tradmap

OPBK Financials OP Bancorp

10 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated Overview →

Growth & profitability

  • Revenue has grown 17.5% per year over the past 5 years.
  • Net income has grown slower than revenue (14.3% vs 17.5% per year).

Shareholder returns

  • Dividends have been paid for 7 consecutive years, consuming 27.8% of earnings and 30.5% of free cash flow.
  • The dividend has grown 10.8% per year over the past 5 years.
Revenue & net income
$0 $17M $33M 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
RevenueNet income
Margins (gross / operating / net)
0% 994% 1989% 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
GrossOperatingNet
Free cash flow (CFO − capex)
-$29M $26M $82M $0 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Free cash flow
Cash vs total debt
$0 $84M $167M 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
CashTotal debt
Cash flow: operating / investing / financing
-$462M -$58M $346M $0 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
OperatingInvestingFinancing

Key annual figures

FYRevenueNet incomeGross MOp MFCFTotal debtCash
2025 $3M $26M 0.0% 0.0% $23M $167M
2024 $3M $21M 0.0% 0.0% $30M $135M
2023 $2M $24M 0.0% 0.0% $66M $91M
2022 $2M $33M 0.0% 0.0% $82M $83M
2021 $2M $29M 0.0% 0.0% -$29M $115M
2020 $1M $13M 0.0% 0.0% -$5M $106M
2019 $2M $17M 0.0% 0.0% $17M $86M
2018 $2M $14M 0.0% 0.0% $29M $78M
2017 $2M $9M 0.0% 0.0% -$3M $63M
2016 $1M $7M 0.0% 0.0% $10M $20M

Valuation over time

How the market has priced OPBK against its own fundamentals since 2023-03 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.

Price / earnings (P/E)
0.0 5.6 11.1 Mar '23 Aug '23 Jan '24 Jun '24 Nov '24 Apr '25 Sep '25 Feb '26
P/E
Price / sales (P/S)
0.0 60.8 121.6 Mar '23 Aug '23 Jan '24 Jun '24 Nov '24 Apr '25 Sep '25 Feb '26
P/S
Dividend yield (%)
0.0 2.8 5.6 Mar '23 Aug '23 Jan '24 Jun '24 Nov '24 Apr '25 Sep '25 Feb '26
Dividend yield %

Frequently asked questions

Is OPBK growing its revenue and profit?

Over the past 5 years, OP Bancorp's revenue has grown 17.5% per year, and net income grown 14.3% per year. These are computed facts, not advice.

How much debt does OPBK have?

As of FY2025, OP Bancorp reported — of total debt against $167M of cash.

What is OPBK's profit margin?

In FY2025, gross margin was —, operating margin —, and net margin 800.1%.

What is OPBK's P/E ratio?

As of Jun '26, OP Bancorp traded at a price-to-earnings ratio of about 8.7× (market cap ÷ latest annual net income). The valuation charts above show how its P/E, P/S and dividend yield have moved with the share price. These are computed facts, not advice.

Where does this data come from?

All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.

Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.