OP Bancorp logo
OP Bancorp OPBK

Annual report 2025
added 03-13-2026

report update icon

OP Bancorp Financial Ratios 2011-2026 | OPBK

Annual Financial Ratios OP Bancorp

2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011

P/E

- 7.4 6.6 4.8 7.4 8.4 9.5 9.6 16.6 12.3 13.0 19.7 10.8 2.5 -

P/S

- 47.7 74.6 94.7 135.9 76.7 2.9 2.7 3.4 2.4 2.6 3.5 3.2 1.2 -

EPS

1.7 1.4 1.6 2.1 1.9 0.8 1.0 0.9 0.7 0.6 - - - - -

EV (Enterprise Value)

2.26 B 2.18 B 2.02 B 1.99 B 1.66 B 1.23 B 1.11 B 974 M 900 M 771 M 623 M 551 M 365 M 195 M -

EBITDA per Share

0.49 0.31 0.3 0.09 0.09 0.09 - - - - - - - - -

EV/EBITDA

1261.2 0.6 - - - - - - - - -

PEG

- -0.48 0.73 0.16 3.05 0.84 0.4 -0.42 -0.54 0.01 -

P/B

- 0.8 0.8 0.9 1.3 0.8 1.1 1.1 1.7 1.1 1.1 1.3 1.7 0.6 -

P/CF

- 5.0 2.3 1.9 -7.5 -22.6 9.7 4.7 -59.7 8.9 11.0 3.9 -10.2 -3.3 -

ROE %

11.25 10.28 12.42 18.83 17.46 9.16 11.92 10.98 10.10 9.14 8.23 6.85 15.88 23.93 -

ROA %

0.97 0.89 1.11 1.59 1.67 0.96 1.42 1.36 1.03 0.98 0.97 0.85 1.45 3.01 -

Current Ratio

1.1 1.1 1.1 1.1 1.1 1.1 - - - - - - - - -

DSO

1120.4 976.4 1327.2 1281.2 1000.6 912.0 20.7 22.3 20.1 19.6 18.7 17.0 17.7 13.8 -

Operating Cycle

1120.4 976.4 1327.2 1281.2 1000.6 912.0 - - - - - - - - -

Cash Conversion Cycle

1120.4 976.4 1327.2 1281.2 1000.6 912.0 - - - - - - - - -

All numbers in USD currency

Quarterly Financial Ratios OP Bancorp

2025-Q3 2025-Q1 2024-Q4 2024-Q3 2024-Q2 2024-Q1 2023-Q4 2023-Q3 2023-Q2 2023-Q1 2022-Q4 2022-Q3 2022-Q2 2022-Q1 2021-Q4 2021-Q3 2021-Q2 2021-Q1 2020-Q4 2020-Q3 2020-Q2 2020-Q1 2019-Q4 2019-Q3 2019-Q2 2019-Q1 2018-Q4 2018-Q3 2018-Q2 2018-Q1 2017-Q4 2017-Q3 2017-Q2 2017-Q1 2016-Q4 2016-Q3 2016-Q2 2016-Q1 2015-Q4 2015-Q3 2015-Q2 2015-Q1 2014-Q4 2014-Q3 2014-Q2 2014-Q1 2013-Q4 2013-Q3 2013-Q2 2013-Q1 2012-Q4 2012-Q3 2012-Q2 2012-Q1 2011-Q4 2011-Q3 2011-Q2 2011-Q1

EPS

0.45 0.37 - 0.36 0.36 0.34 - 0.33 0.39 0.48 - 0.56 0.55 0.53 0.6 0.54 0.42 0.33 0.25 0.23 0.16 0.21 0.26 0.25 0.24 0.29 0.23 0.22 0.24 0.23 0.14 0.2 0.18 0.16 - - - - - - - - - - - - - - - - - - - - - - - -

EBITDA per Share

0.03 0.02 - 0.02 0.02 0.02 - 0.02 0.02 0.02 - 0.02 0.02 0.03 - 0.07 0.04 0.02 - 0.06 0.04 0.02 - 0.05 0.03 0.02 - 0.05 0.03 0.02 - 0.06 0.04 0.02 - - - - - - - - - - - - - - - - - - - - - - - -

ROE %

11.01 10.76 8.13 10.91 11.01 11.56 10.19 15.28 17.58 19.27 15.00 20.53 20.64 19.84 18.38 15.52 12.82 10.31 9.16 9.47 9.81 10.85 11.92 11.85 11.68 11.88 10.98 10.16 10.46 10.23 10.10 8.02 5.04 2.34 - - - - - - - - - - - - - - - - - - - - - - - -

