Financial insights of OPBK

MyFinsight

OP Bancorp (OPBK)

Income Overview

Revenue
$463K
Net Income
$7,234K
Net Profit Margin
1562.42%
EPS
$0.48
Unit: Thousand (K) dollars

Income Statement	2026-03-31	2025-12-31	2025-09-30	2025-06-30
Service charges on deposits	463	591*	725	1,017
Loan servicing fees, net of amortization	722	845*	724	900
Gains on sale of loans	2,050	1,853*	2,037	1,441
Other income	797	896*	644	610
Total noninterest income	4,032	4,185*	4,130	3,968
Interest and fees on loans	34,879	40,602*	35,001	34,263
Interest on afs debt securities	1,761	1,608*	1,699	1,437
Other interest income	1,897	1,462*	1,822	1,965
Total interest income	38,537	43,671*	38,522	37,665
Interest on deposits	16,845	16,682*	17,442	17,475
Interest on borrowings	679	1,049*	734	469
Interest on subordinated note	490	70*	NaN	NaN
Total interest expense	18,014	17,800*	18,176	17,944
Net interest income	20,523	25,871*	20,346	19,721
Provision for credit losses	412	9*	1,175	1,206
Net interest income after provision for credit losses	20,111	25,862*	19,171	18,515
Salaries and employee benefits	9,276	9,037*	8,892	9,075
Occupancy and equipment	1,811	1,870*	1,676	1,584
Data processing and communication	411	603*	263	306
Professional fees	399	538*	419	418
Fdic insurance and regulatory assessments	418	382*	428	506
Promotion and advertising	120	-32*	126	232
Directors fees	144	154*	151	198
Foundation donation and other contributions	725	610*	671	636
Other expenses	929	1,115*	1,003	1,082
Total noninterest expense	14,233	14,274*	13,629	14,037
Income before income tax expense	9,910	15,773	9,672	8,446
Income tax expense	2,676	NaN	2,969	2,113
Net income	7,234	NaN	6,703	6,333

Basic EPS	0.49	1.061	0.45	0.42
Diluted EPS	0.48	1.056	0.45	0.42
Basic Average Shares	14,890,929	14,871,955	14,885,614	14,859,718
Diluted Average Shares	14,930,173	14,938,970	14,919,474	14,859,718

Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

MyFinsight

Income Overview

Revenue
$463K
Net Income
$7,234K
Net Profit Margin
1562.42%
EPS
$0.48
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Revenue
$463K
Net Income
$7,234K
Net Profit Margin
1562.42%
EPS
$0.48
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Revenue$463KNet Income$7,234KNet Profit Margin1562.42%EPS$0.48Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Revenue$463KNet Income$7,234KNet Profit Margin1562.42%EPS$0.48Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Revenue
$463K
Net Income
$7,234K
Net Profit Margin
1562.42%
EPS
$0.48
Unit: Thousand (K) dollars

Revenue
$463K
Net Income
$7,234K
Net Profit Margin
1562.42%
EPS
$0.48
Unit: Thousand (K) dollars