OP Bancorp (OPBK) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Net Interest Income | 20.52M | 20.86M | 20.35M | 19.72M | 17.42M | 16.93M | 16.51M | 16.19M | 15.98M | 16.23M | 17.31M | 17.25M | 17.89M | 20.2M | 20.34M | 19.08M | 17.29M | 17.1M | 16.59M | 14.59M |
| NII Growth % | 17.83% | 23.24% | 23.26% | 21.78% | 9.01% | 4.31% | -4.66% | -6.13% | -10.69% | -19.65% | -14.9% | -9.58% | 3.48% | 18.14% | 22.64% | 30.8% | 35.55% | 40.35% | 45.28% | 36.98% |
| Net Interest Margin % | 0.76% | 0.79% | 0.78% | 0.77% | 0.69% | 0.72% | 0.69% | 0.71% | 0.72% | 0.76% | 0.81% | 0.8% | 0.82% | 0.96% | 1% | 0.99% | 0.93% | 0.99% | 0.99% | 0.91% |
| Interest Income | 38.54M | 39.28M | 38.52M | 37.66M | 34.86M | 35.05M | 35.3M | 34.36M | 32.91M | 31.78M | 31.19M | 30.1M | 28.59M | 26.89M | 23.23M | 20.15M | 17.94M | 17.82M | 17.36M | 15.35M |
| Interest Expense | 18.01M | 18.42M | 18.18M | 17.94M | 17.44M | 18.12M | 18.79M | 18.16M | 16.93M | 15.55M | 13.87M | 12.85M | 10.7M | 6.69M | 2.89M | 1.07M | 654K | 726K | 766K | 763K |
| Loan Loss Provision | 412K | 463K | 1.18M | 1.21M | 736K | 1.55M | 448K | 617K | 145K | 630K | 1.36M | 0 | -338K | 977K | 662K | 996K | 341K | 1.9M | -884K | -1.11M |
| Non-Interest Income | 4.03M | 3.42M | 4.13M | 3.97M | 4.82M | 4.42M | 4.24M | 4.18M | 3.59M | 3.68M | 2.6M | 3.6M | 4.29M | 3.22M | 4.82M | 5.36M | 4.22M | 7.29M | 3.54M | 2.22M |
| Non-Interest Income % | 9.47% | 8% | 9.68% | 9.53% | 12.14% | 11.19% | 10.72% | 10.86% | 9.82% | 10.38% | 7.7% | 10.7% | 13.06% | 10.7% | 17.18% | 21.01% | 19.03% | 29.03% | 16.95% | 12.64% |
| Total Revenue | 42.57M | 42.7M | 42.65M | 41.63M | 39.67M | 39.47M | 39.54M | 38.54M | 36.5M | 35.46M | 33.79M | 33.71M | 32.89M | 30.11M | 28.05M | 25.51M | 22.16M | 25.11M | 20.9M | 17.57M |
| Revenue Growth % | 7.29% | 8.19% | 7.87% | 8.02% | 8.7% | 11.29% | 17.02% | 14.34% | 10.98% | 17.78% | 20.43% | 32.15% | 48.42% | 19.9% | 34.25% | 45.18% | 33.51% | 49.76% | 30.3% | 17.27% |
| Non-Interest Expense | 14.23M | 14.29M | 13.63M | 14.04M | 13.81M | 13.13M | 12.72M | 12.19M | 12.16M | 11.98M | 11.54M | 12.3M | 11.91M | 11.33M | 12.34M | 11.5M | 9.66M | 9.59M | 9.52M | 8.79M |
| Efficiency Ratio | 33.44% | 33.47% | 31.95% | 33.72% | 34.82% | 33.28% | 32.17% | 31.63% | 33.31% | 33.79% | 34.14% | 36.49% | 36.21% | 37.62% | 43.98% | 45.1% | 43.6% | 38.19% | 45.55% | 50.03% |
| Operating Income | 9.91M | 9.53M | 9.67M | 8.45M | 7.68M | 6.67M | 7.58M | 7.57M | 7.26M | 7.3M | 7.02M | 8.56M | 10.62M | 11.12M | 12.16M | 11.94M | 11.5M | 12.9M | 11.5M | 9.13M |
