OPBK - OP Bancorp

📈 Is growth accelerating? 7 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Sep 30, 2018 10-Q ↗	Q2 FY2018 Jun 30, 2018 10-Q ↗	Q1 FY2018 Mar 31, 2018 10-Q ↗	Q4 FY2017 Dec 31, 2017 10-K ↗	Q3 FY2017 Sep 30, 2017 10-Q ↗	Q2 FY2017 Jun 30, 2017 10-Q ↗	Q1 FY2017 Mar 31, 2017 10-Q ↗	Q4 FY2016 Dec 31, 2016 10-K ↗	Q4 FY2015 Dec 31, 2015 10-K ↗
Revenue Growth YoY (%)	8.6% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+43%)	10.4% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+74%)	—	18.0% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+200%)	16.2% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+171%)	13.6% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+127%)	—	4.2% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-30%)	-2.3% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-138%)	-11.8% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-297%)	—	-20.9% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-448%)	-14.7% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-344%)	3.2% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-47%)	—	25.0% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+317%)	45.4% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+657%)	36.8% Excellent → Excellent Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+513%)	—	39.4% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+557%)	32.2% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+437%)	17.2% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+187%)	—	3.5% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-42%)	-8.1% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-234%)	-6.7% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-212%)	—	9.3% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+54%)	8.3% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+38%)	22.2% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+270%)	—	11.4% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+90%)	18.2% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+203%)	12.6% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+111%)	—	—	—	—	—	—
EPS Growth YoY (%)	28.6% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	32.4% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	42.4% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	25.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	16.7% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	8.8% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	-2.9% Weak ↑ Weak Improving Year-over-year change in earnings per share Optimal: > 10%	9.1% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	-7.7% Weak ↑ Weak Improving Year-over-year change in earnings per share Optimal: > 10%	-29.2% Weak ↑ Weak Improving Year-over-year change in earnings per share Optimal: > 10%	-34.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-41.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-29.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-9.4% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-13.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	3.7% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	31.0% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	60.6% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	140.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	134.8% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	162.5% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	57.1% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-3.8% Weak ↑ Weak Improving Year-over-year change in earnings per share Optimal: > 10%	-8.0% Weak ↑ Weak Improving Year-over-year change in earnings per share Optimal: > 10%	-33.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-27.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	8.3% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	13.6% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	0.0% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	26.1% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	71.4% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	10.0% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	33.3% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	43.8% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—	—	—	—	—
Net Income Growth YoY (%)	26.0% Excellent ↓ Excellent Declining Year-over-year change in net income	30.1% Excellent ↑ Excellent Improving Year-over-year change in net income	41.6% Excellent ↑ Excellent Improving Year-over-year change in net income	23.3% Good ↑ Good Improving Year-over-year change in net income	16.5% Good ↑ Good Improving Year-over-year change in net income	6.4% Fair ↑ Fair Improving Year-over-year change in net income	-3.9% Weak ↑ Weak Improving Year-over-year change in net income	6.2% Fair ↑ Fair Improving Year-over-year change in net income	-10.8% Weak ↑ Weak Improving Year-over-year change in net income	-30.6% Weak ↑ Weak Improving Year-over-year change in net income	-35.6% Weak ↓ Weak Declining Year-over-year change in net income	-40.8% Weak ↓ Weak Declining Year-over-year change in net income	-28.2% Weak ↓ Weak Declining Year-over-year change in net income	-7.6% Weak ↓ Weak Declining Year-over-year change in net income	-12.1% Weak ↓ Weak Declining Year-over-year change