OP Bancorp 과거 순이익 실적
과거 기준 점검 4/6
OP Bancorp의 수입은 연평균 -2%의 비율로 감소해 온 반면, Banks 산업은 수입이 연평균 2.8% 증가했습니다. 매출은 연평균 4.6%의 비율로 증가해 왔습니다. OP Bancorp의 자기자본이익률은 11.7%이고 순이익률은 29.2%입니다.
핵심 정보
-2.00%
순이익 성장률
-1.59%
주당순이익(EPS) 성장률
| Banks 산업 성장률 | 11.18% |
| 매출 성장률 | 4.56% |
| 자기자본이익률 | 11.74% |
| 순이익률 | 29.21% |
| 최근 순이익 업데이트 | 31 Mar 2026 |
최근 과거 실적 업데이트
Recent updates
분석 기사 • Jan 27
OP Bancorp (NASDAQ:OPBK) Is Paying Out A Dividend Of $0.12
OP Bancorp's ( NASDAQ:OPBK ) investors are due to receive a payment of $0.12 per share on 19th of February. This means...Seeking Alpha • Jan 23
OP Bancorp: No Cause For Concern
Summary OP Bancorp posted strong Q4 results, with revenues up 14% year-over-year and EPS beating consensus expectations. I maintain a neutral rating on OPBK, citing stable operations, slow loan growth, and a 3.5% dividend yield. Net interest margin remained flat at 3.25%, though lower than historical levels, and asset quality trends warrant monitoring. Efficiency ratio and return metrics improved year-over-year, while deposits and loans showed steady, healthy growth. Read the full article on Seeking Alpha분석 기사 • Oct 28
OP Bancorp (NASDAQ:OPBK) Has Affirmed Its Dividend Of $0.12
The board of OP Bancorp ( NASDAQ:OPBK ) has announced that it will pay a dividend of $0.12 per share on the 20th of...분석 기사 • Aug 01
OP Bancorp's (NASDAQ:OPBK) Dividend Will Be $0.12
The board of OP Bancorp ( NASDAQ:OPBK ) has announced that it will pay a dividend on the 21st of August, with investors...분석 기사 • Jan 27
OP Bancorp (NASDAQ:OPBK) Has Affirmed Its Dividend Of $0.12
The board of OP Bancorp ( NASDAQ:OPBK ) has announced that it will pay a dividend on the 20th of February, with...분석 기사 • Oct 29
OP Bancorp (NASDAQ:OPBK) Is Paying Out A Dividend Of $0.12
OP Bancorp ( NASDAQ:OPBK ) has announced that it will pay a dividend of $0.12 per share on the 21st of November. This...분석 기사 • Jul 30
OP Bancorp (NASDAQ:OPBK) Is Due To Pay A Dividend Of $0.12
OP Bancorp ( NASDAQ:OPBK ) will pay a dividend of $0.12 on the 22nd of August. This means the dividend yield will be...분석 기사 • Apr 30
OP Bancorp (NASDAQ:OPBK) Is Paying Out A Dividend Of $0.12
OP Bancorp ( NASDAQ:OPBK ) will pay a dividend of $0.12 on the 23rd of May. The dividend yield will be 5.2% based on...분석 기사 • Jan 29
OP Bancorp (NASDAQ:OPBK) Is Due To Pay A Dividend Of $0.12
The board of OP Bancorp ( NASDAQ:OPBK ) has announced that it will pay a dividend of $0.12 per share on the 22nd of...분석 기사 • Aug 01
OP Bancorp (NASDAQ:OPBK) Will Pay A Dividend Of $0.12
OP Bancorp ( NASDAQ:OPBK ) will pay a dividend of $0.12 on the 24th of August. Based on this payment, the dividend...분석 기사 • Mar 14
With EPS Growth And More, OP Bancorp (NASDAQ:OPBK) Makes An Interesting Case
For beginners, it can seem like a good idea (and an exciting prospect) to buy a company that tells a good story to...Seeking Alpha • Sep 30
OP Bancorp: Californian Economy, Interest Rates To Drive Earnings
Summary Loan growth will likely slow down from the first half’s level. However, strong regional markets will keep loan growth at a moderate level. The margin is moderately rate sensitive. The December 2022 target price suggests a high upside from the current market price. Further, OPBK is offering a good dividend yield. Earnings of OP Bancorp (OPBK) will likely increase this year thanks to moderate loan growth, which will, in turn, be driven by strong regional economies. Further, the margin will benefit from rising interest rates. Overall, I'm expecting OP Bancorp to report earnings of $2.25 per share for 2022, up 19% year-over-year. Compared to my last report on the company, I've barely changed my earnings estimate. For 2023, I'm expecting OP Bancorp to report earnings of $2.39 per share, up 6% year-over-year. The year-end target price suggests a high upside from the current market price. Therefore, I'm maintaining a buy rating on OP Bancorp. California’s Economic Factors to Sustain Loan Growth OP Bancorp’s loan growth slowed to 3.9% in the second quarter from 8.8% in the first quarter of 2022. Going forward, loan growth will likely decelerate even further as the increasing interest rates will tone down credit demand. On the plus side, regional economic strength will likely continue to support loan growth. OP Bancorp mostly operates in California, with a concentration in Los Angeles. The company also has some presence in Atlanta GA, Aurora CO, Lynnwood WA, Seattle WA, and Carrollton TX. OP Bancorp focuses on Korean Americans, but it's not limited to them