OP Bancorp (OPBK) — Financial statements
Income statement, balance sheet, and cash flow for OP Bancorp — annual and quarterly history with growth and margin analysis.
| Metric (USD Millions) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
| Revenue & Gross Profit | ||||||
| Revenue | 167↑8.2% | 154↑13.4% | 136↑28.4% | 106↑32.0% | 80 | |
| Cost of Revenue | 76↑1.1% | 75↑36.9% | 55↑282.6% | 14↑290.7% | 4 | |
| Gross Profit | 91↑14.9% | 79↓2.4% | 81↓11.3% | 92↑19.6% | 77 | |
| Operating Expenses | ||||||
| R&D Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| General & Administrative Expenses | 2↓94.7% | 34↑7.2% | 32↑10.6% | 29↑27.9% | 22 | |
| Selling & Marketing Expenses | 0.51↓5.3% | 0.53↓13.2% | 0.61↑13.1% | 0.54↓20.6% | 0.68 | |
| SG&A Expenses | 2↓93.4% | 35↑6.9% | 32↑10.7% | 29↑26.5% | 23 | |
| Other Expenses | 53↑242.0% | 16↑1.7% | 15↓1.4% | 16↑22.4% | 13 | |
| Operating Expenses | 56↑11.1% | 50↑5.2% | 48↑6.5% | 45↑25.0% | 36 | |
| Total Costs & Expenses | 131↑5.1% | 125↑22.1% | 102↑73.2% | 59↑49.6% | 40 | |
| Operating Results | ||||||
| Operating Income | 35↑21.5% | 29↓13.2% | 33↓28.3% | 47↑14.9% | 41 | |
| Depreciation & Amortization | 7↑433.7% | 1↑1.9% | 1↓2.3% | 1↑4.0% | 1 | |
| EBITDA | 43↑39.9% | 30↓12.6% | 35↓27.6% | 48↑14.6% | 42 | |
| EBIT | 35↑21.5% | 29↓13.2% | 33↓28.3% | 47↑14.9% | 41 | |
| Interest & Other Income | ||||||
| Net Interest Income | 78↑19.4% | 66↓4.5% | 69↓10.7% | 77↑26.0% | 61 | |
| Interest Income | 150↑9.2% | 138↑13.1% | 122↑37.9% | 88↑37.5% | 64 | |
| Interest Expense | 72↓0.0% | 72↑35.9% | 53↑368.8% | 11↑260.8% | 3 | |
| Non-Operating Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Other Income / Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Income Before Tax | 35↑21.5% | 29↓13.2% | 33↓28.3% | 47↑14.9% | 41 | |
| Income Tax Expense | 10↑20.7% | 8↓16.3% | 10↓28.6% | 13↑13.7% | 12 | |
| Net Income & EPS | ||||||
| Net Income from Continuing Operations | 26↑21.8% | 21↓11.9% | 24↓28.2% | 33↑15.5% | 29 | |
| Net Income from Discontinued Operations | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Net Income | 26↑21.8% | 21↓11.9% | 24↓28.2% | 33↑15.5% | 29 | |
| Bottom-Line Net Income | 26↑24.0% | 21↓11.7% | 23↓28.1% | 33↑14.4% | 29 | |
| EPS (Basic) | 1.72↑23.7% | 1.39↓10.3% | 1.55↓27.9% | 2.15↑13.8% | 1.89 | |
| EPS (Diluted) | 1.72↑23.7% | 1.39↓10.3% | 1.55↓27.6% | 2.14↑13.8% | 1.88 | |
| Weighted Average Shares | 15↑0.0% | 15↓1.8% | 15↓0.1% | 15↑0.6% | 15 | |
| Weighted Average Diluted Shares | 15↑0.2% | 15↓1.9% | 15↓0.5% | 15↑0.5% | 15 | |
* All figures in Millions of USD, except per share data. Growth rates calculated Year-over-Year (YoY). Data source: SEC Filings.