in net income	4.8% Caution ↓ Caution Declining Year-over-year change in net income	32.9% Excellent ↓ Excellent Declining Year-over-year change in net income	60.6% Excellent ↓ Excellent Declining Year-over-year change in net income	139.3% Excellent ↑ Excellent Improving Year-over-year change in net income	129.5% Excellent ↑ Excellent Improving Year-over-year change in net income	164.0% Excellent ↑ Excellent Improving Year-over-year change in net income	53.9% Excellent ↑ Excellent Improving Year-over-year change in net income	-8.7% Weak ↑ Weak Improving Year-over-year change in net income	-24.2% Weak ↓ Weak Declining Year-over-year change in net income	-49.0% Weak ↓ Weak Declining Year-over-year change in net income	-30.4% Weak ↓ Weak Declining Year-over-year change in net income	11.1% Fair ↓ Fair Declining Year-over-year change in net income	47.4% Excellent ↓ Excellent Declining Year-over-year change in net income	47.4% Excellent ↓ Excellent Declining Year-over-year change in net income	47.4% Excellent → Excellent Stable Year-over-year change in net income	98.2% Excellent ↑ Excellent Improving Year-over-year change in net income	17.9% Good ↓ Good Declining Year-over-year change in net income	30.6% Excellent Excellent Year-over-year change in net income	49.9% Excellent Excellent 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	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	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 (%)	7.2% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	3.4% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	—	-0.9% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-1.0% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	1.1% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	—	1.0% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	6.6% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	7.6% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	—	11.3% Good ↓ Good Declining Compound annual revenue growth over 3 years	18.0% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	18.3% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	—	21.7% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	20.9% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	14.4% Good ↑ Good Improving Compound annual revenue growth over 3 years	—	16.4% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	9.6% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	10.1% Good ↑ Good Improving Compound annual revenue growth over 3 years	—	8.0% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	5.6% Fair Fair Compound annual revenue growth over 3 years	8.7% Fair Fair Compound annual revenue growth over 3 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Revenue CAGR 5Y (%)	8.9% Good ↓ Good Declining Compound annual revenue growth over 5 years	9.3% Good ↓ Good Declining Compound annual revenue growth over 5 years	—	11.1% Good ↓ Good Declining Compound annual revenue growth over 5 years	13.3% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	10.6% Good ↑ Good Improving Compound annual revenue growth over 5 years	—	8.3% Good ↑ Good Improving Compound annual revenue growth over 5 years	8.1% Good → Good Stable Compound annual revenue growth over 5 years	6.4% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	—	9.3% Good ↓ Good Declining Compound annual revenue growth over 5 years	10.3% Good ↓ Good Declining Compound annual revenue growth over 5 years	13.5% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	—	17.0% Excellent → Excellent Stable Compound annual revenue growth over 5 years	17.7% Excellent Excellent Compound annual revenue growth over 5 years	15.5% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
EPS CAGR 3Y (%)	11.5% Good ↑ Good Improving Compound annual EPS growth over 3 years	0.7% Caution ↑ Caution Improving Compound annual EPS growth over 3 years	-3.3% Weak ↑ Weak Improving Compound annual EPS growth over 3 years	-7.0% Weak ↑ Weak Improving Compound annual EPS growth over 3 years	-8.6% Weak ↑ Weak Improving Compound annual EPS growth over 3 years	-11.3% Weak ↑ Weak Improving Compound annual EPS growth over 3 years	-18.1% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-12.6% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-5.0% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	1.0% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	10.8% Good ↓ Good Declining Compound annual EPS growth over 3 years	12.8% Good ↓ Good Declining Compound annual EPS growth over 3 years	34.6% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	31.7% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	26.0% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	30.8% Excellent → Excellent Stable Compound annual EPS growth over 3 years	31.8% Excellent → Excellent Stable Compound annual EPS growth over 3 years	22.3% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	35.7% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	34.9% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	20.5% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	12.8% Good ↑ Good Improving Compound annual EPS growth over 3 years	21.3% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	4.8% Caution ↑ Caution Improving Compound annual EPS growth over 3 years	-3.9% Weak Weak Compound annual EPS growth over 3 years	9.5% Fair Fair Compound annual EPS growth over 3 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Sep 30, 2018 10-Q ↗	Q2 FY2018 Jun 30, 2018 10-Q ↗	Q1 FY2018 Mar 31, 2018 10-Q ↗	Q4 FY2017 Dec 31, 2017 10-K ↗	Q3 FY2017 Sep 30, 2017 10-Q ↗	Q2 FY2017 Jun 30, 2017 10-Q ↗	Q1 FY2017 Mar 31, 2017 10-Q ↗	Q4 FY2016 Dec 31, 2016 10-K ↗	Q4 FY2015 Dec 31, 2015 10-K ↗
