OPBK
OP Bancorp
NASDAQ · Financial Services · Banks - Regional · US
$15.30
+1.08%Income statement
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Revenue | |||||
| Total Revenue | 175.8M | 166.7M | 154.0M | 135.8M | 105.8M |
| Cost of Revenue | 76.1M | 75.6M | 74.8M | 54.6M | 14.3M |
| Gross Profit | 99.7M | 91.1M | 79.3M | 81.2M | 91.6M |
| Operating Expenses | |||||
| R&D Expense | — | — | — | — | — |
| SG&A Expense | 44.0M | 2.3M | 34.6M | 32.3M | 29.2M |
| General & Admin Expense | 43.9M | 1.8M | 34.0M | 31.7M | 28.7M |
| Selling & Marketing Expense | 111.0K | 505.0K | 533.0K | 614.0K | 543.0K |
| Other Expenses | 14.8M | 53.5M | 15.6M | 15.4M | 15.6M |
| Total Operating Expenses | 58.9M | 55.8M | 50.2M | 47.7M | 44.8M |
| Cost and Expenses | 134.9M | 131.3M | 125.0M | 102.4M | 59.1M |
| Operating Income (EBIT) | 40.9M | 35.3M | 29.1M | 33.5M | 46.7M |
| Non-Operating | |||||
| Interest Income | 157.4M | 150.3M | 137.6M | 121.7M | 88.2M |
| Interest Expense | 73.7M | 72.0M | 72.0M | 53.0M | 11.3M |
| Net Interest Income | 83.7M | 78.3M | 65.6M | 68.7M | 76.9M |
| Other Non-Op Income/Expense | — | — | — | — | — |
| Non-Operating Income (excl Interest) | — | — | — | — | — |
| EBT (Pre-Tax Income) | 40.9M | 35.3M | 29.1M | 33.5M | 46.7M |
| Income Tax Expense | 10.8M | 9.7M | 8.0M | 9.6M | 13.4M |
| Bottom Line | |||||
| Net Income | 30.0M | 25.7M | 21.1M | 23.9M | 33.3M |
| Earnings from Cont. Ops | 30.0M | 25.7M | 21.1M | 23.9M | 33.3M |
| Earnings from Discont. Ops | — | — | — | — | — |
| Bottom Line Net Income | 30.0M | 25.7M | 20.7M | 23.4M | 32.6M |
| Per Share | |||||
| Basic EPS | $2.02 | $1.72 | $1.39 | $1.55 | $2.15 |
| Diluted EPS | $2.00 | $1.72 | $1.39 | $1.55 | $2.14 |
| Revenue Per Share | $11.77 | $11.21 | $10.36 | $8.97 | $6.98 |
| Shares | |||||
| Basic Shares Outstanding | 14.9M | 14.9M | 14.9M | 15.2M | 15.2M |
| Diluted Shares Outstanding | 15.0M | 14.9M | 14.9M | 15.2M | 15.2M |
| Profitability Metrics | |||||
| EBITDA | 44.6M | 42.6M | 30.4M | 34.8M | 48.1M |
| D&A | 3.7M | 7.3M | 1.4M | 1.3M | 1.4M |
| EBIT | 40.9M | 35.3M | 29.1M | 33.5M | 46.7M |
As reported, in the filing currency · TTM sums the four latest quarters; MRQ is the latest quarter · Negatives in parentheses; a dash is a line the filing does not carry · Data as of Sep 1, 2026