OP Bancorp (OPBK) Cash Flow: Operating & Free Cash Flow

OP Bancorp (OPBK) Cash Flow Statement

In fiscal 2025 (fiscal year ended Dec 31, 2025), OP Bancorp generated $26.16M of operating cash flow and spent $2.80M on capital expenditures. That left free cash flow of $23.36M, down 21.3% from $29.68M a year earlier, or 14.0% of revenue. It returned $8.62M to shareholders through $7.13M in dividends and $1.48M in share buybacks.

OP Bancorp Cash Flow Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Cash flow statement showing operating, investing, and financing activities for OP Bancorp (OPBK) - 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
Operating Activities
Net Income	25.64	21.07	23.92	33.31	28.84	13.13	16.76	14.25	9.24
Depreciation & Amortization	7.26	4.65	4.47	1.37	6.25	1.30	1.15	1.04	1.01
Deferred Income Tax	0.08	-1.60	0.63	1.08	-2.31	0.00	0.00	0.00	0.00
Stock Based Compensation	0.70	1.18	1.30	1.18	0.56	1.10	1.47	0.97	0.67
Change in Working Capital	-1.69	9.49	-2.60	-3.58	8.69	-1.74	3.59	-1.89	-0.25
Change in Accounts Receivable	-2.28	-0.93	-1.08	-2.40	0.24	-1.46	-0.10	-0.61	-0.46
Change in Accounts Payable	0.59	-0.96	9.86	2.21	-0.46	-1.67	0.97	1.29	0.10
Change in Other Working Capital	-1.69	9.49	-2.11	62.80	8.91	1.39	2.72	-2.58	0.11
Other Operating Activities	-6.81	-10.59	-8.46	62.80	-18.62	-18.64	-3.98	16.23	-12.81
Net Cash from Operating Activities	26.16	31.24	67.76	83.73	-28.28	-4.85	18.98	30.61	-2.15
Investing Activities
Capital Expenditures	-2.80	-1.56	-2.18	-1.41	-1.13	-0.62	-1.74	-1.20	-0.42
Purchases of Investments	-29.62	-23.36	-8.58	-116.95	-99.20	-66.62	-16.59	-23.36	-13.55
Sales/Maturities of Investments	0.00	27.67	24.37	32.19	35.94	30.32	14.55	6.56	6.17
Other Investing Activities	-5.49	-4.28	-2.84	-375.61	-0.83	-110.16	-114.26	-128.29	-73.88
Net Cash from Investing Activities	-243.01	-187.32	-75.89	-461.78	-286.04	-147.07	-118.03	-146.28	-81.68
Financing Activities
Debt Repayment	4.57	-30.00	105.00	0.00	-5.00	5.00	0.00	-25.00	15.00
Common Stock Issued	0.00	0.16	0.89	0.61	0.09	0.00	0.00	22.57	0.00
Common Stock Repurchased	-1.48	-2.94	-4.03	0.00	-0.46	-8.10	-5.39	0.00	0.00
Dividends Paid	-7.13	-7.14	-7.27	-6.68	-5.13	-4.26	-3.15	0.00	0.00
Other Financing Activities	252.48	-0.20	-77.42	-0.08	-0.43	179.65	115.90	132.58	111.95
Net Cash from Financing Activities	249.22	199.80	16.37	345.56	323.47	172.29	107.36	130.15	126.95
Summary
Net Change in Cash	32.37	43.73	8.24	-32.49	9.15	20.37	8.31	14.48	43.12
Cash at Beginning of Period	134.94	91.22	82.97	115.46	106.31	85.94	77.63	63.25	20.13
Cash at End of Period	167.31	134.94	91.22	82.97	115.46	106.31	85.94	77.73	63.25
Free Cash Flow	23.36	29.68	65.57	82.32	-29.40	-5.47	17.24	29.41	-2.57
Supplemental Disclosures
Interest Paid	-	68.57	43.12	9.09	3.60	-	-	-	-
Income Taxes Paid	-	8.26	8.39	14.49	10.78	-	-	-	-

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 Cash Flow

What is OP Bancorp's free cash flow?

OP Bancorp generated free cash flow of $23.36M in fiscal 2025 (fiscal year ended Dec 31, 2025), operating cash flow of $26.16M minus $2.80M of capital expenditures. That was down 21.3% from $29.68M a year earlier. Free cash flow equaled 14.0% of revenue.

How much does OP Bancorp spend on capital expenditures?

OP Bancorp spent $2.80M on capital expenditures in fiscal 2025, compared with $1.56M a year earlier. That equals 10.7% of operating cash flow.

Does OP Bancorp pay dividends or buy back shares?

Yes. In fiscal 2025 OP Bancorp returned $7.13M in dividends and $1.48M in share buybacks to shareholders, according to its cash flow statement.

What is free cash flow?

Free cash flow is operating cash flow minus capital expenditures. It is the cash a company has left for dividends, buybacks, debt repayment or acquisitions after funding its operations and investment. Full definition