Operating Margin (%) (%)	42.9% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+72%)	40.4% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+61%)	—	39.5% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+58%)	35.7% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+43%)	34.6% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+38%)	—	36.5% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+46%)	37.2% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+49%)	37.1% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+48%)	—	35.3% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+41%)	41.0% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+64%)	47.9% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+91%)	—	48.3% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+93%)	48.9% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+95%)	53.5% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+114%)	—	57.1% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+128%)	54.3% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+117%)	—	—	35.0% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+40%)	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	27.7% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	27.0% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.1% Caution ↓ Caution Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	30.7% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.0% Caution ↓ Caution Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	27.6% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.4% Caution ↓ Caution Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	28.3% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	28.2% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	28.0% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	29.1% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	27.1% Caution ↓ Caution Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	28.8% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	29.0% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	27.8% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	28.9% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	29.0% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	29.1% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	29.2% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	28.2% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	30.1% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	28.4% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	28.9% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	31.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+41%)	29.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+34%)	—	27.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+24%)	26.7% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+22%)	25.0% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+14%)	—	26.2% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+19%)	26.7% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+21%)	26.7% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+21%)	—	25.7% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+17%)	29.2% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+33%)	34.0% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+54%)	—	34.4% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+56%)	34.7% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+58%)	37.9% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+72%)	—	41.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+86%)	38.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+73%)	32.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+47%)	—	24.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+13%)	19.0% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-14%)	24.6% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+12%)	—	34.0% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+54%)	34.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+56%)	33.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+50%)	—	25.2% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+14%)	25.2% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+14%)	27.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+24%)	—	23.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+8%)	22.8% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	20.5% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-7%)	—	—
