OP Bancorp
OP Bancorp
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Financial Statements
Values in Millions ($) | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Financial statements beyond 3 years are for subscribers only. Unlock 17+ years of income statements, balance sheets, and cash flow statements Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Cash And Due From Banks | 22 | 13 | 11 | 11 | 17 | - | 12 | - | - | - | - | - | |||||
Interest Bearing Deposits In Banks | 153 | 147 | 156 | 156 | 189 | - | 123 | - | - | - | - | - | |||||
Cash And Cash Equivalents At Carrying Value | 175 | 160 | 167 | 167 | 205 | 199 | 135 | 167 | 128 | 139 | 91 | 106 | |||||
Available For Sale Securities Debt Securities | - | - | - | - | - | 182 | 186 | 199 | 199 | 187 | 194 | 191 | |||||
Debt Securities Available For Sale Excluding Accru… | 203 | 209 | 193 | 201 | 175 | - | 186 | - | - | - | - | - | |||||
Other Investments | 19 | 17 | 17 | 17 | 17 | 17 | 16 | 17 | 16 | 16 | 16 | 16 | |||||
Loans Receivable Held For Sale Net Not Part Of Dis… | 21 | 9 | 11 | 6 | 20 | 5 | 5 | 8 | 6 | 16 | 2 | 0 | |||||
Assets | |||||||||||||||||
Assets | 2,744 | 2,699 | 2,650 | 2,614 | 2,564 | 2,513 | 2,366 | 2,388 | 2,291 | 2,235 | 2,148 | 2,143 | |||||
Notes Receivable Net | - | - | - | - | - | - | - | - | 1,847 | 1,783 | 1,744 | 1,738 | |||||
Financing Receivable Excluding Accrued Interest Af… | - | 2,206 | 2,166 | 2,124 | 2,045 | 2,019 | 1,932 | 1,908 | - | - | 1,744 | - | |||||
Property Plant And Equipment Net | 5 | 6 | 6 | 7 | 7 | 7 | 5 | 5 | 5 | 5 | 5 | 5 | |||||
Interest Receivable | 10 | 11 | 10 | 10 | 10 | 10 | 9 | 9 | 9 | 8 | 8 | 8 | |||||
Servicing Asset | 10 | 10 | 10 | 10 | 11 | 11 | 11 | 11 | 11 | 11 | 12 | 12 | |||||
Bank Owned Life Insurance | 24 | 24 | 24 | 23 | 23 | 23 | 23 | 23 | 23 | 22 | 22 | 22 | |||||
Deferred Income Tax Assets Net | 12 | 12 | 12 | 12 | 13 | 13 | 15 | 12 | 14 | 14 | 13 | 15 | |||||
Other Real Estate And Foreclosed Assets | - | - | 0 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 0 | - | |||||
Operating Lease Right Of Use Asset | 8 | 8 | 9 | 9 | 10 | 7 | 7 | 8 | 8 | 9 | 8 | 9 | |||||
Other Assets | 26 | 26 | 25 | 26 | 26 | 20 | 20 | 20 | 23 | 22 | 31 | 20 | |||||
Liabilities And Stockhold… | |||||||||||||||||
Liabilities | |||||||||||||||||
Noninterest Bearing Deposit Liabilities | 552 | 547 | 521 | 544 | 566 | 553 | 505 | 562 | 518 | 539 | 523 | 606 | |||||
Interest Bearing Deposit … | |||||||||||||||||
Deposits | |||||||||||||||||
Deposits | 2,368 | 2,327 | 2,281 | 2,273 | 2,255 | 2,190 | 2,027 | 2,065 | 1,941 | 1,895 | 1,808 | 1,825 | |||||
Deposits Money Market Deposits And Negotiable Orde… | 427 | 399 | 388 | 403 | 431 | 385 | 329 | 343 | 332 | 328 | 399 | 349 | |||||
Time Deposits At Or Above F D I C Insurance Limit | 746 | 743 | 684 | 668 | 643 | 611 | 566 | 565 | 534 | 451 | 434 | 420 | |||||
Advances From Federal Home Loan Banks | 75 | 75 | 75 | 75 | 50 | 75 | 95 | 75 | 115 | 105 | 105 | 95 | |||||
Subordinated Debt | 25 | 25 | 25 | - | - | - | 0 | - | - | - | - | - | |||||
Interest Payable Current And Noncurrent | 16 | 15 | 15 | 16 | 16 | 15 | 16 | 19 | 16 | 12 | 13 | 14 | |||||
