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OP Bancorp

OPBK

$15.63 ▲ +0.01 (+0.06%) at close

11 Visible periods

34 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Excellent

Bullish

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Analytical Summary

OP Bancorp shows strong fundamentals with top-quartile Profit Margin (%) and Operating Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $232.5M

Dividend Yield 3.07%

Revenue Growth 15.4% ↗

Op. Margin 37.3% ↗

ROIC None

FCF / Share None

Trailing P/E 9.1x

Price / Book 1.0x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Aug 7, 2026.

11-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$94.68M

↑ +15.4% —

Net Income Profit after all expenses

$25.64M

↑ +21.7% —

Operating Margin Operating profit as % of sales

37.3%

↑ +5.3% 92th

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↓

Dividend History

Dividend / share · sourced from SEC filings

$0.48 Latest / share

+0.0% YoY

+11.4% 6-yr CAGR

FY 2015

FY 2016

FY 2017

FY 2018

FY 2019

$0.28

FY 2020

$0.34

FY 2021

$0.44

FY 2022

$0.48

FY 2023

$0.48

FY 2024

$0.48

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗
Revenue Growth YoY (%)	15.4% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+157%)	-1.0% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-117%)	-12.3% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-306%)	22.7% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+278%)	37.2% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+521%)	0.8% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-87%)	10.8% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+79%)	12.5% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+108%)	19.7% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+228%)	—	—
EPS Growth YoY (%)	23.7% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	-10.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-27.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	13.8% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	122.4% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-18.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	13.0% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	35.3% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	23.6% Good Good Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	21.7% Good ↑ Good Improving Year-over-year change in net income	-11.9% Weak ↓ Weak Declining Year-over-year change in net income	-28.2% Weak ↓ Weak Declining Year-over-year change in net income	15.5% Good ↓ Good Declining Year-over-year change in net income	119.7% Excellent ↑ Excellent Improving Year-over-year change in net income	-21.7% Weak ↓ Weak Declining Year-over-year change in net income	17.6% Good ↓ Good Declining Year-over-year change in net income	54.3% Excellent Excellent Year-over-year change in net income	24.4% Good Good Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	0.1% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	2.1% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	13.9% Good → Good Stable Compound annual revenue growth over 3 years	19.3% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	15.3% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	7.9% Fair Fair Compound annual revenue growth over 3 years	14.3% Good Good Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	11.0% Good → Good Stable Compound annual revenue growth over 5 years	8.1% Good ↓ Good Declining Compound annual revenue growth over 5 years	10.5% Good ↓ Good Declining Compound annual revenue growth over 5 years	16.2% Excellent Excellent Compound annual revenue growth over 5 years	15.6% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	-7.2% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-9.7% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	22.2% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	27.4% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	27.1% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	7.7% Fair Fair Compound annual EPS growth over 3 years	23.7% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗
Operating Margin (%) (%)	37.3% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+49%)	35.4% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+42%)	40.4% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+62%)	49.4% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+98%)	52.8% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+111%)	32.5% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+30%)	—	—	—	—	—
Effective Tax Rate (%) (%)	27.4% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	27.5% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	28.6% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	28.7% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	29.1% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	28.0% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—
Profit Margin (%) (%)	27.1% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+23%)	25.7% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+17%)	28.9% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+31%)	35.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+60%)	37.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+70%)	23.4% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+6%)	30.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+37%)	28.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+29%)	20.7% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-6%)	19.9% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-10%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.4% Weak Weak Operating profit relative to total assets Optimal: > 10%	1.0% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	11.2% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-6%)	10.3% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-14%)	12.4% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	18.8% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+57%)	17.5% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+45%)	9.2% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-24%)	11.9% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	11.0% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-8%)	10.1% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-16%)	9.1% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-24%)	—

⚖️ Is the balance sheet risky? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗
Revenue per Share (USD)	$6.37	$5.52	$5.47	$6.23	$5.11	$3.69	$3.54	$3.33	$3.42	$2.92	—
Basic EPS, GAAP (USD)	$1.72	$1.39	$1.55	$2.15	$1.89	$0.85	$1.04	$0.92	$0.68	$0.55	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.48	$0.48	$0.48	$0.44	$0.34	$0.28	—	—	—	—	—
Book Value per Share (USD)	$15.31	$13.83	$12.61	$11.79	$10.91	$9.55	$8.95	$8.18	$6.94	$6.36	—
Tangible Book Value per Share (USD)	$15.31	$13.83	$12.61	$11.79	$10.91	$9.55	$8.95	$8.18	$6.94	$6.36	—
Basic Weighted Avg Shares (shares)	14.87M	14.87M	15.15M	15.17M	15.09M	15.20M	15.74M	15.10M	13.06M	12.79M	—
Dividend Payout Ratio (%)	27.9% Excellent → Excellent Stable Dividends paid as a percentage of earnings Optimal: 30-60%	34.5% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	31.0% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	20.5% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	18.0% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	32.9% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$227.89M	$204.99M	$192.63M	$176.92M	$165.22M	$143.37M	$140.58M	$129.79M	$91.48M	$81.28M	$72.48M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗
Sales/Revenue/Turnover (USD)	$94.68M	$82.03M	$82.87M	$94.53M	$77.04M	$56.13M	$55.70M	$50.29M	$44.70M	$37.34M	—
Depreciation Expense (USD)	$1.40M	$1.40M	$1.30M	$1.40M	$1.30M	$1.30M	$1.10M	$1.00M	$1.01M	$940.00K	—
Net Income, GAAP (USD)	$25.64M	$21.07M	$23.92M	$33.31M	$28.84M	$13.13M	$16.76M	$14.25M	$9.24M	$7.42M	—
Operating Cash Flow (USD)	$26.16M	$31.24M	$67.84M	$83.73M	$-28.28M	$-4.85M	$18.79M	$30.61M	$-2.15M	$10.58M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗
Net Interest Margin (approx.) (%)	3.0%	2.8%	3.2%	3.7%	3.5%	3.3%	3.8%	3.9%	4.0%	—	—
Efficiency Ratio (%) (%)	58.9%	61.2%	57.6%	47.4%	46.6%	56.9%	58.4%	58.8%	58.7%	62.5%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 11 years · 39 quarters

OP Bancorp

Analytical Summary

11-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Dividend History

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