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	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	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	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	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	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Sep 30, 2018 10-Q ↗	Q2 FY2018 Jun 30, 2018 10-Q ↗	Q1 FY2018 Mar 31, 2018 10-Q ↗	Q4 FY2017 Dec 31, 2017 10-K ↗	Q3 FY2017 Sep 30, 2017 10-Q ↗	Q2 FY2017 Jun 30, 2017 10-Q ↗	Q1 FY2017 Mar 31, 2017 10-Q ↗	Q4 FY2016 Dec 31, 2016 10-K ↗	Q4 FY2015 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	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	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 (%) (%)	0.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.3% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	—	0.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	0.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—	0.3% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—	0.4% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—	0.3% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—	0.3% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—	0.4% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—	—	—	—	—	—	—	—
Return on Common Equity (%) (%)	3.3% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-72%)	3.1% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-74%)	3.1% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-74%)	3.0% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-75%)	3.0% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-75%)	2.6% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-78%)	2.4% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-80%)	2.7% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-78%)	2.8% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-77%)	2.7% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-78%)	2.7% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-78%)	2.8% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-77%)	3.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-72%)	4.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-66%)	4.5% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-62%)	5.1% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-58%)	5.0% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-58%)	4.9% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-59%)	5.5% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-54%)	5.2% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-57%)	4.2% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-65%)	3.5% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-71%)	2.7% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-78%)	2.5% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-79%)	1.7% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-86%)	2.4% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-80%)	3.0% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-75%)	3.4% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-71%)	3.5% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-71%)	3.6% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-70%)	2.9% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-76%)	2.6% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-79%)	2.6% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-78%)	2.7% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-77%)	2.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-83%)	3.0% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-75%)	2.8% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-76%)	2.6% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-78%)	—	—

⚖️ Is the balance sheet risky? 3 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Sep 30, 2018 10-Q ↗	Q2 FY2018 Jun 30, 2018 10-Q ↗	Q1 FY2018 Mar 31, 2018 10-Q ↗	Q4 FY2017 Dec 31, 2017 10-K ↗	Q3 FY2017 Sep 30, 2017 10-Q ↗	Q2 FY2017 Jun 30, 2017 10-Q ↗	Q1 FY2017 Mar 31, 2017 10-Q ↗	Q4 FY2016 Dec 31, 2016 10-K ↗	Q4 FY2015 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	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	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	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	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	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	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	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Sep 30, 2018 10-Q ↗	Q2 FY2018 Jun 30, 2018 10-Q ↗	Q1 FY2018 Mar 31, 2018 10-Q ↗	Q4 FY2017 Dec 31, 2017 10-K ↗	Q3 FY2017 Sep 30, 2017 10-Q ↗	Q2 FY2017 Jun 30, 2017 10-Q ↗	Q1 FY2017 Mar 31, 2017 10-Q ↗	Q4 FY2016 Dec 31, 2016 10-K ↗	Q4 FY2015 Dec 31, 2015 10-K ↗
Revenue per Share (USD)	$1.73	$1.65	—	$1.64	$1.59	$1.50	—	$1.40	$1.37	$1.31	—	$1.32	$1.38	$1.45	—	$1.66	$1.61	$1.42	—	$1.33	$1.12	$1.05	—	$0.95	$0.84	$0.87	—	$0.88	$0.88	$0.91	—	$0.81	$0.82	$0.89	—	$0.87	$0.83	$0.81	—	—
Basic EPS, GAAP (USD)	$0.54	$0.49	$0.47	$0.45	$0.42	$0.37	$0.33	$0.36	$0.36	$0.34	$0.34	$0.33	$0.39	$0.48	$0.52	$0.56	$0.55	$0.53	$0.60	$0.54	$0.42	$0.33	$0.25	$0.23	$0.16	$0.21	$0.26	$0.25	$0.24	$0.29	$0.24	$0.22	$0.24	$0.23	$0.14	$0.20	$0.18	$0.16	—	—
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	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	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)	$0.14	$0.12	$0.12	$0.12	$0.12	$0.12	$0.12	$0.12	$0.12	$0.12	$0.12	$0.12	$0.12	$0.12	$0.12	$0.12	$0.12	$0.10	$0.10	$0.10	$0.07	—	$0.07	$0.07	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Book Value per Share (USD)	$15.99	$15.62	$15.31	$14.88	$14.38	$14.09	$13.83	$13.75	$13.18	$13.00	—	$12.18	$12.12	$12.04	—	$11.19	$11.19	$10.97	—	$10.48	$10.09	$9.78	—	$9.34	$9.23	$9.14	—	$8.73	$8.64	$8.42	—	$7.95	$7.79	$8.82	—	$6.81	$6.67	$6.29	—	—
