Saturday 17 October 2026 Export OPBK’s income statement to Excel — free account

OP Bancorp

OP Bancorp’s revenue for fiscal 2025 (year ended December 2025) was $166.7 million, up 8.19% from fiscal 2024. In the quarter to June 2026, revenue grew 5.31%, EPS grew 28.6%, free cash flow grew 3.10% and total debt rose 99.3%, each against the same quarter a year earlier. Dividend growth for five consecutive years, revenue growth for five.

14.75 0.10 −0.67%

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Market cap: $221.8M
P/E: 7.6×
Fwd P/E: 7.5×
Dividend yield: 3.53%
F-score: 8/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total sells 0.32

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	—	—	—	—	—	—
Sell	—	—	—	—	1	—	—	1	—	—	—	—

Insider Ownership 19.75%

Capital & Financial Ratios $m

Market Cap 221.75

Revenue 171.77

Net Income 28.95

Free Cash Flow 27.01

Net Debt (75.42)

Current Ratio 1.02

Debt/Equity 0.42

P/E ratio 7.56

Fwd P/E 7.53

P/S ratio 1.28

P/B ratio 0.92

Past 5Y EPS Growth 15.14%

This Y EPS Growth 16.86%

Next Y EPS Growth 1.74%

Next Y revenue growth (37.72%)

Next 5Y EPS Growth 4.80%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 37.56%

10-year low 10-year high

P/S against its own 10 years 28.91%

10-year low 10-year high

P/B against its own 10 years 34.33%

10-year low 10-year high

Dividends

Payout Ratio 0.27

Annual Dividend Rate 0.52

Annual Dividend Yield 3.53%

	total	individual payouts
2028	Powerpack
2027	Powerpack
2026	0.56	0.12 0.14 0.14
2025	0.48	0.12 0.12 0.12 0.12
2024	0.48	0.12 0.12 0.12 0.12
2023	0.48	0.12 0.12 0.12 0.12
2022	0.44	0.10 0.10 0.12 0.12
2021	0.31	0.07 0.07 0.07 0.10
2020	0.28	0.07 0.07 0.07 0.07
2019	0.20	0.05 0.05 0.05 0.05
2018	Powerpack

predictions special payouts not included in total or ratios

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%

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.

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.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	5.64	6.95	8.07	8.10	5.54	7.40	10.25	7.50	8.91	10.43	Analyst estimates 2026–2028 Powerpack
	High	7.70	9.95	14.10	11.00	10.72	14.00	14.86	11.87	18.57	16.07
People
People	Employees	—	1,290	154	168	173	193	221	222	231	249
	Revenue/emp, $m	0.00	0.04	0.39	0.42	0.37	0.42	0.48	0.61	0.67	0.67
Income, $m
Income, $m	Revenue	41	49	59	70	64	80	106	136	154	167
	Gross margin, %	91.72	90.72	84.66	79.34	87.13	96.09	89.32	61.00	53.25	56.81
	EBT	12	17	19	22	18	41	47	33	29	35
	EBT margin, %	30.26	34.76	32.76	31.45	28.30	50.71	44.15	24.65	18.88	21.20
	Net income	7	9	14	17	13	29	33	24	21	26
	Depreciation	3	3	4	1	2	1	2	4	5	7
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
	Earnings	0.58	0.71	0.92	1.04	0.85	1.89	2.15	1.55	1.39	1.72
	Cash flow	0.83	(0.16)	2.03	1.21	(0.32)	(1.87)	5.52	4.47	2.10	1.76
	Capex	(0.02)	(0.03)	(0.08)	(0.11)	(0.04)	(0.07)	(0.09)	(0.14)	(0.10)	(0.19)
	Free cash flow	0.81	(0.20)	1.95	1.10	(0.36)	(1.95)	5.43	4.33	2.00	1.57
	Book value	6.36	7.00	8.59	8.93	9.43	10.95	11.66	12.71	13.78	15.32
	Shares, m	13	13	15	16	15	15	15	15	15	15
Valuation, ×
Valuation, ×	P/E	13.83	13.83	9.64	9.88	9.06	6.75	5.21	7.15	11.37	8.26
	P/S	0.00	2.59	2.26	2.33	1.82	2.40	1.61	1.23	1.53	1.26
	P/B	0.00	1.40	1.03	1.16	0.82	1.17	0.97	0.87	1.15	0.92
	EV/Sales	0.00	1.82	1.37	1.24	0.24	1.02	0.92	1.33	1.27	0.85
	EV/FCF	0.00	(41.71)	2.76	5.07	(2.87)	(2.79)	1.19	2.75	6.58	6.09
Cash, $m
Cash, $m	Operating cash flow	11	(2)	31	19	(5)	(28)	84	68	31	26
	Capex	0	0	(1)	(2)	(1)	(1)	(1)	(2)	(2)	(3)
	Free cash flow	10	(3)	29	17	(5)	(29)	82	66	30	23
Balance, $m
Balance, $m	Working capital	28	47	40	48	20	(27)	(95)	25	37	60
	Total debt	10	25	—	10	5	—	—	105	95	100
	Net debt	(10)	(38)	(78)	(76)	(101)	(115)	(83)	14	(40)	(68)
	Shareholders’ equity	81	91	130	141	143	165	177	193	205	228
Returns, %
Returns, %	ROA	1.85	1.07	1.42	1.47	1.02	1.84	1.71	1.11	0.92	1.02
	ROIC	10.82	20.11	23.36	21.34	27.10	51.06	31.09	10.14	11.01	13.79
	ROE	8.13	10.27	12.50	12.11	9.11	18.48	19.06	12.69	10.41	11.84