Operating Lease Liability | 10 | 11 | 11 | 12 | 12 | 9 | 8 | 8 | 9 | 10 | 9 | 10 | |||||
Other Liabilities | 12 | 13 | 16 | 17 | 17 | 14 | 15 | 17 | 14 | 18 | 21 | 15 | |||||
Liabilities | 2,506 | 2,466 | 2,422 | 2,393 | 2,350 | 2,303 | 2,161 | 2,184 | 2,095 | 2,040 | 1,955 | 1,958 | |||||
Preferred Stock Value | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Common Stock Value | 73 | 73 | 73 | 73 | 73 | 74 | 74 | 74 | 74 | 76 | 76 | 78 | |||||
Stockholders Equity | |||||||||||||||||
Additional Paid In Capital Common Stock | 12 | 12 | 12 | 12 | 11 | 11 | 12 | 12 | 11 | 11 | 11 | 11 | |||||
Stockholders Equity | 239 | 233 | 228 | 221 | 214 | 210 | 205 | 204 | 196 | 195 | 193 | 184 | |||||
Retained Earnings Accumulated Deficit | 165 | 159 | 153 | 148 | 143 | 139 | 135 | 132 | 128 | 124 | 121 | 117 | |||||
Accumulated Other Comprehensive Income Loss Net Of… | -11 | -11 | -10 | -11 | -14 | -14 | -15 | -13 | -17 | -17 | -15 | -21 | |||||
Liabilities And Stockholders Equity | 2,744 | 2,699 | 2,650 | 2,614 | 2,564 | 2,513 | 2,366 | 2,388 | 2,291 | 2,235 | 2,148 | 2,143 | |||||
Financing Receivable Allowance For Credit Loss Exc… | - | 28 | 28 | 27 | 26 | 25 | 25 | 23 | 23 | 22 | 22 | 22 | |||||
Unamortized Debt Issuance Expense | 0 | 0 | 0 | - | - | - | - | - | - | - | - | - | |||||
Preferred Stock No Par Value | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Preferred Stock Shares Authorized | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | |||||
Preferred Stock Shares Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Preferred Stock Shares Outstanding | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Common Stock No Par Value | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Common Stock Shares Authorized | 50 | 50 | 50 | 50 | 50 | 50 | 50 | 50 | 50 | 50 | 50 | 50 | |||||
Common Stock Shares Issued | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 15 | |||||
Shares Outstanding | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 15 | |||||
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Interactive Financial Visualizations
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Earnings Market Reaction
| Fiscal Year | Q1 1 Month | Q1 2 Month | Q1 3 Month | Q2 1 Month | Q2 2 Month | Q2 3 Month | Q3 1 Month | Q3 2 Month | Q3 3 Month | Q4 1 Month | Q4 2 Month | Q4 3 Month |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 3.29% | 10.83% | 14.20% | - | - | - | - | - | - | - | - | - |
| 2025 | -4.35% | 0.08% | 4.19% | 10.80% | 7.15% | 3.73% | 2.67% | 8.85% | 6.26% | 5.02% | 13.28% | 9.62% |
| 2024 | -1.91% | -4.42% | 19.18% | 0.08% | 0.65% | 19.92% | 5.15% | -6.71% | -20.48% | -2.76% | 10.93% | -0.05% |
| 2023 | - | - | - | -6.21% | -9.85% | -16.55% | 13.10% | 28.21% | 26.43% | - | - | - |
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Performance and Valuation Metrics
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Metrics | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Metric history beyond 3 years is for subscribers only. Unlock 17+ years of history across 90+ calculated metrics Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Leverage & Debt | |||||||||||||||||
