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OP Bancorp(NASDAQ) OPBK

Current Price$14.76
Market Cap$219.39MMarket 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)+61%
5 Year+74%
1 Year+12%
1 Month+2%
OP Bancorp last closing stock price
MetricPriceDate
Last closeUSD 14.732026-07-22
OP Bancorp stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-1.34%USD 14.932026-07-15
1 month+2.22%USD 14.412026-06-22
3 month+5.4%USD 13.982026-04-23
Year to date+6.21%USD 13.872025-12-31
1 year+12.15%USD 13.132025-07-22
3 year+80.37%USD 8.172023-07-21
5 year+73.91%USD 8.472021-07-23
Since inception+60.67%USD 9.312005-07-22

OP Bancorp Financials at a Glance

Market Cap

$219.39MMarket 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)

$169.55M

Net Income (TTM)

$27.33M

EPS (TTM)

$1.83

P/E Ratio

8.05

Dividend

$0.50

Beta (Volatility)

0.68 (Low)

Price

$14.76

Volume

711

Open

$14.77

Previous Close

$14.76

Daily Range

$14.44 - $14.85

52-Week Range

$12.41 - $15.73

Estimated Earnings Date

Jul 23, 2026

OPBK News

No articles available.

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About OP Bancorp

OP Bancorp helps people and businesses manage money and get loans. Its services support small businesses, homeowners, and local communities. Customers use its accounts and loans for daily banking and business growth.

Products and Services

  • Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses (no revenue split disclosed).
  • Commercial Loans: Loans for real estate, business operations, and equipment, mainly for small and medium businesses (CRE loans: 52% of gross loans).
  • SBA Loans: Government-backed loans for small businesses, including 7(a) and 504 programs (SBA loans: 12% of gross loans).
  • Home Mortgages: Loans for buying or refinancing homes, often with flexible documentation (26% of gross loans).
  • Cash Management: Services like wire transfers, ACH payments, and remote deposit for business clients (no revenue split disclosed).

Growth and Expansion

  • Opened a new branch in Garden Grove, California in July 2025.
  • Issued a $25M subordinated note in November 2025.
  • Expanded to 12 full-service branches and 5 loan production offices by 2025.
  • Upgraded core systems in late 2024.
  • Grew mainly through opening new branches, not by acquiring other banks.

What Makes OP Bancorp Special

OP Bancorp focuses on community banking, especially for the Korean-American community. It donates 10% of after-tax profits to local charities each year. The company relies on local decision-making and a diversified loan portfolio to manage risk.

Five Things You Need to Know

  • Net income was $25.6 million in 2025, up 22% from 2024.
  • Gross loans reached $2.19 billion in 2025, up 12% year-over-year.
  • Deposits totaled $2.28 billion in 2025, up 12% from 2024.
  • Return on average equity was 11.91% in 2025, up from 10.68% in 2024.
  • Book value per share was $15.31 at year-end 2025, up from $13.83.

Bottom Line

OP Bancorp has grown by serving local businesses and communities with a focus on relationship banking. Its steady expansion and diversified services support stable financial performance.

AI Generated • Apr 16, 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

55.29%

Operating Margin

22.15%

Net Income Margin

16.12%

Return on Equity

12.20%

Return on Capital

10.10%

Return on Assets

1.01%

Earnings Yield

12.42%

Dividend Yield

3.39%

Payout Ratio

26.13%

Stock Overview

Market Cap

$219.39MMarket 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

14.89M

Volume

711

Avg. Volume

42.81K

Financials (TTM)

Gross Profit

$93.75M

Operating Income

$37.55M

EBITDA

$46.54M

Operating Cash Flow

$28.23M

Capital Expenditure

-$4.96M

Free Cash Flow

$23.28M

Cash & ST Invst.

$169.76M

Total Debt

$110.12M

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
Q22025-06-304.9%
Q32025-09-302.4%
Q42025-12-310.1%
Q12026-03-31-0.3%
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
Q22025-06-3013.5%
Q32025-09-307.1%
Q42025-12-314.4%
Q12026-03-312.1%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

$42.57M

+7.3%

Gross Profit

$24.14M

+12.3%

Gross Margin

56.71%

N/A

Market Cap

$219.39MMarket 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

$881.09K

N/A

Employees

249

N/A

Net Income

$7.23M

+30.1%

EBITDA

$11.98M

+49.1%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

$169.76M

-14.7%

Total Debt

$110.12M

+30.8%

Accounts Receivable

$10.68M

+8.2%

Inventory

$0.00

N/A

Long Term Debt

$110.12M

+30.8%

Short Term Debt

$0.00

N/A

Return on Assets

1.01%

N/A

Return on Invested Capital

10.54%

N/A

Free Cash Flow

$7.60M

+80.1%

Operating Cash Flow

$7.72M

+36.7%

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Questions About OPBK

What is the current price of OP Bancorp?

OP Bancorp is trading at $14.76 per share.

What is the 52-week range for OP Bancorp?

Over the past 52 weeks, OP Bancorp has traded between $12.41 and $15.73.

How much debt does OP Bancorp have?

As of the most recent reporting period, OP Bancorp reported total debt of $110.12M.

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 3.39%.

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