ROA %

0.93 0.91 0.70 0.94 0.95 0.99 0.87 1.30 1.48 1.64 1.30 1.83 1.90 1.86 1.77 1.52 1.29 1.07 0.96 1.04 1.11 1.26 1.42 1.43 1.42 1.46 1.36 1.22 1.18 1.10 1.03 0.81 0.51 0.24 - - - - - - - - - - - - - - - - - - - - - - - -

Current Ratio

1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 - - - - - - - - - - - - - - - - - - - - - - - -

DSO

1271.7 869.6 - 925.5 973.8 1239.7 - 1245.7 1194.8 1580.7 - 1102.2 1069.0 1113.8 - 825.5 762.2 910.1 - 1088.7 1220.2 886.6 - 738.9 579.0 539.7 - 578.4 703.4 469.9 - 571.0 579.9 - - - - - - - - - - - - - - - - - - - - - - - - -

Operating Cycle

1271.7 869.6 - 925.5 973.8 1239.7 - 1245.7 1194.8 1580.7 - 1102.2 1069.0 1113.8 - 825.5 762.2 910.1 - 1088.7 1220.2 886.6 - 738.9 579.0 539.7 - 578.4 703.4 469.9 - 571.0 579.9 - - - - - - - - - - - - - - - - - - - - - - - - -

Cash Conversion Cycle

1271.7 869.6 - 925.5 973.8 1239.7 - 1245.7 1194.8 1580.7 - 1102.2 1069.0 1113.8 - 825.5 762.2 910.1 - 1088.7 1220.2 886.6 - 738.9 579.0 539.7 - 578.4 703.4 469.9 - 571.0 579.9 - - - - - - - - - - - - - - - - - - - - - - - - -

All numbers in USD currency

Multiples are an important financial analysis tool for the company OP Bancorp, allowing investors and analysts to quickly assess the company’s value and investment attractiveness based on the ratio of market indicators to the company’s financial performance. Essentially, multiples express how the market values the company relative to its earnings, revenue, equity, or other key metrics.

Advantages of Using Financial Ratios
  • Simplified Data Analysis
    Financial ratios transform large volumes of accounting data into compact and easily interpretable indicators, significantly simplifying the assessment of the company’s condition.
  • Comparability Between Companies
    Multiples standardize financial metrics, enabling objective comparison of companies of different sizes, industries, and market capitalizations.
  • Identification of Trends and Issues
    Regular analysis of ratios helps track the dynamics of financial health, identify strengths and weaknesses of the business, as well as potential risks.
  • Decision Support
    Financial multiples serve as an important tool for investors, creditors, and company management in making investment, credit, and managerial decisions.
  • Accelerated Assessment of Investment Attractiveness
    Ratios allow quick determination of key performance, liquidity, and financial stability indicators, facilitating prompt evaluation of companies’ attractiveness for investments.

Using multiples enables comparison between companies, even if they differ in size or industry, as they standardize financial data into ratios convenient for analysis. This is especially useful for evaluating companies where direct analysis of financial statements may be complex or require in-depth knowledge.