alone. The coincident economic activity index for California paints a promising picture, which should keep loan growth elevated in that region. Federal Reserve Bank of Philadelphia Further, the unemployment rate for the state has improved considerably, as shown below. Data by YCharts Considering these factors, I'm expecting the loan portfolio to grow by 3% every quarter till the end of 2023. This will lead to loan growth of 19.9% for 2022. In my last report on OP Bancorp, I projected a loan growth of 18.9% for 2022. I’ve slightly increased my loan growth estimate because the second quarter’s performance beat my previous expectation. Meanwhile, I'm expecting deposits and other balance sheet items to grow somewhat in line with loans. The following table shows my balance sheet estimates. FY18 FY19 FY20 FY21 FY22E FY23E Financial Position Net Loans 865 980 1,084 1,298 1,556 1,752 Growth of Net Loans 17.1% 13.2% 10.6% 19.7% 19.9% 12.6% Other Earning Assets 63 68 129 251 270 292 Deposits 905 1,021 1,200 1,534 1,848 2,080 Borrowings and Sub-Debt - 10 13 10 10 11 Common equity 130 141 143 165 184 215 Tangible BVPS ($) 8.3 8.8 9.4 10.9 12.1 14.1 Source: SEC Filings, Author's Estimates (In USD million unless otherwise specified) Loan and Deposit Mixes Make the Margin Moderately Rate Sensitive The average loan yield is moderately rate-sensitive thanks to the presence of variable-rate loans, which make up 36.9% of total loans, as mentioned in the latest earnings presentation. Further, hybrid loans totaling $23 million will reprice within one year, representing 2% of total loans. The deposit cost, on the other hand, will be somewhat sticky as around 47% of the deposit book comprised of non-interest-bearing deposits at the end of June 2022. However, money market and other interest-bearing deposits that reprice frequently made up 30% of total deposits. These quick-to-reprice deposits will let the average deposit cost rise as interest rates increase. Additionally, certificates of deposits totaling around $160 million will mature in the third quarter and around $59 million will mature in the fourth quarter of 2022, altogether representing 13% of total deposits. The results of the management's interest rate sensitivity analysis given in the 10-Q filing showed that a 200-basis points hike in interest rates could increase the non-interest income by 5.46% over twelve months. 2Q 2022 10-Q Filing Historically as well, the margin has been only slightly rate-sensitive. 2Q 2022 Earnings Presentation Considering these factors, I'm expecting the margin to grow by 20 basis points in the second half of 2022 and by 5 basis points in 2023. Compared to my last report on OP Bancorp, I’ve slightly increased my margin estimate as my interest rate outlook is now more hawkish than before. Expecting Earnings to Grow by 19% The anticipated loan growth and margin expansion will be the key drivers of earnings in the next year and a half. On the other hand, growth in non-interest expenses will restrict the increase in earnings. OP Bancorp reported a surge of 19% in non-interest expenses during the second quarter, which exceeded my expectations. Going forward, non-interest expenses will likely remain elevated due to the impact of inflation on salary expenses. Additionally, the low unemployment rate is already leading to wage pressure as OP Bancorp cannot afford to lose its employees in the current market. Meanwhile, the provisioning will likely remain at a normal level through the end of 2023. Non-performing loans were 0.15% of total loans, while allowances were 1.19% of total loans at the end of June 2022. This allowance coverage appears somewhat excessive; therefore, I'm not expecting economic headwinds, including high inflation, to lead to higher provisioning in future quarters. I'm expecting the net provision expenses to make up around 0.21% of total loans every quarter till the end of 2023, which is the same as the average for the last five years. Overall, I'm expecting OP Bancorp to report earnings of $2.25 per share for 2022, up 19% year-over-year. Further, I'm expecting the company to report earnings of $2.39 per share for 2023, up 6% year-over-year. The following table shows my income statement estimates. FY18 FY19 FY20 FY21 FY22E FY23E Income Statement Net interest income 41 44 45 61 78 92 Provision for loan losses 1 1 6 1 3 4 Non-interest income 9 11 11 16 19 18 Non-interest expense 30 33 32 36 45 50 Net income - Common Sh. 14 16 13 29 34 36 EPS - Diluted ($) 0.89 1.03 0.85 1.88 2.25 2.39 Source: SEC Filings, Earnings Releases, Author's Estimates (In USD million unless otherwise specified) Although I have increased my net interest income estimate, my updated full-year earnings estimate for 2022 is lower than my previous estimate of $2.28 per share given in my last report on the company. My earnings estimate has slightly declined because of the substantial jump in non-interest expenses.분석 기사 • Aug 02
