OP Bancorp financials
$15.00−1.25%
Close Sep 30, 2026 · split-adjustedRevenue
Net income
Income statement & cash flow
| Fiscal year | FY25 Dec 31 | FY24 Dec 31 | FY23 Dec 31 | FY22 Dec 31 | FY21 Dec 31 | FY20 Dec 31 | FY19 Dec 31 | FY18 Dec 31 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $166.7M | $154.0M | $135.8M | $105.8M | $80.2M | $64.4M | $70.2M | $59.4M |
| Gross profit | $94.7M | $82.0M | $82.9M | $94.5M | $77.0M | $56.1M | $55.7M | $50.3M |
| Gross margin | 56.8% | 53.3% | 61.0% | 89.3% | 96.1% | 87.1% | 79.3% | 84.7% |
| Operating income | $35.3M | $29.1M | $33.5M | $46.7M | $40.7M | $18.2M | $22.1M | $19.5M |
| Net income | $25.6M | $20.7M | $23.4M | $32.6M | $28.5M | $12.9M | $16.4M | $13.8M |
| Net margin | 15.4% | 13.4% | 17.3% | 30.8% | 35.6% | 20.1% | 23.3% | 23.3% |
| Diluted EPS | $1.72 | $1.39 | $1.55 | $2.14 | $1.88 | $0.85 | $1.03 | $0.89 |
| EBITDA | $35.3M | $29.1M | $33.5M | $46.7M | $40.7M | $18.2M | $22.1M | $19.5M |
| Operating cash flow | $26.2M | $31.2M | $67.8M | $83.7M | -$28.3M | -$4.9M | $21.3M | $30.6M |
| Free cash flow | $23.4M | $29.7M | $65.6M | $82.3M | -$29.4M | -$5.5M | $19.5M | $29.4M |
| Diluted shares | 14.9M | 14.9M | 15.2M | 15.2M | 15.1M | 15.2M | 15.9M | 15.6M |
Balance sheet
| Period end | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 |
|---|---|---|---|---|---|---|
| Cash & equivalents | $10.9M | $12.3M | $91.2M | $83.0M | $115.5M | $106.3M |
| Short-term investments | $366.4M | $325.0M | $210.5M | $221.9M | $161.4M | $101.9M |
| Total debt | $99.6M | $95.0M | $105.0M | $0.00 | $0.00 | $5.0M |
| Total assets | $2.65B | $2.37B | $2.15B | $2.09B | $1.73B | $1.37B |
| Total liabilities | $2.42B | $2.16B | $1.96B | $1.92B | $1.56B | $1.22B |
| Shareholders' equity | $227.9M | $205.0M | $192.6M | $176.9M | $165.2M | $143.4M |
From SEC filings via Massive. Fiscal periods follow the company's own calendar; free cash flow is operating cash flow minus capital expenditure.
Sources: Massive / Polygon daily aggregates (split-adjusted) · SEC filings via Massive · FINRA settlements via Massive · Financial Modeling Prep. Figures are dated where shown; research is informational, not investment advice. Methodology