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OP Bancorp(NASDAQ) OPBK

Market Cap$224.14MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2005)+63%
5 Year+83%
1 Year+7%
1 Month-3%
Premium Feature
Moneyball Superscore
60/100
$14.95
-0.43%
-0.06Today
OP Bancorp last closing stock price
MetricPriceDate
Last closeUSD 15.012026-08-31
OP Bancorp stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-2.09%USD 15.332026-08-24
1 month-2.92%USD 15.462026-07-31
3 month+7.26%USD 13.992026-06-02
Year to date+9.2%USD 13.752025-12-31
1 year+6.99%USD 14.032025-08-29
3 year+77.53%USD 8.452023-09-01
5 year+83.15%USD 8.202021-09-01
Since inception+62.66%USD 9.232005-07-22

OP Bancorp Financials at a Glance

Market Cap

$224.14MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$171.77M

Net Income (TTM)

$28.97M

EPS (TTM)

$1.94

P/E Ratio

7.73

Dividend

$0.52

Beta (Volatility)

0.67 (Low)

Price

$14.95

Volume

8,210.542

Open

$14.97

Previous Close

$15.01

Daily Range

$14.97 - $15.10

52-Week Range

$12.41 - $16.83

Estimated Earnings Date

Oct 22, 2026

OPBK News

No articles available.

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About OP Bancorp

OP Bancorp helps small business owners and families manage their money. It provides loans to help local businesses grow and buy property. The bank serves neighbors in Korean-American communities across several states.

What Does the Bank Offer?

  • Commercial Real Estate Loans: Financing for business properties using fixed or adjustable interest rates that can change over time.
  • Small Business Loans: Government-backed funding for equipment and working capital through the Small Business Administration (SBA).
  • Home Mortgages: Residential property loans for families including standard and alternative documentation options.
  • Bank Accounts: Basic tools for saving and spending money such as checking and savings accounts.

Recent Growth and Changes

  • Opened a new loan production office in Bellevue, Washington, in May 2026.
  • Closed five underperforming loan production offices in mid-2026 to focus on higher demand areas.
  • Issued long-term debt in November 2025 to increase available interest-bearing funds.
  • Adopted a simpler capital reporting framework for regulators starting in the third quarter of 2026.

What Makes the Bank Stand Out

OP Bancorp targets a specific niche by focusing on the financial needs of Korean-American communities and business owners. Its status as a preferred lender for government-backed programs allows it to process loans for small businesses more quickly than many competitors.

The Latest Financial Performance

  • Net income was $8.0 million in the second quarter of 2026, up 26% year over year.
  • Total assets were $2.74 billion as of June 30, 2026, up 4% from Dec. 31, 2025.
  • Net interest income was $40.6 million for the first half of 2026, up 9% year over year.
  • Total deposits were $2.37 billion as of June 30, 2026, up 4% from Dec. 31, 2025.
  • Nonperforming loans rose to $17.3 million as of June 30, 2026, a 23% increase since Dec. 31, 2025.

Bottom Line

OP Bancorp has transitioned from broad expansion to a focus on high-demand markets and core community banking. Its stable deposit base and specialized lending expertise support its operations across several U.S. states.

AI Generated • Aug 8, 2026

Industry

Banks

Sector

Financials

Employees

249

CEO

Sang Kyo Oh

Website

www.myopenbank.com

Headquarters

Los Angeles, CA 90017, US

OPBK Financials

Key Financial Metrics (TTM)

Gross Margin

56.55%

Operating Margin

23.37%

Net Income Margin

16.87%

Return on Equity

12.59%

Return on Capital

10.10%

Return on Assets

1.06%

Earnings Yield

12.94%

Dividend Yield

3.46%

Payout Ratio

25.69%

Stock Overview

Market Cap

$224.14MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

14.93M

Volume

8.21K

Avg. Volume

52.38K

Financials (TTM)

Gross Profit

$97.13M

Operating Income

$40.15M

EBITDA

$48.74M

Operating Cash Flow

$27.91M

Capital Expenditure

-$4.36M

Free Cash Flow

$23.54M

Cash & ST Invst.

$224.32M

Total Debt

$109.49M

OP Bancorp Performance Analysis

OP Bancorp annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 106,262,00032.4%
20232023-12-31USD 135,798,00027.8%
20242024-12-31USD 154,079,00013.5%
20252025-12-31USD 166,546,0008.1%
OP Bancorp sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-302.4%
Q42025-12-310.1%
Q12026-03-31-0.3%
Q22026-06-303.0%
OP Bancorp annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 2.1413.8%
20232023-12-31USD 1.55-27.8%
20242024-12-31USD 1.39-10.0%
20252025-12-31USD 1.7223.6%
OP Bancorp sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-307.1%
Q42025-12-314.4%
Q12026-03-312.1%
Q22026-06-3010.4%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$43.84M

+5.3%

Gross Profit

$25.87M

+15.1%

Gross Margin

59.00%

N/A

Market Cap

$224.14MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$900.15K

N/A

Employees

249

N/A

Net Income

$7.98M

+26.0%

EBITDA

$11.04M

+24.9%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$224.32M

+9.1%

Total Debt

$109.49M

+75.9%

Accounts Receivable

$10.17M

+1.8%

Inventory

$0.00

N/A

Long Term Debt

$109.49M

+75.9%

Short Term Debt

$0.00

N/A

Return on Assets

1.06%

N/A

Return on Invested Capital

1.47%

N/A

Free Cash Flow

-$7.44M

+3.5%

Operating Cash Flow

-$7.31M

-4.7%

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Questions About OPBK

What is the current price of OP Bancorp?

OP Bancorp is trading at $14.99 per share.

What is the 52-week range for OP Bancorp?

Over the past 52 weeks, OP Bancorp has traded between $12.41 and $16.83.

How much debt does OP Bancorp have?

As of the most recent reporting period, OP Bancorp reported total debt of $109.49M.

How much cash does OP Bancorp have on hand?

OP Bancorp does not have cash on hand data available.

What is OP Bancorp’s dividend yield?

OP Bancorp currently has a dividend yield of 3.46%.

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