OP Bancorp (OPBK) Financial Statements & Analysis

OP Bancorp (OPBK) Income Statement

OP Bancorp reported revenue of $166.66M in fiscal 2025 (fiscal year ended Dec 31, 2025), up 103.2% from $82.03M a year earlier. Net income was $25.66M, up 21.8% year over year, a net margin of 15.4%. Gross margin was 54.7% and operating margin 21.2%. In the most recent quarter, Q3 fiscal 2026 (ended Sep 30, 2026), revenue was $25.91M, up 11.2% from the same quarter a year earlier.

OP Bancorp Income Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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OP Bancorp income statement - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Revenue & Gross Profit
Revenue	166.66	82.04	81.22	94.53	80.18	64.43	70.21	59.40	49.27
Cost of Revenue	75.56	74.77	54.63	14.28	3.65	14.25	15.61	10.38	5.88
Gross Profit	91.10	79.28	81.22	91.55	76.52	50.17	54.60	49.02	43.39
Operating Expenses
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Selling, General & Administrative	2.30	34.56	12.24	29.23	23.11	21.66	23.77	21.50	19.60
Operating Expenses	55.77	50.20	47.73	44.83	35.87	31.94	32.52	29.56	26.26
Operating Income	35.33	29.08	33.49	46.72	40.66	18.23	22.08	19.46	17.13
Other Income/Expense
Interest Income	150.33	137.62	121.67	88.21	64.16	53.66	58.78	50.07	40.28
Interest Expense	71.98	72.01	52.98	11.30	3.13	8.29	14.51	9.11	4.57
Other Income/Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Income
Income Before Tax	35.33	29.08	33.49	46.72	40.66	18.23	22.08	19.46	17.13
Income Tax Expense	9.67	8.01	9.57	13.41	11.80	5.11	5.32	5.20	7.89
Net Income	25.66	21.07	23.92	33.31	28.84	13.13	16.76	14.25	9.24
Net Income - Continuous Operations	25.66	21.07	23.92	33.31	28.84	13.13	16.76	14.25	9.24
Net Income - Discontinued Operations	-	-	-	-	-	-	-	-	-
EBITDA	42.59	30.44	4.47	48.09	41.97	19.54	23.22	20.50	18.14
EBIT	-	-	-	-	-	-	-	-	-
Depreciation & Amortization	7.26	4.65	4.47	1.37	1.31	1.30	1.15	1.04	1.01
Earnings Per Share
Basic EPS	2.00	1.00	2.00	2.00	2.00	1.00	1.00	1.00	1.00
Diluted EPS	2.00	1.00	2.00	2.00	2.00	1.00	1.00	1.00	1.00
Basic Shares Outstanding	14.87	14.87	15.15	15.17	15.09	15.20	15.74	15.11	13.06
Diluted Shares Outstanding	14.91	14.87	15.16	15.23	15.16	15.22	15.94	15.55	13.49

Source: Company financial statements from annual and quarterly filings. Data as of Sep 30, 2026. Data sources and methodology

Frequently Asked Questions About OP Bancorp Financial Statements

What was OP Bancorp's revenue in fiscal 2025?

OP Bancorp reported revenue of $166.66M in fiscal 2025 (fiscal year ended Dec 31, 2025). That was up 103.2% from $82.03M a year earlier.

Is OP Bancorp profitable?

Yes. OP Bancorp earned net income of $25.66M in fiscal 2025, a net margin of 15.4%. In fiscal 2024 it earned $21.07M.

What is OP Bancorp's operating margin?

OP Bancorp's operating income was $35.33M on revenue of $166.66M in fiscal 2025, an operating margin of 21.2%, compared with 35.4% a year earlier.

What is net profit margin?

Net profit margin is net income divided by revenue. It shows how much of each dollar of sales a company keeps as profit after all costs, interest and taxes. Full definition