| Operating Margin % | 23.28% | 22.31% | 22.68% | 20.29% | 19.37% | 16.89% | 19.17% | 19.65% | 19.9% | 20.58% | 20.78% | 25.39% | 32.28% | 36.92% | 43.36% | 46.81% | 51.91% | 51.36% | 55.01% | 51.96% |
| Operating Income Growth % | 28.97% | 42.89% | 27.63% | 11.54% | 5.8% | -8.65% | 7.95% | -11.51% | -31.59% | -34.36% | -42.29% | -28.33% | -7.7% | -13.79% | 5.82% | 30.78% | 61.22% | 141.95% | 127.46% | 169.45% |
| Pretax Income | 9.91M | 9.53M | 9.67M | 8.45M | 7.68M | 6.67M | 7.58M | 7.57M | 7.26M | 7.3M | 7.02M | 8.56M | 10.62M | 11.12M | 12.16M | 11.94M | 11.5M | 12.9M | 11.5M | 9.13M |
| Pretax Margin % | 23.28% | 22.31% | 22.68% | 20.29% | 19.37% | 16.89% | 19.17% | 19.65% | 19.9% | 20.58% | 20.78% | 25.39% | 32.28% | 36.92% | 43.36% | 46.81% | 51.91% | 51.36% | 55.01% | 51.96% |
| Income Tax | 2.68M | 2.47M | 2.97M | 2.11M | 2.12M | 1.7M | 2.14M | 2.14M | 2.04M | 2.13M | 1.9M | 2.47M | 3.08M | 3.09M | 3.52M | 3.46M | 3.35M | 3.75M | 3.25M | 2.75M |
| Effective Tax Rate % | 27% | 25.89% | 30.7% | 25.02% | 27.64% | 25.43% | 28.27% | 28.21% | 28.05% | 29.12% | 27.05% | 28.82% | 29.04% | 27.79% | 28.89% | 28.97% | 29.13% | 29.06% | 28.24% | 30.12% |
| Net Income | 7.23M | 7.06M | 6.7M | 6.33M | 5.56M | 4.97M | 5.44M | 5.44M | 5.23M | 5.17M | 5.12M | 6.09M | 7.53M | 8.03M | 8.65M | 8.48M | 8.15M | 9.13M | 8.25M | 6.38M |
| Net Margin % | 16.99% | 16.53% | 15.72% | 15.21% | 14.01% | 12.6% | 13.75% | 14.1% | 14.32% | 14.58% | 15.16% | 18.07% | 22.91% | 26.66% | 30.83% | 33.25% | 36.79% | 36.37% | 39.48% | 36.31% |
| Net Income Growth % | 30.11% | 42% | 23.31% | 16.5% | 6.39% | -3.89% | 6.15% | -10.75% | -30.63% | -35.58% | -40.8% | -28.17% | -7.58% | -12.11% | 4.85% | 32.94% | 60.57% | 139.3% | 129.49% | 164.03% |
| Net Income (Continuing) | 7.23M | 7.06M | 6.7M | 6.33M | 5.56M | 4.97M | 5.44M | 5.44M | 5.23M | 5.17M | 5.12M | 6.09M | 7.53M | 8.03M | 8.65M | 8.48M | 8.15M | 9.15M | 8.25M | 6.38M |
| EPS (Diluted) | 0.48 | 0.47 | 0.45 | 0.42 | 0.37 | 0.33 | 0.36 | 0.36 | 0.34 | 0.34 | 0.33 | 0.39 | 0.48 | 0.51 | 0.55 | 0.54 | 0.53 | 0.59 | 0.54 | 0.42 |
| EPS Growth % | 29.73% | 42.42% | 25% | 16.67% | 8.82% | -2.94% | 9.09% | -7.69% | -29.17% | -33.33% | -40% | -27.78% | -9.43% | -13.56% | 1.85% | 28.57% | 60.61% | 136% | 134.78% | 162.5% |
| EPS (Basic) | 0.49 | 0.47 | 0.45 | 0.42 | 0.37 | 0.33 | 0.36 | 0.36 | 0.34 | 0.34 | 0.33 | 0.39 | 0.48 | 0.52 | 0.56 | 0.55 | 0.53 | 0.60 | 0.54 | 0.42 |
| Diluted Shares Outstanding | 14.93M | 14.92M | 14.92M | 14.86M | 14.86M | 14.82M | 14.81M | 14.87M | 14.99M | 15.03M | 15.14M | 15.17M | 15.31M | 15.26M | 15.28M | 15.23M | 15.24M | 15.23M | 15.2M | 15.13M |