# OP Bancorp (OPBK)

**Exchange:** NASDAQ  
**Sector:** Financial Services  
**Market cap:** $212M  
**Price:** $14.24

> OP Bancorp is a financial holding company primarily engaged in the banking sector through its wholly-owned subsidiary, Open Bank. Open Bank serves as a full-service commercial bank focused on providing tailored financial services to businesses and individuals. With a strong emphasis on the small to medium-sized enterprise segment, OP Bancorp offers an array of products including business checking and savings accounts, commercial loans, and cash management solutions. It also delivers personalized banking experiences through online and mobile platforms, addressing the needs of its digital-savvy clientele.

OP Bancorp's operations are centered in Southern California, a region known for its diverse and dynamic economic landscape. This geographical focus allows the bank to address specific community banking needs while fostering organic growth through relationship-driven banking practices. OP Bancorp plays a critical role in supporting the local economy by facilitating entrepreneurship and providing financial resources essential for business development. With a commitment to expanding its service offerings, OP Bancorp continues to enhance its market presence in the ever-evolving financial services industry.

## Income Statement (Annual, USD)

| Fiscal Year | Revenue | Gross Profit | Operating Income | Net Income | EPS (dil.) |
| --- | --- | --- | --- | --- | --- |
| 2025 | $3M | — | — | $26M | — |
| 2024 | $3M | — | — | $21M | — |
| 2023 | $2M | — | — | $24M | — |
| 2022 | $2M | — | — | $33M | — |
| 2021 | $2M | — | — | $29M | — |
| 2020 | $1M | — | — | $13M | — |
| 2019 | $2M | — | — | $17M | — |
| 2018 | $2M | — | — | $14M | — |
| 2017 | $2M | — | — | $9M | — |
| 2016 | $1M | — | — | $7M | — |

## Balance Sheet (Annual, USD)

| Fiscal Year | Total Assets | Total Liabilities | Equity | Cash | Long-term Debt |
| --- | --- | --- | --- | --- | --- |
| 2025 | $2.65B | $2.42B | $228M | $167M | — |
| 2024 | $2.37B | $2.16B | $205M | $135M | — |
| 2023 | $2.15B | $1.96B | $193M | $91M | — |
| 2022 | $2.09B | $1.92B | $177M | $83M | — |
| 2021 | $1.73B | $1.56B | $165M | $115M | — |
| 2020 | $1.37B | $1.22B | $143M | $106M | — |
| 2019 | $1.18B | $1.04B | $141M | $86M | — |
| 2018 | $1.04B | $914M | $130M | $78M | — |
| 2017 | $901M | $810M | $91M | $63M | — |

## Cash Flow (Annual, USD)

| Fiscal Year | Operating Cash Flow | CapEx | Free Cash Flow |
| --- | --- | --- | --- |
| 2025 | $26M | $3M | $23M |
| 2024 | $31M | $2M | $30M |
| 2023 | $68M | $2M | $66M |
| 2022 | $84M | $1M | $82M |
| 2021 | -$28M | $1M | -$29M |
| 2020 | -$5M | $619,000 | -$5M |
| 2019 | $19M | $2M | $17M |
| 2018 | $31M | $1M | $29M |
| 2017 | -$2M | $421,000 | -$3M |
| 2016 | $11M | $259,000 | $10M |

Source: [CompaniesByCap](https://companiesbycap.com/company/OPBK)