Financial Ratios of other stocks in the Banks regional industry

Issuer Price % 24h Market Cap Country
Signature Bank Signature Bank
SBNY
- - $ 4.41 B usaUSA
Amalgamated Bank Amalgamated Bank
AMAL
$ 39.67 0.69 % $ 1.2 B usaUSA
Atlantic Capital Bancshares Atlantic Capital Bancshares
ACBI
- -1.48 % $ 566 M usaUSA
Allegiance Bancshares Allegiance Bancshares
ABTX
- -0.86 % $ 1.51 B usaUSA
First Midwest Bancorp, Inc. First Midwest Bancorp, Inc.
FMBI
- -1.2 % $ 2.26 B usaUSA
Arrow Financial Corporation Arrow Financial Corporation
AROW
$ 34.23 0.29 % $ 565 M usaUSA
Ames National Corporation Ames National Corporation
ATLO
$ 28.49 0.46 % $ 253 M usaUSA
Atlantic Union Bankshares Corporation Atlantic Union Bankshares Corporation
AUB
$ 36.08 -0.03 % $ 4.65 B usaUSA
Auburn National Bancorporation Auburn National Bancorporation
AUBN
$ 23.19 - $ 81 M usaUSA
American National Bankshares American National Bankshares
AMNB
- - $ 508 M usaUSA
Axos Financial Axos Financial
AX
$ 85.51 0.18 % $ 4.86 B usaUSA
Banc of California Banc of California
BANC
$ 17.73 0.57 % $ 2.83 B usaUSA
Banco BBVA Argentina S.A. Banco BBVA Argentina S.A.
BBAR
$ 16.25 1.5 % $ 450 B argentinaArgentina
Banco Bradesco S.A. Banco Bradesco S.A.
BBDO
$ 3.38 1.91 % $ 13.1 M brasilBrasil
Business First Bancshares Business First Bancshares
BFST
$ 27.5 -0.11 % $ 808 M usaUSA
Bar Harbor Bankshares Bar Harbor Bankshares
BHB
$ 33.08 - $ 501 M usaUSA
BankUnited BankUnited
BKU
$ 45.55 0.02 % $ 3.37 B usaUSA
Banco Macro S.A. Banco Macro S.A.
BMA
$ 78.76 1.68 % $ 14.4 M argentinaArgentina
Bank of Marin Bancorp Bank of Marin Bancorp
BMRC
$ 25.92 0.31 % $ 413 M usaUSA
BOK Financial Corporation BOK Financial Corporation
BOKF
$ 128.82 0.19 % $ 8.07 B usaUSA
Popular Popular
BPOP
$ 137.24 0.31 % $ 9.28 B usaUSA
Blue Ridge Bankshares Blue Ridge Bankshares
BRBS
$ 4.14 0.49 % $ 363 M usaUSA
Banco Santander-Chile Banco Santander-Chile
BSAC
$ 33.49 0.89 % $ 3.42 T chileChile
Bogota Financial Corp. Bogota Financial Corp.
BSBK
$ 8.74 -0.11 % $ 110 M usaUSA
First Busey Corporation First Busey Corporation
BUSE
$ 25.64 0.12 % $ 2.15 B usaUSA
Cadence Bancorporation Cadence Bancorporation
CADE
- - $ 5.43 B usaUSA
Camden National Corporation Camden National Corporation
CAC
$ 48.36 0.27 % $ 817 M usaUSA
BankFinancial Corporation BankFinancial Corporation
BFIN
- - $ 151 M usaUSA
Cathay General Bancorp Cathay General Bancorp
CATY
$ 50.63 0.06 % $ 3.65 B usaUSA
Colony Bankcorp Colony Bankcorp
CBAN
$ 20.14 0.15 % $ 358 M usaUSA
CB Financial Services CB Financial Services
CBFV
$ 35.2 - $ 177 M usaUSA
Capital Bancorp Capital Bancorp
CBNK
$ 30.14 -0.59 % $ 500 M usaUSA
Community Bank System Community Bank System
CBU
$ 59.17 -0.57 % $ 3.12 B usaUSA
Bank of South Carolina Corporation Bank of South Carolina Corporation
BKSC
- -0.41 % $ 66.6 M usaUSA
CNB Financial Corporation CNB Financial Corporation
CCNE
$ 29.31 -0.02 % $ 721 M usaUSA
CF Bankshares CF Bankshares
CFBK
$ 28.05 0.18 % $ 179 M usaUSA
C&F Financial Corporation C&F Financial Corporation
CFFI
$ 72.1 - $ 233 M usaUSA
Cullen/Frost Bankers Cullen/Frost Bankers
CFR
$ 138.15 -0.3 % $ 8.85 B usaUSA
City Holding Company City Holding Company
CHCO
$ 122.66 0.54 % $ 1.78 B usaUSA
Bancolombia S.A. Bancolombia S.A.
CIB
$ 72.47 0.42 % $ 13.9 B colombiaColombia
Columbia Financial Columbia Financial
CLBK
$ 17.57 -0.51 % $ 1.79 B usaUSA
ConnectOne Bancorp ConnectOne Bancorp
CNOB
$ 27.05 0.07 % $ 1.22 B usaUSA
ChoiceOne Financial Services ChoiceOne Financial Services
COFS
$ 28.05 -1.58 % $ 391 M usaUSA
Citizens Holding Company Citizens Holding Company
CIZN
- -5.65 % $ 49.5 M usaUSA
Central Pacific Financial Corp. Central Pacific Financial Corp.
CPF
$ 32.11 - $ 869 M usaUSA
Spirit of Texas Bancshares, Inc. Spirit of Texas Bancshares, Inc.
STXB
- -0.23 % $ 446 M usaUSA
People's United Financial, Inc. People's United Financial, Inc.
PBCT
- - $ 8.34 B usaUSA
Brookline Bancorp Brookline Bancorp
BRKL
- - $ 974 M usaUSA
Cincinnati Bancorp Cincinnati Bancorp
CNNB
- -4.28 % $ 43.3 M usaUSA
Carver Bancorp Carver Bancorp
CARV
- - $ 7.31 M usaUSA