36M
FY2016FY2025

OPBK revenue and earnings growth

OPBK revenueQ3 2026$27.50M

Quarter YoY
+12.4%
QoQ
+6.9%
FY YoY
+15.4%
5Y CAGR
+11.0%

OPBK revenue was $27.50M in fiscal Q3 2026 (ended Sep 30, 2026), up 12.4% from a year earlier and up 6.9% from the prior quarter. For the full fiscal 2025 it was $94.68M, up 15.4% from fiscal 2024. Compound annual growth was +11.0% over 5 years. It rose in 7 of the last 9 fiscal years. Fiscal 2025 is the highest of the 10 fiscal years on file.

OPBK net incomeQ3 2026$7.76M

Quarter YoY
+15.8%
QoQ
-2.7%
FY YoY
+21.7%
5Y CAGR
+14.3%

OPBK net income was $7.76M in fiscal Q3 2026 (ended Sep 30, 2026), up 15.8% from a year earlier and down 2.7% from the prior quarter. For the full fiscal 2025 it was $25.64M, up 21.7% from fiscal 2024. Compound annual growth was +14.3% over 5 years. It rose in 6 of the last 9 fiscal years.

OPBK EPSQ3 2026$0.52

Quarter YoY
+15.6%
QoQ
-1.9%
FY YoY
+23.7%
5Y CAGR
+15.1%

OPBK diluted EPS was $0.52 in fiscal Q3 2026 (ended Sep 30, 2026), up 15.6% from a year earlier and down 1.9% from the prior quarter. For the full fiscal 2025 it was $1.72, up 23.7% from fiscal 2024. Compound annual growth was +15.1% over 5 years.

OPBK free cash flowQ3 2026$25.17M

Quarter YoY
+7.6%
FY YoY
-21.3%

OPBK free cash flow was $25.17M in fiscal Q3 2026 (ended Sep 30, 2026), up 7.6% from a year earlier. For the full fiscal 2025 it was $23.36M, down 21.3% from fiscal 2024. It rose in 0 of the last 3 fiscal years.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$94.68M$82.03M$82.87M$94.53M$77.04M$56.13M$55.70M$50.29M$44.70M$37.34M
Interest expense--$52.98M$11.30M$3.13M$8.29M$14.51M$9.11M$4.57M$3.37M
Pre-tax income$35.33M$29.08M$33.49M$46.72M$40.66M$18.23M$22.08M$19.46M$17.13M$12.32M
Income tax$9.69M$8.01M$9.57M$13.41M$11.82M$5.11M$5.32M$5.20M$7.89M$4.89M
Net income$25.64M$21.07M$23.92M$33.31M$28.84M$13.13M$16.76M$14.25M$9.24M$7.42M
EPS, basic$1.72$1.39$1.55$2.15$1.89$0.85$1.04$0.92$0.68$0.55
EPS, diluted$1.72$1.39$1.55$2.14$1.88$0.85$1.03$0.89$0.66$0.53
Diluted shares14.9M14.9M15.2M15.2M15.2M15.2M15.9M15.6M13.5M13.2M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents$167.31M$134.94M$91.22M$82.97M$115.46M$106.31M$85.94M$77.63M$63.25M$20.13M
Total assets$2.65B$2.37B$2.15B$2.09B$1.73B$1.37B$1.18B$1.04B$901.00M-
Total liabilities$2.42B$2.16B$1.96B$1.92B$1.56B$1.22B$1.04B$914.40M$809.52M-
Shareholders' equity$227.89M$204.99M$192.63M$176.92M$165.22M$143.37M$140.58M$129.79M$91.48M$81.28M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow$26.16M$31.24M$67.76M$83.73M-$28.28M-$4.85M$18.98M$30.61M-$2.15M$10.58M
Capital expenditures$2.80M$1.56M$2.18M$1.41M$1.13M$619.0K$1.74M$1.20M$421.0K$259.0K
Free cash flow$23.36M$29.68M$65.57M$82.32M-$29.40M-$5.47M$17.24M$29.41M-$2.57M$10.32M
Investing cash flow-$243.01M-$187.32M-$75.89M-$461.78M-$286.04M-$147.07M-$118.03M-$146.28M-$81.68M-$160.07M
Financing cash flow$249.22M$199.80M$16.37M$345.56M$323.47M$172.29M$107.36M$130.15M$126.95M$132.22M
Dividends paid$7.13M$7.14M$7.27M$6.68M$5.13M$4.26M$3.15M---
Share repurchases$706.0K$2.74M$3.93M$0$28.0K$8.10M$5.39M---
Stock-based compensation$699.0K$1.18M$1.30M$1.18M$558.0K$1.10M$1.47M$969.0K$668.0K$1.21M
Depreciation and amortization$7.26M$4.65M$4.47M$1.37M$1.31M$1.30M$1.15M$1.04M$1.01M$1.08M

