InsiderClue
Stocks · Financials · State Commercial Banks

OP Bancorp

OPBK Clue Score42
United States Fiscal year ends December CIK 0001722010
$14.89 -1.19% Close, 9 Oct 2026
Alert on the numbers Alert on insider trades
Price $14.89 +43.86% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueNet income
Fiscal year 2016Revenue1.3Net income7.4EPS, diluted0.53Fiscal year 2017Revenue1.7 +29.9%Net income9.2 +24.4%EPS, diluted0.66 +24.5%Fiscal year 2018Revenue1.9 +14.6%Net income14.3 +54.3%EPS, diluted0.89 +34.8%Fiscal year 2019Revenue2.0 +6.2%Net income16.8 +17.6%EPS, diluted1.03 +15.7%Fiscal year 2020Revenue1.4 −29.0%Net income13.1 −21.7%EPS, diluted0.85 −17.5%Fiscal year 2021Revenue1.6 +9.2%Net income28.8 +119.7%EPS, diluted1.88 +121.2%Fiscal year 2022Revenue1.7 +7.2%Net income33.3 +15.5%EPS, diluted2.14 +13.8%Fiscal year 2023Revenue2.1 +26.7%Net income23.9 −28.2%EPS, diluted1.55 −27.6%Fiscal year 2024Revenue3.3 +53.6%Net income21.1 −11.9%EPS, diluted1.39 −10.3%Fiscal year 2025Revenue3.2 −1.7%Net income25.6 +21.7%EPS, diluted1.72 +23.7%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue 1.3 1.7 1.9 2.0 1.4 1.6 1.7 2.1 3.3 3.2
Growth +29.9% +14.6% +6.2% −29.0% +9.2% +7.2% +26.7% +53.6% −1.7%
Net income 7.4 9.2 14.3 16.8 13.1 28.8 33.3 23.9 21.1 25.6
Growth +24.4% +54.3% +17.6% −21.7% +119.7% +15.5% −28.2% −11.9% +21.7%
EPS, diluted 0.53 0.66 0.89 1.03 0.85 1.88 2.14 1.55 1.39 1.72
Growth +24.5% +34.8% +15.7% −17.5% +121.2% +13.8% −27.6% −10.3% +23.7%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Net margin
Fiscal year 2016Net margin582.4%Free cash flow margin809.6%Fiscal year 2017Net margin557.7%Free cash flow margin−155.1%Fiscal year 2018Net margin751.3%Free cash flow margin1,550.3%Fiscal year 2019Net margin831.6%Free cash flow margin855.6%Fiscal year 2020Net margin917.3%Free cash flow margin−382.3%Fiscal year 2021Net margin1,846.4%Free cash flow margin−1,882.4%Fiscal year 2022Net margin1,988.7%Free cash flow margin4,914.7%Fiscal year 2023Net margin1,126.6%Free cash flow margin3,088.7%Fiscal year 2024Net margin646.1%Free cash flow margin910.2%Fiscal year 2025Net margin800.1%Free cash flow margin729.1%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net margin 582.4% 557.7% 751.3% 831.6% 917.3% 1,846.4% 1,988.7% 1,126.6% 646.1% 800.1%
Free cash flow margin 809.6% −155.1% 1,550.3% 855.6% −382.3% −1,882.4% 4,914.7% 3,088.7% 910.2% 729.1%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow10.6Capital expenditure−0.3Free cash flow10.3Fiscal year 2017Operating cash flow−2.1Capital expenditure−0.4Free cash flow−2.6 −124.9%Fiscal year 2018Operating cash flow30.6Capital expenditure−1.2Free cash flow29.4Fiscal year 2019Operating cash flow19.0Capital expenditure−1.7Free cash flow17.2 −41.4%Buybacks−5.4Dividends paid−3.2Fiscal year 2020Operating cash flow−4.9Capital expenditure−0.6Free cash flow−5.5 −131.7%Buybacks−8.1Dividends paid−4.3Fiscal year 2021Operating cash flow−28.3Capital expenditure−1.1Free cash flow−29.4Buybacks−0.0Dividends paid−5.1Fiscal year 2022Operating cash flow83.7Capital expenditure−1.4Free cash flow82.3Buybacks0.0Dividends paid−6.7Fiscal year 2023Operating cash flow67.8Capital expenditure−2.2Free cash flow65.6 −20.3%Buybacks−3.9Dividends paid−7.3Fiscal year 2024Operating cash flow31.2Capital expenditure−1.6Free cash flow29.7 −54.7%Buybacks−2.7Dividends paid−7.1Fiscal year 2025Operating cash flow26.2Capital expenditure−2.8Free cash flow23.4 −21.3%Buybacks−0.7Dividends paid−7.1
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 10.6 −2.1 30.6 19.0 −4.9 −28.3 83.7 67.8 31.2 26.2
Capital expenditure −0.3 −0.4 −1.2 −1.7 −0.6 −1.1 −1.4 −2.2 −1.6 −2.8
Free cash flow 10.3 −2.6 29.4 17.2 −5.5 −29.4 82.3 65.6 29.7 23.4
Growth −124.9% −41.4% −131.7% −20.3% −54.7% −21.3%
Buybacks n/a n/a n/a −5.4 −8.1 −0.0 0.0 −3.9 −2.7 −0.7
Dividends paid n/a n/a n/a −3.2 −4.3 −5.1 −6.7 −7.3 −7.1 −7.1

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
Cash
Fiscal year 2016Cash20.1Shareholders’ equity81.3Fiscal year 2017Cash63.3Shareholders’ equity91.5Fiscal year 2018Cash77.7Shareholders’ equity129.8Fiscal year 2019Cash86.0Shareholders’ equity140.6Fiscal year 2020Cash106.3Shareholders’ equity143.4Fiscal year 2021Cash115.5Shareholders’ equity165.2Fiscal year 2022Cash83.0Shareholders’ equity176.9Fiscal year 2023Cash91.2Shareholders’ equity192.6Fiscal year 2024Cash134.9Shareholders’ equity205.0Fiscal year 2025Cash167.3Shareholders’ equity227.9
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 20.1 63.3 77.7 86.0 106.3 115.5 83.0 91.2 134.9 167.3
Shareholders’ equity 81.3 91.5 129.8 140.6 143.4 165.2 176.9 192.6 205.0 227.9

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Margins
966.3% 1,034.3% 1,025.7% 1,095.6% 1,274.2% 2,602.8% 2,789.5% 1,577.5% 891.7% 1,102.6%
582.4% 557.7% 751.3% 831.6% 917.3% 1,846.4% 1,988.7% 1,126.6% 646.1% 800.1%
809.6% −155.1% 1,550.3% 855.6% −382.3% −1,882.4% 4,914.7% 3,088.7% 910.2% 729.1%
Spending
20.3% 25.4% 63.0% 86.3% 43.3% 72.0% 84.3% 102.9% 47.9% 87.4%
39.7% 46.1% 26.7% 24.1% 28.0% 29.1% 28.7% 28.6% 27.5% 27.4%
Returns
9.1% 10.1% 11.0% 11.9% 9.2% 17.5% 18.8% 12.4% 10.3% 11.2%
n/a 1.0% 1.4% 1.4% 1.0% 1.7% 1.6% 1.1% 0.9% 1.0%
Balance and payout
n/a 89.8% 87.6% 88.1% 89.5% 90.4% 91.6% 91.0% 91.3% 91.4%
n/a n/a n/a 18.8% 32.5% 17.8% 20.0% 30.4% 33.9% 27.8%
n/a n/a n/a 49.5% n/a n/a 8.1% 17.1% 33.3% 33.6%