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Friday 6 November 2026 Export OPBK’s income statement to Excel — free account

OP Bancorp

OPBK Financial Banks Regional

OP Bancorp’s revenue for fiscal 2025 (year ended December 2025) was $166.7 million, up 8.19% from fiscal 2024.

Revenue
+5.31%
EPS
+28.6%
Free cash flow
+3.10%
Total debt
+99.3%

Quarter to June 2026, against a year earlier

14.80 0.60 −3.90%
Market cap
$220.6M
P/E
7.6×
Fwd P/E
7.4×
Dividend yield
3.65%
F-score
8/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Sold, $m 0.32
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell — — — 1 — — 1 — — — — —
Insider Ownership 19.75%

Capital & Financial Ratios $m

Size
Market Cap 220.55
Revenue ttm 171.77
Net income ttm 28.95
Free cash flow ttm 27.01
Net debt Q (75.42)
Valuation
P/E 7.59
Forward P/E 7.41
Price / sales 1.28
Forward P/S Powerpack
Price / FCF 8.17
Price / book 0.92
Financial health
Current ratio Q 1.02
Debt / equity Q 0.42
Interest coverage Q —
Growth
Revenue growth Q +5.31% (above 0%: growing)
Operating income growth Q +30.74% (above 0%: growing)
EPS, this year +18.08% (at or above 15%: strong)
EPS, next year A +1.57%
Revenue, next year A −37.24% (below 0%: weak)
EPS, past 5 yrs +15.14% (at or above 15%: strong)
EPS, next 5 yrs A +8.24%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 37.86%
10-year low 10-year high
P/S against its own 10 years 29.45%
10-year low 10-year high
P/B against its own 10 years 34.88%
10-year low 10-year high

Dividends

Yield
3.65%
Annual rate
0.54
Payout ratio
28.0%
Growth, 2019–26
+15.2%/yr
  1. 0.20 ’19
  2. 0.28 ’20 +40
  3. 0.31 ’21 +11
  4. 0.44 ’22 +42
  5. 0.48 ’23 +9
  6. 0.48 ’24 +0
  7. 0.48 ’25 +0
  8. 0.54 ’26 +13
paid change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 91 135 167 175
Receivables — — — —
Inventory — — — —
Other — — — —
1,845 2,081 2,355 2,437
2023 2024 2025 Q'26
Payables 1,808 2,027 2,281 2,368
ST’ Debt — — — —
Other — — — —
1,820 2,043 2,295 2,384

Compound Annual Growth %

10y 5y 3y
Sales 17.52% 20.94% 16.34%
Cash Flow 11.32% 0.00% (32.14%)
Earnings 16.53% 14.67% (7.70%)
Book Value 0.00% 9.71% 8.81%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.53 Actual 0.52

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 0.52 0.47 Miss by 0.05
Q1 FY26 0.41 0.48 Beat by 0.07
Q2 FY26 0.46 0.53 Beat by 0.07
Q3 FY26 0.53 0.52 Miss by 0.01
Q4 FY26 0.52 — Reports 28 January 2027

