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OP Bancorp (OPBK)
OP Bancorp (OPBK)
Income Statement
|
Cash Flow
|
Balance Sheet
|
Ratios
Cash Flow Overview
Free Cash flow
-$7,438K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
Proceeds from sales of loans hel...
Net change in deposits
Proceeds from fhlb advances
Others
Negative Cash Flow Breakdown
Origination of loans held-for-sa...
Net change in loans receivable
Repayment of fhlb advances
Others
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Page 1
Quarterly
123
Page 1
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Dividends from bank subsidiary
-
-
7,686
-
Total noninterest expense
-
-
1,306
-
Income before income tax expense
-
-
6,380
-
Income tax benefit
-
-
-254
-
Equity in undistributed income of bank subsidiary
-
-
19,001
-
Net income
7,978
7,234
7,039
6,703
Provision for credit losses
-149
412
463
1,175
Deferred income tax expense
-1
330
-674
-532
Depreciation, amortization and accretion, net
1,749
2,067
1,631
4,892
Gains on sale of loans
3,370
2,050
1,573
2,037
Stock-based compensation
193
180
212
174
Earnings on company owned life insurance
181
178
179
178
Oreo valuation adjustment and loss on sale
-
-
-56
-
Valuation of oreo
-
-
-
-39
Proceed from oreo sale
-
-
829
-
Origination of loans held-for-sale
66,326
31,596
34,566
24,546
Proceeds from sales of loans held-for-sale
53,147
34,877
30,543
39,276
Accrued interest receivable and other assets
-561
2,308
-875
753
Accrued interest payable and other liabilities
-912
-1,251
-1,062
1,523
Net cash provided by (used in) operating activities
-7,311
7,717
3,555
23,945
Net change in loans receivable
15,577
40,021
17,854
79,249
Proceeds from matured, called, or paid-down afs debt securities
10,923
11,783
9,038
7,564
Purchase of loans
5,426
0
23,723
0
Purchase of afs debt securities
4,785
29,706
0
29,623
Purchase of fhlb stock
1,592
-
0
1
Purchase of premises and equipment, net
127
114
103
554
Net change in investments in low-income housing partnerships
215
1,636
253
2,625
Net cash used in investing activities
-16,799
-59,694
-32,895
-104,488
Net change in deposits
41,045
46,747
7,130
18,689
Proceeds from stock option exercise
-
-
0
0
Proceeds from fhlb advances
15,000
25,000
0
75,000
Repayment of fhlb advances
15,000
25,000
0
50,000
Proceeds from issuance of subordinated note, net of cost
-
-
24,574
-
Repurchase of common stock
0
-
-7
0
Cash dividend paid on common stock
2,084
1,787
1,787
1,786
Payments related to tax-withholding for vested restricted stock awards
60
34
21
0
Net cash provided by financing activities
38,901
44,926
29,903
41,903
Net change in cash and cash equivalents
14,791
-7,051
563
-38,640
Cash and cash equivalents at beginning of period
160,260
167,311
166,748
134,943
Cash and cash equivalents at end of period
175,051
160,260
167,311
166,748
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
Show the time plot by selecting a row from the table.
Cash Flow
Net change in
deposits
$41,045K
(-81.95%↓ Y/Y)
Proceeds from fhlb
advances
$15,000K
(-70.00%↓ Y/Y)
Net cash provided by
financing activities
$38,901K
(-78.07%↓ Y/Y)
Canceled cashflow
$17,144K
Net change in cash
and cash...
$14,791K
(-79.00%↓ Y/Y)
Canceled cashflow
$24,110K
Repayment of fhlb advances
$15,000K
(-84.21%↓ Y/Y)
Cash dividend paid on
common stock
$2,084K
(-41.46%↓ Y/Y)
Payments related to
tax-withholding for vested...
$60K
(-92.07%↓ Y/Y)
Proceeds from matured,
called, or paid-down afs...
$10,923K
(-22.63%↓ Y/Y)
Proceeds from sales of
loans held-for-sale
$53,147K
(-12.42%↓ Y/Y)
Net income
$7,978K
(-32.92%↓ Y/Y)
Depreciation, amortization
and accretion, net
$1,749K
(136.03%↑ Y/Y)
Accrued interest
receivable and other assets
-$561K
(-123.36%↓ Y/Y)
Stock-based compensation
$193K
(-38.34%↓ Y/Y)
Net cash used in
investing activities
-$16,799K
(84.10%↑ Y/Y)
Net cash provided by
(used in) operating...
-$7,311K
(-446.00%↓ Y/Y)
Canceled cashflow
$10,923K
Canceled cashflow
$63,628K
Net change in loans
receivable
$15,577K
(-86.39%↓ Y/Y)
Purchase of loans
$5,426K
Origination of loans
held-for-sale
$66,326K
(-10.26%↓ Y/Y)
Purchase of afs debt
securities
$4,785K
Purchase of fhlb stock
$1,592K
(194.81%↑ Y/Y)
Net change in
investments in low-income...
$215K
(-91.75%↓ Y/Y)
Purchase of premises and
equipment, net
$127K
(-94.08%↓ Y/Y)
Gains on sale of loans
$3,370K
(-2.60%↓ Y/Y)
Accrued interest
payable and other...
-$912K
(-806.98%↓ Y/Y)
Earnings on company owned
life insurance
$181K
(-47.84%↓ Y/Y)
Provision for credit
losses
-$149K
(-107.67%↓ Y/Y)
Deferred income tax
expense
-$1K
(-100.08%↓ Y/Y)
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