OP Bancorp
OPBK Nasdaq· State Commercial Banks
Last close · Oct 26, 2026
$15.00
KIRA · Stoqly’s AI analyst, in plain words
- OP Bancorp had $3.2M of revenue in fiscal 2025, down 1.7% on the year before. Over five years, revenue changed +17.5% a year on average.
- OP Bancorp made $25.6M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 14.0% a year.
- OP Bancorp returned $7.8M to shareholders in fiscal 2025, 34% of free cash flow. The diluted share count rose 0.2%.
- It earned 11.8% on shareholders’ money. Running costs took 1,740.7% of revenue (the efficiency ratio; lower is better).
Market cap
$224M
P/E
7.7x
Revenue
$3.2M
Net income
$25.6M
Return on equity
11.8%
Efficiency ratio
1,740.7%
OP Bancorp in 30 seconds · fiscal 2025
Are sales growing?
−1.7%
No. Sales fell 1.7% last year.
Does it make a profit?
800.1%
Yes. It keeps 800.1% of every sale as profit.
How lean are its costs?
1,740.7%
Costly. Running costs take 1,740.7% of revenue.
How much does it earn on its capital?
11.8%
Fair. It earns 11.8% a year on shareholders’ money.
How is the share priced?
7.7x
One share costs 7.7 times its yearly profit per share.
What OP Bancorp does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 13, 2026
- Legal name
- OP Bancorp
- CIK
- 0001722010
OP Bancorp · OPBK
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $1.6M | $1.7M | $2.1M | $3.3M | $3.2M |
| Revenue growth | 9.2% | 7.2% | 26.7% | 53.6% | −1.7% |
| Net interest income | $61.0M | $76.9M | $68.7M | $65.6M | $78.3M |
| Net income | $28.8M | $33.3M | $23.9M | $21.1M | $25.6M |
| Net margin | 1,846.4% | 1,988.7% | 1,126.6% | 646.1% | 800.1% |
| Diluted EPS | $1.88 | $2.14 | $1.55 | $1.39 | $1.72 |
| Cash | |||||
| Cash from operations | −$28.3M | $83.7M | $67.8M | $31.2M | $26.2M |
| Capital expenditure | $1.1M | $1.4M | $2.2M | $1.6M | $2.8M |
| Free cash flow | −$29.4M | $82.3M | $65.6M | $29.7M | $23.4M |
| FCF margin | −1,882.4% | 4,914.7% | 3,088.7% | 910.2% | 729.1% |
| Dividends paid | $5.1M | $6.7M | $7.3M | $7.1M | $7.1M |
| Share buybacks | $0.0M | $0.0M | $3.9M | $2.7M | $0.7M |
| Share count change | −0.5% | 0.5% | −0.5% | −1.9% | 0.2% |
| Debt and strength | |||||
| Cash and short-term investments | $115M | $83.0M | $91.2M | $135M | $167M |
| Loans, net | — | — | $1.7B | $1.9B | $2.2B |
| Deposits | $1.5B | $1.9B | $1.8B | $2.0B | $2.3B |
| Shareholders' equity | $165M | $177M | $193M | $205M | $228M |
| Returns and quality | |||||
| Return on equity | 18.7% | 19.5% | 12.9% | 10.6% | 11.8% |
| Return on tangible equity | 17.3% | 18.4% | 12.2% | 10.1% | 11.2% |
| Efficiency ratio | 2,296.1% | 2,676.4% | 2,248.0% | 1,539.4% | 1,740.7% |
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$0.3M
2 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
OP Bancorp · OPBK
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $15.00 a share, the company is worth $224M: 7.7 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001722010). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.