Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1.27M | $1.66M | $1.90M | $2.02M | $1.43M | $1.56M | $1.68M | $2.12M | $3.26M | $3.20M |
| Revenue growth | — | 29.9% | 14.6% | 6.2% | -29.0% | 9.2% | 7.2% | 26.7% | 53.6% | -1.7% |
| Net income | $7.42M | $9.24M | $14.3M | $16.8M | $13.1M | $28.8M | $33.3M | $23.9M | $21.1M | $25.6M |
| Net margin | 582.4% | 557.7% | 751.3% | 831.6% | 917.3% | 1846.4% | 1988.7% | 1126.6% | 646.1% | 800.1% |
| EPS (diluted) | $0.53 | $0.66 | $0.89 | $1.03 | $0.85 | $1.88 | $2.14 | $1.55 | $1.39 | $1.72 |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $10.6M | -$2.15M | $30.6M | $19.0M | -$4.85M | -$28.3M | $83.7M | $67.8M | $31.2M | $26.2M |
| Capital expenditures | $259K | $421K | $1.20M | $1.74M | $619K | $1.13M | $1.41M | $2.18M | $1.56M | $2.80M |
| Free cash flow | $10.3M | -$2.57M | $29.4M | $17.2M | -$5.47M | -$29.4M | $82.3M | $65.6M | $29.7M | $23.4M |
| Share buybacks | — | — | — | $5.39M | $8.10M | $28.0K | $0.00 | $3.93M | $2.74M | $706K |
| Dividends paid | — | — | — | $3.15M | $4.26M | $5.13M | $6.68M | $7.27M | $7.14M | $7.13M |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | $20.1M | $63.3M | $77.7M | $86.0M | $106M | $115M | $83.0M | $91.2M | $135M | $167M |
| Total assets | — | $901M | $1.04B | $1.18B | $1.37B | $1.73B | $2.09B | $2.15B | $2.37B | $2.65B |
| Total liabilities | — | $810M | $914M | $1.04B | $1.22B | $1.56B | $1.92B | $1.96B | $2.16B | $2.42B |
| Shareholders' equity | $81.3M | $91.5M | $130M | $141M | $143M | $165M | $177M | $193M | $205M | $228M |
| Retained earnings | — | $18.6M | $32.9M | $46.5M | $55.3M | $79.1M | $106M | $121M | $135M | $153M |
| Shares (wtd avg diluted) | 13.2M | 13.5M | 15.6M | 15.9M | 15.2M | 15.2M | 15.2M | 15.2M | 14.9M | 14.9M |
Every figure is extracted from OP Bancorp’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
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