EPS $

Mar Jun Sep Dec Year
’26 0.48 0.53 — — —
’25 0.37 0.42 0.45 0.47 1.72
’24 0.34 0.36 0.36 0.33 1.39
’23 0.48 0.39 0.33 0.34 1.55
’22 0.53 0.54 0.55 0.51 2.14
’21 0.33 0.42 0.54 0.59 1.88
’20 0.21 0.16 0.23 0.25 0.85
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 43 44 — — —
’25 40 42 43 43 167
’24 36 39 40 39 154
’23 33 34 34 35 136
’22 22 26 28 30 106
’21 17 18 21 25 80
’20 17 15 16 17 64
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 8 (7) — — —
’25 6 (7) 24 4 26
’24 (3) 16 13 5 31
’23 45 9 15 (1) 68
’22 13 22 46 3 84
’21 5 (34) (23) 24 (28)
’20 2 (4) (24) 21 (5)
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 8 (7) — — —
’25 4 (8) 23 3 23
’24 (3) 16 13 4 30
’23 44 8 15 (2) 66
’22 12 22 46 3 82
’21 5 (34) (24) 23 (29)
’20 2 (5) (24) 21 (5)
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 41 49 59 70 64 80 106 136 154 167 172 +17.0% 105 112 118 (10.8%)
Gross margin, % 91.72 90.72 84.66 79.34 87.13 96.09 89.32 61.00 53.25 56.81 57.65 (34.9) pt
EBT 12 17 19 22 18 41 47 33 29 35 40 +12.4%
EBT margin, % 30.26 34.76 32.76 31.45 28.30 50.71 44.15 24.65 18.88 21.20 23.37 (9.1) pt
Net income 7 9 14 17 13 29 33 24 21 26 29 +14.8%
Per share, $
Per share, $ Revenue 3.18 3.77 3.93 4.46 4.24 5.31 6.98 8.97 10.36 11.21 11.53 +15.0%
Earnings 0.58 0.71 0.92 1.04 0.85 1.89 2.15 1.55 1.39 1.72 1.95 +12.8%
Cash flow 0.83 (0.16) 2.03 1.21 (0.32) (1.87) 5.52 4.47 2.10 1.76 1.87 +8.7%
Capex (0.02) (0.03) (0.08) (0.11) (0.04) (0.07) (0.09) (0.14) (0.10) (0.19) (0.06) +28.1%
Free cash flow 0.81 (0.20) 1.95 1.10 (0.36) (1.95) 5.43 4.33 2.00 1.57 1.81 +7.7%
Book value 6.36 7.00 8.59 8.93 9.43 10.95 11.66 12.71 13.78 15.32 16.01 +10.3%
Shares, m 13 13 15 16 15 15 15 15 15 15 15 +1.7%
Valuation, ×
Valuation, × P/E 13.83 13.83 9.64 9.88 9.06 6.75 5.21 7.15 11.37 8.26 7.59 9.5
P/S 0.00 2.59 2.26 2.33 1.82 2.40 1.61 1.23 1.53 1.26 1.28 1.7
P/B 0.00 1.40 1.03 1.16 0.82 1.17 0.97 0.87 1.15 0.92 0.92 0.9
EV/Sales 0.00 1.82 1.37 1.24 0.24 1.02 0.92 1.33 1.27 0.85 — 1.0
EV/FCF 0.00 (41.71) 2.76 5.07 (2.87) (2.79) 1.19 2.75 6.58 6.09 — (2.3)
Cash, $m
Cash, $m Operating cash flow 11 (2) 31 19 (5) (28) 84 68 31 26 28 +10.6%
Capex 0 0 (1) (2) (1) (1) (1) (2) (2) (3) (1) +30.3%
Free cash flow 10 (3) 29 17 (5) (29) 82 66 30 23 27 +9.5%
Balance, $m
Balance, $m Working capital 28 47 40 48 20 (27) (95) 25 37 60 53 +8.8%
Net debt (10) (38) (78) (76) (101) (115) (83) 14 (40) (68) (75) +23.5%
Shareholders’ equity 81 91 130 141 143 165 177 193 205 228 239 +12.1%
Returns, %
Returns, % ROA 1.85 1.07 1.42 1.47 1.02 1.84 1.71 1.11 0.92 1.02 1.09 (0.8) pt
ROIC 10.82 20.11 23.36 21.34 27.10 51.06 31.09 10.14 11.01 13.79 15.37 +3.0 pt
ROE 8.13 10.27 12.50 12.11 9.11 18.48 19.06 12.69 10.41 11.84 12.83 +3.7 pt
People
People Employees — 1,290 154 168 173 193 221 222 231 249 — (18.6%)
Revenue/emp, $m 0.00 0.04 0.39 0.42 0.37 0.42 0.48 0.61 0.67 0.67 — n/m
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

