MARKETS / NASDAQ / OPBK

NASDAQ · STATE COMMERCIAL BANKS · MID CAP

OP Bancorp OPBK

10 fiscal years on record · USD · FY2025 reported · SEC filings only

Revenue

$3.2M

▼ 1.7% YoY

Net income

$25.6M

▲ 21.7% YoY

Free cash flow

$23.4M

▼ 21.3% YoY

In brief

What this company does

OP Bancorp, headquartered in Los Angeles, California, operates its commercial community banking activities through Open Bank ("Open Bank" or the "Bank"), our wholly owned banking subsidiary. We provide commercial banking services to small and medium-sized businesses, their owners, and retail customers, with a focus on the Korean-American community. We currently operate twelve full service branches: nine branches across Los Angeles and Orange Counties in California, as well as one branch each in Santa Clara, California; Carrollton, Texas; and Las Vegas, Nevada. Substantially all our business activities are conducted through the Bank. Our lending activities are diversified and include commercial real estate ("CRE"), commercial and industrial ("C&I"), Small Business Administration (“SBA”), home mortgage, and consumer loans.

Written from the business description in OP Bancorp's annual report to the U.S. Securities and Exchange Commission, filed 13 March 2026. Every sentence was checked against that document before publication.

Growth

USD 3.2M

Revenue, FY2025 · full 10-year series below

Revenue $M Net income $M

FY2025 · Revenue 3.2 · Net income 25.6

Compound annual growth

Revenue

+24.1%

+17.5%

Net income

−8.4%

+14.3%

EPS, diluted

−7.0%

+15.1%

Dividend / share

+2.9%

+11.4%

Returned to shareholders

+5.5%

−8.1%

3 yrs

5 yrs

10 yrs

15 yrs

Revenue compounded at +17.5% a year over five years — but profit grew slower: net income at +14.3%, earnings per share at +15.1%.

The share count fell from 0.02B to 0.01B — the buyback concentrates the same profit into fewer slices.

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability

800 cents

of every revenue dollar became profit

Operating margin Net margin

FY2025 · Operating 1102.6% · Net 800.1%

ROE

FY2025 · ROE 11.8%

Gross margin—

Operating margin1102.6%

Net margin800.1%

Return on assets1.0%

EBITDAUSD 36.7M

Each USD of equity produced 12 cents of profit this year.

Cash & shareholders

USD 7.8M

returned in FY2025 · dividends + net buybacks

Free cash flow $M

FY2025 · FCF 23.4

Net buybacks $M Dividends $M

FY2025 · Dividends 7.1 · Net buybacks 0.7

Dividends paidUSD 7.1M

Net buybacksUSD 706,000.00

Share of profit30.6%

Consecutive raises—

USD 7.1M in dividends and USD 706,000.00 in buybacks — 31% of the year's profit went back to shareholders.

Total assetsUSD 2.7B

EquityUSD 227.9M

CashUSD 167.3M

DepositsUSD 2.3B

Equity funds 9% of total assets.

The 10-year record

10 fiscal years

Every figure from documents filed with the SEC · USD

row low → row highnegative

Metric	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
Revenue $B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Operating income $B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	·	·	·
EBITDA $B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	·	·	·
Income tax $B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Net income $B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Free cash flow $B	0.0	0.0	0.1	0.1	−0.0	−0.0	0.0	0.0	−0.0	0.0
EPS, diluted $	1.72	1.39	1.55	2.14	1.88	0.85	1.03	0.89	0.66	0.53
Dividend / sh $	0.48	0.48	0.48	0.44	0.34	0.28	0.20	·	·	·
Payout %	28	34	30	20	18	32	19	·	·	·
ROE %	11.8	10.6	12.9	19.5	18.7	9.2	12.4	12.9	10.7	9.1
Shares out B	0.01	0.01	0.02	0.02	0.02	0.02	0.02	0.02	0.01	·

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

Provenance

Company facts, as filed

How we verify · 0 failures in 29 reconciliationsAUDITED

Reconciled in 10 of 19 fiscal years. 28 checks could not be computed.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquiditymoeda_consistente0 failures

ActivityState Commercial Banks

Listed onNASDAQ

Incorporated inCalifornia

Fiscal year endsDecember 31

SEC categorysmaller reporting company

Data on record since2016