Stocktoria
OP Bancorp OPBK
Nasdaq · XNAS · stock · State Commercial Banks · website · IPO 2005-07-22
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4/9
Piotroski F — financial health
—
Altman Z″ — distress risk
27.8%
Dividend payout · safe
Financials & ratios (annual, from 10-K)
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Financials | |||||
| Revenue | $3.2M | $3.3M | $2.1M | $1.7M | $1.6M |
| Net income | $25.6M | $21.1M | $23.9M | $33.3M | $28.8M |
| Operating cash flow | $26.2M | $31.2M | $67.8M | $83.7M | -$28.3M |
| Free cash flow | $23.4M | $29.7M | $65.6M | $82.3M | -$29.4M |
| Total assets | $2.7B | $2.4B | $2.1B | $2.1B | $1.7B |
| Total liabilities | $2.4B | $2.2B | $2.0B | $1.9B | $1.6B |
| Shareholders' equity | $227.9M | $205.0M | $192.6M | $176.9M | $165.2M |
| Ratios | |||||
| Net margin | 800.1% | 646.1% | 1126.6% | 1988.7% | 1846.4% |
| FCF margin | 729.1% | 910.2% | 3088.7% | 4914.7% | -1882.4% |
| Return on assets | 1.0% | 0.9% | 1.1% | 1.6% | 1.7% |
| Return on equity | 11.2% | 10.3% | 12.4% | 18.8% | 17.5% |
| Revenue growth | -1.7% | 53.6% | 26.7% | 7.2% | 9.2% |
Notable holders (13F)
| Investor | Shares | Value |
|---|---|---|
| RENAISSANCE TECHNOLOGIES LLC | 84,400 | $1.1M |
Why these scores methodology →
Piotroski F-score: 4/9
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Altman Z″: n/a
Not applicable (financials/insurer or missing inputs).
Sector peers
IX · MUFG · MFG · NMR · UNH · CI · all Finance, Insurance & Real Estate →
Source: SEC EDGAR filings · CIK 0001722010 · as of 2025-12-31. Figures are facts from filings plus Stocktoria's own computed scores — not investment advice.