OP Bancorp vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
CMTV Community Bancorp. $248.3M 14.1× — +8.55% (above 0%: growing) +16.67% (above 0%: growing) +17.48% (above 0%: growing) 73.88% 0.00% Compare
PEBK Peoples Bancorp of North Carolina, Inc. $236.0M 10.4× 11.8× +1.75% (above 0%: growing) +53.76% (above 0%: growing) +91.79% (above 0%: growing) 80.53% 0.00% Compare
CFBK CF Bankshares Inc. $234.1M 11.9× 9.6× −0.68% (below 0%: shrinking) +18.18% (above 0%: growing) −35.84% (below 0%: shrinking) 52.15% 0.00% Compare
CZWI Citizens Community Bancorp, Inc. $227.4M 18.2× 15.0× −2.75% (below 0%: shrinking) −66.67% (below 0%: shrinking) +1,134.94% (above 0%: growing) 65.38% 0.00% Compare
OVBC Ohio Valley Banc Corp. $227.2M 16.0× 11.0× +11.63% (above 0%: growing) −30.34% (below 0%: shrinking) −91.53% (below 0%: shrinking) 69.70% 0.00% Compare
INBK First Internet Bancorp $225.1M 15.1× 11.6× +49.36% (above 0%: growing) n/m −20.56% (below 0%: shrinking) 49.24% 0.00% Compare
GBFH GBank Financial Holdings Inc. $224.3M 12.0× 12.8× +22.90% (above 0%: growing) +15.15% (above 0%: growing) +3,151.19% (above 0%: growing) 68.86% 0.00% Compare
OPBK OP Bancorp $220.6M 7.6× 7.4× +5.31% (above 0%: growing) +28.57% (above 0%: growing) +3.10% (above 0%: growing) 58.66% 0.00%
FCAP First Capital, Inc. $207.3M 11.2× — (loss-making) +11.02% (above 0%: growing) +26.55% (above 0%: growing) +2.66% (above 0%: growing) 80.17% 0.00% Compare
Median of peers $227.3M 13.1× 11.7× +9.79% +16.67% +10.07% 69.28% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 16 April 2026

Ownership

Directors and executive officers, together 9.56%
Brian Choi (Former Director) 8.69%
Manulife Financial Corporation 5.96%
Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

OP Bancorp (OPBK) Latest News

22 Oct

Impact 3 · · Associated Press
Impact 3 · · Business Wire

21 Oct

Impact 3 · · Zacks
Impact 3 · · Zacks

5 Oct

Impact 3 · · Zacks

23 Jul

Impact 3 ·
Impact 3 ·

23 Apr

Impact 3 · · Business Wire

22 Jan

Impact 4 ·
Impact 3 · · Business Wire

19 Dec

Impact 3 · · ZacksZacksSimply Wall St.ZacksZacksZacksZacksZacks

5 Dec

Impact 4 · · Simply Wall St.

3 Dec

Impact 4 · · Zacks

19 Nov

Impact 3 · · Zacks

10 Nov

Impact 3 · · Business WireMT NewswiresAssociated Press FinanceMT NewswiresMT NewswiresMT NewswiresSimply Wall St.StockStory

30 Oct

Impact 4 · · Zacks

25 Oct

Impact 4 · · Simply Wall St.Simply Wall St.

23 Oct

Impact 3 · · Associated Press FinanceAssociated Press FinanceAssociated Press FinanceAssociated Press FinanceAssociated Press FinanceAssociated Press Finance
Impact 3 · · Business Wire

13 Sep

Impact 3 · · Simply Wall St.Simply Wall St.Simply Wall St.Simply Wall St.Simply Wall St.Simply Wall St.Simply Wall St.Simply Wall St.

28 Aug

Impact 3 · · Business Wire

26 Aug

Impact 3 · · Zacks

8 Aug

Impact 4 ·

3 Aug

Impact 3 · · Simply Wall St.

27 Jul

Impact 4 ·

25 Jul

Impact 3 · · Associated Press Finance

24 Jul

Impact 3 ·

21 Jul

Impact 4 ·

7 Jul

Impact 4 ·

1 Jul

Impact 4 ·
stockrow.com/OPBK · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com