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
PEBK Peoples Bancorp of North Carolina, Inc.	$241.2M	11.8×	11.8×	+0.90% (above 0%: growing)	+1.03% (above 0%: growing)	+10.02% (above 0%: growing)	80.61%	0.00%	Compare
CMTV Community Bancorp.	$234.3M	12.6×	—	+8.55% (above 0%: growing)	+16.67% (above 0%: growing)	+17.48% (above 0%: growing)	73.88%	0.00%	Compare
INBK First Internet Bancorp	$226.6M	— (loss-making)	11.4×	−1.30% (below 0%: shrinking)	+1,250.00% (above 0%: growing)	+126.71% (above 0%: growing)	48.20%	0.00%	Compare
OPBK OP Bancorp	$221.8M	7.6×	7.5×	+5.31% (above 0%: growing)	+28.57% (above 0%: growing)	+3.10% (above 0%: growing)	58.66%	0.00%
MRBK Meridian Bank	$219.6M	9.9×	9.5×	−3.50% (below 0%: shrinking)	−2.00% (below 0%: shrinking)	+88.96% (above 0%: growing)	64.49%	0.00%	Compare
CFBK CF Bankshares Inc.	$217.9M	11.5×	8.1×	−0.68% (below 0%: shrinking)	+18.18% (above 0%: growing)	−35.84% (below 0%: shrinking)	52.15%	0.00%	Compare
OVBC Ohio Valley Banc Corp.	$217.2M	15.3×	11.0×	+11.63% (above 0%: growing)	−30.34% (below 0%: shrinking)	−91.53% (below 0%: shrinking)	69.70%	0.00%	Compare
FCAP First Capital, Inc.	$206.0M	11.1×	— (loss-making)	+11.02% (above 0%: growing)	+26.55% (above 0%: growing)	+2.66% (above 0%: growing)	80.17%	0.00%	Compare
CZWI Citizens Community Bancorp, Inc.	$203.7M	16.2×	11.4×	−2.75% (below 0%: shrinking)	−66.67% (below 0%: shrinking)	+1,134.94% (above 0%: growing)	65.38%	0.00%	Compare
Median of peers	$218.7M	11.8×	11.2×	+0.11%	+8.85%	+13.75%	67.54%	0.00%

All 323 Banks Regional stocks →

OP Bancorp (OPBK) key facts

Strength: OP Bancorp’s revenue for fiscal 2025 (year ended December 2025) was $166.7 million, up 8.19% from fiscal 2024.
OP Bancorp (OPBK) is a Banks Regional company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, OPBK traded at $14.75, a market capitalization of $221.8 million.
OP Bancorp pays an annual dividend of $0.52 per share, a yield of 3.53%, with a payout ratio of 26.9%.
Return on equity was 11.8% and debt-to-equity 0.42.
Its Piotroski F-score is 8 out of 9 for fiscal 2025.