OP BANCORP financials

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SEC pipeline catching up: most recent reported quarter (2026-03-31) isn't incorporated yet — this page is anchored to 2025-12-31 (FY 2025 · 10-K). New filings land within a few weekday pipeline runs.
OPBK CIK 0001722010

Source: EDGAR filings · Built 2026-06-02T03:44:53Z

Key metrics by reporting period

Up to six most-recent periods side-by-side. Rows are the curated key lines — revenue, margins, cash, debt, equity, cash-flow totals, plus the derived and valuation metrics we compute on top. For every tag a filer reported in one period, use the single-filing drilldown below.

Derived Metrics

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Free Cash Flow 23.36M 29.68M 65.57M 82.32M -29.40M -5.47M
Net Debt -156.14M -127.09M -81.88M -72.76M -105.15M 390.78M
Net Margin 800.09% 646.09% 1126.61% 1988.66% 1846.35% 917.33%
Return on Equity (ROE) 11.25% 10.28% 12.42% 18.83% 17.46% 9.16%
Return on Assets (ROA) 0.97% 0.89% 1.11% 1.59% 1.67% 0.96%
Debt-to-Equity 0.05× 0.04× 0.05× 0.06× 0.06× 3.47×
Effective Tax Rate 27.44% 27.55% 28.58% 28.71% 29.06% 28.01%
Cash Conversion Ratio 1.02× 1.48× 2.83× 2.51× -0.98× -0.37×
Accruals Ratio -0.00× -0.00× -0.02× -0.02× 0.03× 0.01×
SBC % of Revenue 21.82% 36.28% 61.09% 70.39% 35.72% 77.01%
CapEx Coverage 9.34× 20.00× 31.02× 59.30× -25.14× -7.84×
Free Cash Flow Per Share $1.57 $2.00 $4.33 $5.40 $-1.94 $-0.36

Valuation Metrics

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
P/E Trailing (Diluted) 8.21× 11.37× 7.06× 5.21× 6.79× 9.06×
P/FCF 9.01× 7.92× 2.53× 2.06× — —
FCF Yield 11.10% 12.62% 39.50% 48.43% — —
P/S 65.62× 71.85× 77.37× 99.94× 123.66× 80.80×
P/B 0.92× 1.14× 0.85× 0.95× 1.17× 0.81×

Income Statement

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Revenue from Contract with Customer, Excluding Assessed Tax 3.20M 3.26M 2.12M 1.68M 1.56M 1.43M
Income Tax Expense (Benefit) 9.69M 8.01M 9.57M 13.41M 11.82M 5.11M
Net Income (Loss) Attributable to Parent 25.64M 21.07M 23.92M 33.31M 28.84M 13.13M
Earnings Per Share, Basic $1.72 $1.39 $1.55 $2.15 $1.89 $0.85
Weighted Average Number of Shares Outstanding, Basic 14.87M 14.87M 15.15M 15.17M 15.09M 15.20M
Earnings Per Share, Diluted $1.72 $1.39 $1.55 $2.14 $1.88 $0.85
Weighted Average Number of Shares Outstanding, Diluted 14.91M 14.87M 15.16M 15.23M 15.16M 15.22M

Balance Sheet

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Cash and Cash Equivalents, at Carrying Value 167.31M 134.94M 91.22M 82.97M 115.46M 106.31M
Assets 2.65B 2.37B 2.15B 2.09B 1.73B 1.37B
Liabilities 2.42B 2.16B 1.96B 1.92B 1.56B 1.22B
Stockholders' Equity Attributable to Parent 227.89M 204.99M 192.63M 176.92M 165.22M 143.37M
Common Stock, Shares, Outstanding 14.89M 14.82M 15.00M 15.00M 15.14M 15.02M

Cash Flow Statement

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Net Cash Provided by (Used in) Operating Activities 26.16M 31.24M 67.76M 83.73M -28.28M -4.85M
Payments to Acquire Property, Plant, and Equipment 2.80M 1.56M 2.18M 1.41M 1.13M 619.00K
Net Cash Provided by (Used in) Investing Activities -243.01M -187.32M -75.89M -461.78M -286.04M -147.07M
Payments for Repurchase of Common Stock 706.00K 2.74M 3.93M 0 28.00K 8.10M
Net Cash Provided by (Used in) Financing Activities 249.22M 199.80M 16.37M 345.56M 323.47M 172.29M

Raw XBRL tagging for a single filing

Every us-gaap and custom concept the filer tagged for one fiscal period, grouped by statement. Start here when a number in the trend table above surprises you and you want to see the exact tag behind it. Derived and valuation rows are omitted here because they already appear in the trend table.

Most recent filing shown by default.

Compare filings side-by-side

Diff any two filings with deltas and added / removed tags.

Immaterial rows are USD line items under 1% of the period's revenue — the noise floor below which a single tag rarely moves the investment thesis. Revenue is read from the filer's top-line concept (Revenues / RevenueFromContractWithCustomerExcludingAssessedTax, with a fallback chain). Non-USD rows, rows without a numeric value, and every row on a filing with no identifiable revenue anchor stay visible. Flip the switch off to see every tag the filer reported for the period.

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Methodology

All facts on this page come straight from SEC EDGAR XBRL company-facts filings (OPBK CIK 0001722010), grouped by financial statement using FASB's base us-gaap presentation taxonomy. Filers may re-parent concepts onto different statements in their own extension taxonomy, so a handful of rows can show up under a different statement than on the actual 10-K / 10-Q; custom concepts and any we couldn't map fall into Other. Hover a cell to see the fully-qualified concept name and the filer's description.

For the full methodology — statement grouping, the Other bucket, derived metrics, and fact tooltips — see the methodology reference for the statement grouping, the "Other" bucket, derived metrics, and fact tooltips.

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