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OP Bancorp key statistics and ratios

In fiscal 2025, OP Bancorp had return on equity of 11.8% and a net margin of 27.1%. Each ratio below is calculated from the figures on its income statement, balance sheet and cash flow pages.

Financial ratios

US$ thousands unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year2016Dec 20162017Dec 20172018Dec 20182019Dec 20192020Dec 20202021Dec 20212022Dec 20222023Dec 20232024Dec 20242025Dec 2025LTMJun 2026
Net margin19.9%20.7%28.3%30.1%23.4%37.4%35.2%28.9%25.7%27.1%29.2%
Return on equity9.1%10.7%12.9%12.4%9.2%18.7%19.5%12.9%10.6%11.8%12.4%
Return on assets—1.0%1.5%1.5%1.0%1.9%1.7%1.1%0.9%1.0%1.1%
Effective tax rate39.7%46.1%26.7%24.1%28.0%29.1%28.7%28.6%27.5%27.4%27.9%
Dividends ÷ net income———18.8%32.5%17.8%20.0%30.4%33.9%27.8%25.7%

Returns use average equity or assets over the year. Return on equity is left blank when equity is negative or so small that the ratio says nothing (above ±200%); interest cover is left blank above 200 times. Price-based ratios such as P/E are on the valuation page.

Moat

80 /100

Strong moat

How hard OP Bancorp's competitive advantage looks for rivals to wear away, judged from 9 years of its own filings: returns on capital, pricing power, profit durability, cash conversion and discipline.

  • Returns on capital 15 / 20

    Net income has been a median 1.2% of total assets over 9 years.

  • Durability 20 / 20

    Net margin has been a median 29.2%; its worst year was 24.2%.

  • Discipline 17 / 20

    The diluted share count fell 1.0% over five years; stock-based pay has been a median 1.4% of revenue.

AI disruption exposure: Medium. In this industry, AI could change how the product is made or sold, without replacing the core asset. The score above includes a 5-point deduction for that exposure (86 before it).

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Compare with peers

Head to head: FDBC vs OPBKBSVN vs OPBKBCBP vs OPBK

More: Regional Banks stocks compared, Financials sector, rankings of US companies

Figures from OP Bancorp's SEC filings (10-K and 10-Q), retrieved October 29, 2026. How we read and check them: methodology and data sources. Not investment advice. Back to OP Bancorp.