| Interest Coverage TTM | -0.51 | -0.54 | -0.55 | -0.56 | -0.57 | -0.56 | -0.05 | 0.45 | 0.95 | 1.51 | 1.63 | 1.85 | |||||
Per Share Metrics | |||||||||||||||||
| Diluted EPS TTM | 1.94 | 1.83 | 1.72 | 1.58 | 1.50 | 1.44 | 1.42 | 1.44 | 1.41 | 1.44 | 1.58 | 1.77 | |||||
| Free Cash Flow Per Share TTM | 1.58 | 1.70 | 1.48 | 1.26 | 0.55 | 2.50 | 2.00 | 1.60 | 1.73 | 1.20 | 4.33 | 4.62 | |||||
| Dividend Per Share TTM | 0.50 | 0.48 | 0.48 | 0.36 | 0.36 | 0.48 | 0.48 | 0.48 | 0.48 | 0.48 | 0.48 | 0.48 | |||||
Margin Metrics | |||||||||||||||||
| Gross Profit Margin TTM | -3,259.54% | -2,620.40% | -2,146.57% | -1,832.68% | -1,766.77% | -1,887.37% | -2,108.28% | -2,711.12% | -2,865.12% | -2,917.35% | -2,899.53% | -2,136.97% | |||||
| Operating Profit Margin TTM | 1,854.46% | 1,408.06% | 1,102.59% | 875.38% | 784.25% | 808.44% | 891.72% | 1,042.09% | 1,149.07% | 1,300.69% | 1,577.53% | 1,892.04% | |||||
| Net Profit Margin TTM | 1,337.37% | 1,023.96% | 800.09% | 635.40% | 575.78% | 586.54% | 646.09% | 746.05% | 825.98% | 932.67% | 1,126.61% | 1,357.71% | |||||
Growth Metrics | |||||||||||||||||
| Net Revenue Growth (1Y) | -44.10% | -26.91% | -1.75% | 30.09% | 52.66% | 57.49% | 53.60% | 44.57% | 37.06% | 35.89% | 26.75% | 17.80% | |||||
| Net Income Growth (1Y) | 29.84% | 27.59% | 21.67% | 10.80% | 6.42% | -0.96% | -11.91% | -20.56% | -30.85% | -33.90% | -28.20% | -22.20% | |||||
| EPS Growth (1Y) | 29.46% | 27.31% | 21.67% | 10.25% | 6.48% | -0.06% | -10.27% | -18.84% | -29.50% | -32.61% | -28.09% | -21.87% | |||||
Valuation Metrics | |||||||||||||||||
| P/E TTM | 7.65 | 7.12 | 7.97 | 8.48 | 8.27 | 7.90 | 10.48 | 8.10 | 6.28 | 6.31 | 6.25 | 4.59 | |||||
| P/B TTM | 0.93 | 0.84 | 0.90 | 0.90 | 0.86 | 0.80 | 1.08 | 0.85 | 0.67 | 0.70 | 0.78 | 0.67 | |||||
| P/S TTM | 102.27 | 72.90 | 63.81 | 53.90 | 47.64 | 46.33 | 67.70 | 60.43 | 51.85 | 58.87 | 70.37 | 62.35 | |||||
| Market Cap | 221.42M | 194.42M | 204.44M | 199.93M | 184.49M | 169.06M | 220.78M | 172.30M | 131.55M | 136.41M | 149.40M | 122.96M | |||||
| Enterprise Value | 46.37M | 34.16M | 37.13M | 33.18M | -20.90M | -29.80M | 85.84M | 5.54M | 3.88M | -2.84M | 58.19M | 17.22M | |||||
Calculated Values | |||||||||||||||||
| Free Cash Flow TTM | 23.60M | 25.36M | 21.95M | 18.79M | 8.15M | 37.12M | 29.68M | 23.63M | 25.72M | 17.95M | 65.66M | 69.83M | |||||
| Net Debt | -175.05M | -160.26M | -167.31M | -166.75M | -205.39M | -198.86M | -134.94M | -166.76M | -127.68M | -139.25M | -91.22M | -105.74M | |||||
Per-Share and Margin | |||||||||||||||||
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Turnover Ratios and Averages | |||||||||||||||||
| Average Assets | |||||||||||||||||
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| Inventory Turnover TTM | |||||||||||||||||
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| Working Capital to Revenue | |||||||||||||||||
| Deferred Revenue to Revenue | |||||||||||||||||
Growth Rates | |||||||||||||||||
| Total Assets Growth (1Y) | |||||||||||||||||
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| Dividends Paid Growth (1Y) | |||||||||||||||||
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| Dividends Paid Growth (5Y) | |||||||||||||||||
