OP Bancorp
NASDAQ:OPBK · NASDAQ Global Market
+$0.07 today
Vol 0.12M · Avg 0.04M
Income Statement
Follow revenue through to earnings
Review sales, margins, expenses, and profit trends to see what is actually driving reported earnings over time.
Stock Ticker Earnings Waterfall
NASDAQ:OPBK · Revenue to Net Income
Key Ratios
Analysis
$169.6M of revenue converted into $27.3M of net income for the selected period. Gross margin is 55.3% and net margin is 16.1%, showing how much revenue survives after costs and taxes. EPS is $1.82, tying the income statement back to per-share earnings.
Income Statement
Annual data · 5 periods
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $166.7M +8.2% | $154.0M +13.4% | $135.8M +28.4% | $105.8M +32.0% | $80.2M | $809.6M | $921.6M | $731.2M |
| Cost of Revenue | $75.6M +1.1% | $74.8M +36.9% | $54.6M +282.6% | $14.3M +290.7% | $3.7M | $725.6M | $804.0M | $882.4M |
| Gross Profit | $91.1M +14.9% | $79.3M -2.4% | $81.2M -11.3% | $91.6M +19.6% | $76.5M | $8.9B | $7.6B | $6.2B |
| Gross Margin | 54.7% +3.2pp | 51.5% -8.3pp | 59.8% -26.7pp | 86.5% -8.9pp | 95.4% | 9.8% | 28.9% | 38.3% |
| Research & Development | $0 | $0 | $0 | $0 | $0 | $983.2M | $1.3B | $490.4M |
| Selling, General & Admin | $2.3M -93.4% | $34.6M +6.9% | $32.3M +10.7% | $29.2M +26.5% | $23.1M | $620.6M | $923.0M | -$1.5B |
| Operating Expenses | $55.8M +11.1% | $50.2M +5.2% | $47.7M +6.5% | $44.8M +25.0% | $35.9M | $5.3B | $7.0B | $8.7B |
| Depreciation & Amortization | $7.3M +433.7% | $1.4M +1.9% | $1.3M -2.3% | $1.4M +4.0% | $1.3M | $374.2M | $1.2B | $631.8M |
| EBITDA | $42.6M +39.9% | $30.4M -12.6% | $34.8M -27.6% | $48.1M +14.6% | $42.0M | -$15.2B | $6.8B | $9.3B |
| EBITDA Margin | 25.6% +5.8pp | 19.8% -5.9pp | 25.6% -19.8pp | 45.4% -6.9pp | 52.3% | 5.6% | 46.3% | 42.0% |
| Operating Income | $35.3M +21.5% | $29.1M -13.2% | $33.5M -28.3% | $46.7M +14.9% | $40.7M | $12.3B | $14.0B | -$15.7B |
| Operating Margin | 21.2% +2.3pp | 18.9% -5.8pp | 24.7% -19.5pp | 44.1% -6.6pp | 50.7% | 16.6% | 24.1% | 22.0% |
| Interest Income | $150.3M +9.2% | $137.6M +13.1% | $121.7M +37.9% | $88.2M +37.5% | $64.2M | -$1.5B | -$1.6B | $405.0M |
| Interest Expense | $72.0M -0.0% | $72.0M +35.9% | $53.0M +368.8% | $11.3M +260.8% | $3.1M | $1.1B | $1.0B | $1.2B |
| Other Income / Expenses | $0 | $0 | $0 | $0 | $0 | -$1.5B | $1.4B | $1.2B |
| Income Before Tax | $35.3M +21.5% | $29.1M -13.2% | $33.5M -28.3% | $46.7M +14.9% | $40.7M | $3.3B | $4.9B | $3.6B |
| Pre-Tax Margin | 21.2% +2.3pp | 18.9% -5.8pp | 24.7% -19.5pp | 44.1% -6.6pp | 50.7% | 20.8% | 18.7% | 26.2% |
| Income Tax Expense | $9.7M +20.7% | $8.0M -16.3% | $9.6M -28.6% | $13.4M +13.7% | $11.8M | $1.3B | -$1.6B | $745.2M |
| Net Income | $25.7M +21.8% | $21.1M -11.9% | $23.9M -28.2% | $33.3M +15.5% | $28.8M | $4.9B | $4.8B | $4.7B |
| Net Margin | 15.4% +1.7pp | 13.7% -3.9pp | 17.6% -13.9pp | 31.5% -4.5pp | 36.0% | 12.4% | 17.5% | 22.5% |
| EPS (Basic) | $2 +23.7% | $1 -10.3% | $2 -27.9% | $2 +13.8% | $2 | $400.8M | $703.2M | $1.3B |
| EPS (Diluted) | $2 +23.7% | $1 -10.3% | $2 -27.6% | $2 +13.8% | $2 | $766.2M | $609.4M | $452.6M |
| Weighted Avg Shares | $14.9M +0.0% | $14.9M -1.8% | $15.2M -0.1% | $15.2M +0.6% | $15.1M | $757.8M | $925.8M | $1.1B |
| Weighted Avg Shares (Diluted) | $14.9M +0.2% | $14.9M -1.9% | $15.2M -0.5% | $15.2M +0.5% | $15.2M | $1.2B | $924.4M | $678.0M |
Older periods hidden.
Sign in to unlockCompetitors
Peer companies in the same sector
Avidbank Holdings, Inc.
NASDAQ:AVBH
$276.73M
Franklin Financial Services Corporation
NASDAQ:FRAF
$274.07M
Ames National Corporation
NASDAQ:ATLO
$261.55M
Hawthorn Bancshares, Inc.
NASDAQ:HWBK
$257.73M
Chain Bridge Bancorp, Inc.
NYSE:CBNA
$248.69M
LCNB Corp.
NASDAQ:LCNB
$244.60M
First Community Corporation
NASDAQ:FCCO
$241.61M
First Savings Financial Group, Inc.
FSFG
$238.37M
Eagle Financial Services, Inc.
NASDAQ:EFSI
$225.99M
MainStreet Bancshares, Inc.
NASDAQ:MNSB
$170.11M
SEC Filings
Recent regulatory filings
No filings found.
How much revenue does OPBK generate?
OP Bancorp (OPBK) reported $166.66M of revenue in fiscal 2025.
Is OPBK profitable?
OP Bancorp (OPBK) reported $25.66M of net income, with a net margin of 15.4%.
Explore More
Continue the stock analysis
Jump to another research area for this company.