Tangible Book Value per Share (USD)	$15.99	$15.62	$15.31	$14.88	$14.38	$14.09	$13.83	$13.75	$13.18	$13.00	—	$12.18	$12.12	$12.04	—	$11.19	$11.19	$10.97	—	$10.48	$10.09	$9.78	—	$9.34	$9.23	$9.14	—	$8.73	$8.64	$8.42	—	$7.95	$7.79	$8.82	—	$6.81	$6.67	$6.29	—	—
Basic Weighted Avg Shares (shares)	14.90M	14.89M	—	14.89M	14.86M	14.86M	—	14.81M	14.87M	14.99M	—	15.13M	15.16M	15.28M	—	15.20M	15.14M	15.14M	—	15.13M	15.06M	15.02M	—	15.15M	15.07M	15.49M	—	15.77M	15.69M	15.82M	—	15.71M	15.58M	13.29M	—	13.13M	13.01M	12.93M	—	—
Dividend Payout Ratio (%)	25.9% Excellent → Excellent Stable Dividends paid as a percentage of earnings Optimal: 30-60%	24.5% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	25.5% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	26.7% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	28.6% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	32.4% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	36.4% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	33.3% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	33.3% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	35.3% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	35.3% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	36.4% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	30.8% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	25.0% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	23.1% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	21.4% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	21.8% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	18.9% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	16.7% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	18.5% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	16.7% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	—	28.0% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	30.4% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Sep 30, 2018 10-Q ↗	Q2 FY2018 Jun 30, 2018 10-Q ↗	Q1 FY2018 Mar 31, 2018 10-Q ↗	Q4 FY2017 Dec 31, 2017 10-K ↗	Q3 FY2017 Sep 30, 2017 10-Q ↗	Q2 FY2017 Jun 30, 2017 10-Q ↗	Q1 FY2017 Mar 31, 2017 10-Q ↗	Q4 FY2016 Dec 31, 2016 10-K ↗	Q4 FY2015 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	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	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)	$238.64M	$232.71M	$227.89M	$221.50M	$213.72M	$210.09M	$204.99M	$203.60M	$195.99M	$194.72M	$192.63M	$184.31M	$183.77M	$183.78M	$176.92M	$170.09M	$169.49M	$165.99M	$165.22M	$158.62M	$151.96M	$146.99M	$143.37M	$141.55M	$139.14M	$138.10M	$140.58M	$137.59M	$135.48M	$132.38M	$129.79M	$124.97M	$121.39M	$117.26M	$91.48M	$89.48M	$86.74M	$81.28M	$81.28M	$72.48M

📋 What is driving earnings? 4 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Sep 30, 2018 10-Q ↗	Q2 FY2018 Jun 30, 2018 10-Q ↗	Q1 FY2018 Mar 31, 2018 10-Q ↗	Q4 FY2017 Dec 31, 2017 10-K ↗	Q3 FY2017 Sep 30, 2017 10-Q ↗	Q2 FY2017 Jun 30, 2017 10-Q ↗	Q1 FY2017 Mar 31, 2017 10-Q ↗	Q4 FY2016 Dec 31, 2016 10-K ↗	Q4 FY2015 Dec 31, 2015 10-K ↗
Sales/Revenue/Turnover (USD)	$25.72M	$24.55M	—	$24.48M	$23.69M	$22.23M	—	$20.75M	$20.38M	$19.57M	—	$19.91M	$20.86M	$22.19M	—	$25.16M	$24.44M	$21.51M	—	$20.13M	$16.81M	$15.72M	—	$14.44M	$12.71M	$13.41M	—	$13.95M	$13.82M	$14.38M	—	$12.77M	$12.77M	$11.77M	—	$11.46M	$10.80M	$10.45M	—	—
Depreciation Expense (USD)	$344.00K	$342.00K	$200.00K	$411.00K	$394.00K	$347.00K	$400.00K	$335.00K	$332.00K	$367.00K	$300.00K	$367.00K	$339.00K	$371.00K	$400.00K	$349.00K	$341.00K	$390.00K	$311.00K	$332.00K	$329.00K	$328.00K	$319.00K	$326.00K	$325.00K	$329.00K	$265.00K	$297.00K	$270.00K	$268.00M	$238.00K	$273.00K	$249.00M	$240.00M	$233.15K	$249.10K	$255.96K	$263.79K	—	—
Net Income, GAAP (USD)	$7.98M	$7.23M	$7.04M	$6.70M	$6.33M	$5.56M	$4.97M	$5.44M	$5.44M	$5.23M	$5.17M	$5.12M	$6.09M	$7.53M	$8.03M	$8.65M	$8.48M	$8.15M	$9.13M	$8.25M	$6.38M	$5.08M	$3.82M	$3.60M	$2.42M	$3.30M	$4.18M	$4.74M	$4.74M	$4.74M	$3.76M	$3.22M	$3.22M	$3.22M	$1.90M	$2.73M	$2.46M	$2.15M	—	—
Operating Cash Flow (USD)	$-7.31M	$7.72M	$3.56M	$23.95M	$-6.96M	$5.64M	$5.30M	$13.33M	$15.77M	$-3.15M	$-1.42M	$15.42M	$8.71M	$44.64M	$2.98M	$46.16M	$22.00M	$12.60M	$23.91M	$-23.44M	$-33.53M	$4.86M	$21.34M	$-24.09M	$-4.46M	$2.37M	$2.87M	$8.13M	$5.33M	$2.65M	$7.23M	$12.33M	$12.43M	$-1.39M	$1.11M	$-5.44M	—	—	—	—

🏛️ Sector-Specific 2 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Sep 30, 2018 10-Q ↗	Q2 FY2018 Jun 30, 2018 10-Q ↗	Q1 FY2018 Mar 31, 2018 10-Q ↗	Q4 FY2017 Dec 31, 2017 10-K ↗	Q3 FY2017 Sep 30, 2017 10-Q ↗	Q2 FY2017 Jun 30, 2017 10-Q ↗	Q1 FY2017 Mar 31, 2017 10-Q ↗	Q4 FY2016 Dec 31, 2016 10-K ↗	Q4 FY2015 Dec 31, 2015 10-K ↗
Net Interest Margin (approx.) (%)	2.9%	3.0%	3.1%	3.1%	—	2.8%	2.9%	—	—	2.9%	—	—	—	3.3%	—	—	—	3.7%	—	—	—	3.5%	—	—	—	3.7%	—	—	—	4.0%	—	—	—	—	—	—	—	—	—	—
Efficiency Ratio (%) (%)	57.6%	58.0%	—	55.7%	59.3%	62.1%	—	61.3%	59.8%	62.1%	—	57.9%	59.0%	53.7%	—	49.0%	47.1%	44.9%	—	47.3%	52.3%	50.7%	—	55.3%	57.7%	61.2%	—	60.4%	60.5%	56.5%	—	60.3%	58.6%	57.9%	—	58.8%	60.7%	61.1%	—	—

OP Bancorp

Analytical Summary

40-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

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