| EPS Growth (3Y) | |||||||||||||||||
| EPS Growth (5Y) | |||||||||||||||||
| Net Income Growth (3Y) | |||||||||||||||||
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| Net Profit Margin Growth (1Y) | |||||||||||||||||
| Net Profit Margin Growth (3Y) | |||||||||||||||||
| Net Profit Margin Growth (5Y) | |||||||||||||||||
| Net Revenue Growth (3Y) | |||||||||||||||||
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| Deferred Revenue Growth (1Y) | |||||||||||||||||
| Retained Earnings Growth (1Y) | |||||||||||||||||
Credit, Liquidity, Returns, Payout | |||||||||||||||||
| Cash Ratio | |||||||||||||||||
| Net Working Capital | |||||||||||||||||
| Debt to EBITDA TTM | |||||||||||||||||
| Net Debt to EBITDA TTM | |||||||||||||||||
| Net Debt to Equity | |||||||||||||||||
| Altman A | |||||||||||||||||
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| Altman C | |||||||||||||||||
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| ROA TTM | |||||||||||||||||
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| NOPAT TTM | |||||||||||||||||
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| Effective Tax Rate TTM | |||||||||||||||||
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| Dilution Ratio | |||||||||||||||||
| Retained Earnings to Equity | |||||||||||||||||
| Treasury Stock to Equity | |||||||||||||||||
| Treasury Stock Change (1Y) | |||||||||||||||||
| Accrued to Current Liabilities | |||||||||||||||||
| NCAV | |||||||||||||||||
| NCAV Per Share TTM | |||||||||||||||||
Valuation Ratios | |||||||||||||||||
| P/CF TTM | |||||||||||||||||
| PEG Ratio | |||||||||||||||||
| Dividend Yield TTM | |||||||||||||||||
| Free Cash Flow Yield TTM | |||||||||||||||||
| EV EBITDA TTM | |||||||||||||||||
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| Total Debt | |||||||||||||||||
| Invested Capital | |||||||||||||||||
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Insider Transactions
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Institutional Ownership
OP Bancorp (OPBK) — SEC Financial Statements & Analysis
OP Bancorp (OPBK) is a state commercial banks company, incorporated in CA. OP Bancorp trades on Nasdaq as: OPBK. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), OP Bancorp reported a -44.10% year-over-year revenue growth, a Gross Profit Margin of -3259.54% (TTM), a Price-to-Sales (P/S) ratio of 102.27x (TTM), a Price-to-Book (P/B) ratio of 0.93x (TTM), at a market cap of $221.42M. Figures below are sourced from SEC EDGAR, as-filed.
- Net Revenue TTM Growth 1Y
- -44.10%
- Gross Profit Margin TTM
- -3259.54%
- P/S TTM
- 102.27x
- P/B TTM
- 0.93x
- Market Cap
- $221.42M
Data as of 2026-06-30 · Source: SEC EDGAR
Frequently Asked Questions
What industry is OP Bancorp in?
OP Bancorp (OPBK) operates in the State Commercial Banks industry.
What is OPBK's market cap?
OP Bancorp (OPBK) has a market capitalization of $221.42M as of 2026-06-30.
What is OPBK's P/E ratio?
OP Bancorp (OPBK)'s trailing twelve month P/E ratio is 7.65x as of 2026-06-30.
What exchange does OPBK trade on?
OP Bancorp (OPBK) trades on the Nasdaq.
Where is OP Bancorp incorporated?
OP Bancorp is incorporated in CA.