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY15.4%-1.0%-12.3%22.7%37.2%0.8%10.8%12.5%19.7%-
Net income growth, YoY21.7%-11.9%-28.2%15.5%119.7%-21.7%17.6%54.3%24.4%-
EPS growth, YoY23.7%-10.3%-27.6%13.8%121.2%-17.5%15.7%34.8%24.5%-
Net margin27.1%25.7%28.9%35.2%37.4%23.4%30.1%28.3%20.7%19.9%
Free cash flow margin24.7%36.2%79.1%87.1%-38.2%-9.7%31.0%58.5%-5.7%27.6%
Return on equity11.2%10.3%12.4%18.8%17.5%9.2%11.9%11.0%10.1%9.1%
Return on assets1.0%0.9%1.1%1.6%1.7%1.0%1.4%1.4%1.0%-

Source: XBRL data OP Bancorp files with the SEC, latest filing dated Nov 6, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

OPBK peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
OPBK$102.06M+11.2%$30.01M29.4%$222.9M
JPM$203.15B+13.2%$65.98B32.5%$908.43B
BAC$120.16B+5.4%$32.24B26.8%$348.81B
WFC$87.23B+5.4%$22.97B26.3%$256.63B
C$85.22B+5.6%$14.31B16.8%$201.89B
UBS$49.57B+2.0%$7.80B15.7%$151.93B
MFG¥8.79T+7.6%¥1.16T13.2%$122.19B
COF$63.01B+31.2%$10.87B17.2%$119.45B
BNSC$37.74B+12.1%C$7.79B20.6%$114.51B

OPBK FAQ

8 questions
  • What is OPBK revenue?
    OP Bancorp (OPBK) reported $102.06M of revenue for the twelve months ended Sep 30, 2026. That is up 11.2% from the year before. Revenue for fiscal 2025 was $94.68M.
  • Is OPBK profitable?
    Yes. OP Bancorp earned $30.01M in net income for the twelve months ended Sep 30, 2026, a net margin of 29.4%.
  • How much cash and debt does OPBK have?
    OP Bancorp reported $242.90M in cash and cash equivalents on its most recent balance sheet in SEC filings.
  • How fast is OPBK revenue growing?
    OP Bancorp's revenue changed +15.4% in fiscal 2025, to $94.68M. Its compound annual growth rate was +11.0% over 5 years.
  • What is OPBK free cash flow?
    OP Bancorp generated $28.79M of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $29.35M less capital expenditures.
  • What is OPBK earnings per share?
    Diluted earnings per share were $2.01 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did OPBK last report financial results?
    The latest statements here come from OP Bancorp's 10-Q filed on Nov 6, 2026, covering the period ended Sep 30, 2026.
  • Where does this OPBK financial data come from?
    Quantisnow builds these statements from the structured XBRL data OP Bancorp files with the SEC. It is provided for information only and is not investment advice.