OP Bancorp (OPBK) Earnings History
Growth Compounder14 years of earnings data (2012–2025) · Consistent double-digit EPS growth over 5 years
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OP Bancorp (OPBK) Earnings Overview
As of June 22, 2026, OP Bancorp (OPBK) reported trailing twelve-month net income of $26M, reflecting +23.7% year-over-year growth. The company earned $1.72 per diluted share over the past four quarters, with a net profit margin of 15.4%.
Looking at the long-term picture, OPBK's 5-year EPS compound annual growth rate (CAGR) stands at +15.1%, indicating exceptional earnings growth. The company achieved its highest annual net income of $33M in fiscal 2022.
OP Bancorp maintains industry-leading profitability with a gross margin of 54.7%, operating margin of 21.2%, and net margin of 15.4%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including HAFC ($76M net income, 17.1% margin), PFBC ($134M net income, 26.8% margin), BCAL ($63M net income, 27.1% margin), OPBK has room to improve margins relative to the peer group. Compare OPBK vs HAFC →
OPBK Earnings vs Peers
Earnings metrics vs comparable public companies
OPBK Historical Earnings Data (2012–2025)
14 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $26M | +21.8% | $35M | $1.72 | 15.4% | 21.2% |
| 2024 | $21M | -11.9% | $29M | $1.39 | 13.7% | 18.9% |
| 2023 | $24M | -28.2% | $33M | $1.55 | 17.6% | 24.7% |
| 2022 | $33M | +15.5% | $47M | $2.14 | 31.5% | 44.1% |
| 2021 | $29M | +119.7% | $41M | $1.88 | 36.0% | 50.7% |
| 2020 | $13M | -21.7% | $18M | $0.85 | 20.4% | 28.3% |
| 2019 | $17M | +17.6% | $22M | $1.03 | 23.9% | 31.4% |
| 2018 | $14M | +54.3% | $19M | $0.89 | 24.0% | 32.8% |
| 2017 | $9M | +24.4% | $17M | $0.66 | 18.7% | 34.8% |
| 2016 | $7M | +24.5% | $12M | $0.53 | 18.2% | 30.3% |
| 2015 | $6M | +33.0% | $10M | $0.37 | 18.0% | 30.5% |
| 2014 | $4M | -9.5% | $8M | $0.42 | 16.8% | 28.5% |
| 2013 | $5M | -20.0% | $3M | $0.68 | 27.5% | 18.9% |
| 2012 | $6M | - | $2M | $0.86 | 45.1% | 16.1% |
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OPBK — Frequently Asked Questions
Quick answers to the most common questions about buying OPBK stock.
What is OPBK earnings per share (EPS)?
OPBK trailing twelve-month (TTM) diluted EPS is $1.72, reflecting +23.7% year-over-year growth. The 5-year EPS CAGR is +15.1%. Complete EPS history from 2012 to 2025 is available in the table on this page.
What is OP Bancorp's net income?
OP Bancorp (OPBK) trailing twelve-month net income is $26M as of 2025. Earnings grew +23.7% year-over-year. OP Bancorp has been profitable for 14 consecutive years.
Is OPBK profitable?
Yes, OPBK is profitable with a TTM net income of $26M and a net profit margin of +15.4%. OP Bancorp has generated profits for 14 consecutive years.
What is OPBK's earnings growth rate?
OPBK compound annual EPS growth rates (CAGR): 1-Year: +23.7%, 3-Year: -7.0%, 5-Year: +15.1%, 10-Year: +16.6%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 2012 to 2025.
What are OPBK's profit margins?
OP Bancorp net profit margin is +15.4%, operating margin is +21.2%, and gross margin is +54.7%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +11.9%.
Is OPBK growing earnings?
Yes, OPBK earnings are accelerating — EPS growth of +23.7% exceeds the 5-year CAGR of +15.1%. TTM net income reached $26M. Earnings momentum is strengthening.
What was OPBK's best earnings year?
OP Bancorp's highest annual net income on record is $33M, achieved in fiscal year 2022. Earnings history on this page spans 2012 to 2025 and includes all annual and quarterly figures.
What were OPBK's earnings last quarter?
OPBK's most recent reported quarter was Q4 2025. Net income was $7M with diluted EPS of $0.47. For a full breakdown of all quarters, see the quarterly earnings table on this page.