OP Bancorp (OPBK) Financial Ratios

For fiscal 2025 (fiscal year ended Dec 31, 2025), OP Bancorp had a P/E ratio of 8.20 (down from 11.32), return on equity of 11.8% (up from 10.6%), debt-to-equity of 0.49 (down from 0.51) and return on assets of 1.0% (up from 0.9%). Its dividend yield was 3.40% with a payout ratio of 27.8%.

OP Bancorp Financial Ratios Analysis

Valuation, profitability, leverage, and liquidity ratios

Income Statement Balance Sheet Cash Flow Ratios

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Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Valuation Ratios
P/E Ratio	8.20	11.32	7.01	5.20	6.77	8.99
Forward P/E	7.37	11.06	7.50	5.34	7.17	9.81
P/S Ratio	2.31	2.95	2.02	1.85	2.52	2.32
P/B Ratio	0.92	1.14	0.85	0.96	1.17	0.81
Price/Tangible Book	0.92	1.14	0.85	0.96	1.17	0.81
Price/FCF	9.00	7.89	2.50	2.06	-	-
Price/OCF	8.03	7.50	2.42	2.03	-	-
PEG Ratio	0.96	0.96	0.96	0.96	0.96	-
Enterprise Value Ratios
Profitability & Returns
Return on Equity (ROE)	11.84%	10.60%	12.95%	19.47%	18.69%	9.25%
Return on Assets (ROA)	1.02%	0.93%	1.13%	1.74%	1.87%	1.03%
Leverage & Solvency Ratios
Debt/Equity	0.49	0.51	0.59	0.06	0.06	0.09
Debt/FCF	4.78	3.48	1.74	0.12	-	-
Liquidity Ratios
Efficiency Ratios
Yield & Distribution Ratios
Earnings Yield	12.20%	9.00%	14.56%	19.64%	14.94%	11.29%
FCF Yield	11.11%	12.68%	39.93%	48.53%	-15.23%	-4.71%
Dividend Yield	3.40%	3.04%	4.38%	3.96%	2.67%	4.43%
Payout Ratio	27.83%	33.90%	30.39%	20.04%	17.80%	32.47%
Buyback Yield	-0.23%	1.89%	0.48%	-0.50%	0.45%	4.46%
Total Return	3.17%	4.93%	4.86%	3.46%	3.12%	8.89%

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 Ratios

What is OP Bancorp's P/E ratio?

OP Bancorp's P/E ratio was 8.20 for fiscal 2025 (period ended Dec 31, 2025). It was 11.32 a year earlier.

What is OP Bancorp's return on equity?

OP Bancorp's return on equity (ROE) was 11.8% for fiscal 2025 (period ended Dec 31, 2025). It was 10.6% a year earlier.

What is OP Bancorp's debt-to-equity ratio?

OP Bancorp's debt-to-equity ratio was 0.49 for fiscal 2025 (period ended Dec 31, 2025). It was 0.51 a year earlier.

What is return on equity (ROE)?

Return on equity is net income divided by shareholders' equity. It measures how much profit a company generates from the capital its shareholders have invested. Full definition