OP Bancorp (NASDAQ:OPBK) Is Increasing Its Dividend To $0.12
The board of OP Bancorp ( NASDAQ:OPBK ) has announced that it will be paying its dividend of $0.12 on the 25th of...Seeking Alpha • Jul 28
OP Bancorp raises dividend by 20% to $0.12
OP Bancorp (NASDAQ:OPBK) declares $0.12/share quarterly dividend, 20% increase from prior dividend of $0.10. Forward yield 4.4% Payable Aug. 25; for shareholders of record Aug. 11; ex-div Aug. 10. See OPBK Dividend Scorecard, Yield Chart, & Dividend Growth.Seeking Alpha • Jul 16
OP Bancorp: Strong Loan Growth To Drive Earnings This Year
After remarkable loan growth during the first quarter of the year, loan growth will likely decelerate but remain quite decent for the remainder of 2022. Thanks to the large balances of variable-rate loans and non-interest-bearing deposits, the net interest income is quite sensitive to interest rate changes. Provisioning will likely remain slightly above normal due to approaching economic headwinds. The December 2022 target price suggests a high upside from the current market price. Further, OPBK is offering a decent dividend yield. Earnings of OP Bancorp (OPBK) will likely surge this year on the back of remarkable loan growth. Regional economic factors will likely boost loan portfolio size this year. Further, the rate-sensitive loan portfolio will ensure that earnings benefit from a rising interest-rate environment. On the other hand, slightly higher-than-average provision expenses will likely restrict earnings growth. Overall, I'm expecting OP Bancorp to report earnings of $2.28 per share for 2022, up 21% year-over-year. The year-end target price suggests a high upside from the current market price. Therefore, I'm adopting a buy rating on OP Bancorp. Loan Growth to Decelerate but Remain Satisfactory OP Bancorp’s loan portfolio grew by an astounding 8.8% during the first quarter of 2022, or 35% annualized. Such high loan growth is unsustainable; therefore, the growth rate will likely naturally decelerate for the second and third quarters of the year. Nevertheless, loan growth will remain at a decent level thanks to regional economic factors. OP Bancorp’s loan portfolio is heavy on commercial and small business loans. Further, the portfolio is geographically concentrated in California. Therefore, the California Coincident Index of the Federal Reserve Bank of Philadelphia is a good indicator of economic activity, and consequently the credit demand for the near future. As shown below, the index’s upward trajectory is somewhat steep. Data by YCharts However, high interest rates are likely to take a toll on credit demand during the back half of the year. The Federal Reserve’s projections suggest that interest rates will peak in late 2022 or 2023 before trending downwards. As a result, it would make sense for commercial borrowers to delay their borrowing for capital expenditure by a few quarters. As a result, loan growth will likely slow down by the end of 2022 before picking up pace again next year. Overall, I'm expecting the loan portfolio to increase by 18.9% by the end of 2022 from the end of 2021. Meanwhile, I'm expecting other balance sheet items to grow more or less in line with loans for the last three quarters of the year. The following table shows my balance sheet estimates. FY18 FY19 FY20 FY21 FY22E Financial Position Net Loans 865 980 1,084 1,298 1,543 Growth of Net Loans 17.1% 13.2% 10.6% 19.7% 18.9% Other Earning Assets 63 68 129 251 282 Deposits 905 1,021 1,200 1,534 1,827 Borrowings and Sub-Debt - 10 13 10 11 Common equity 130 141 143 165 188 Tangible BVPS ($) 8.3 8.8 9.4 10.9 12.3 Source: SEC Filings, Author's Estimates (In USD million unless otherwise specified) Loan and Deposit Mixes are Well-Positioned for Rate Hikes OP Bancorp’s loan portfolio is quite rate-sensitive because variable-rate loans made up 41.1% of total loans at the end of March 2022, as mentioned in the earnings presentation. Further, $40 million of hybrid loans, representing 3% of total loans, will re-price within one year. Additionally, the large balance of non-interest-bearing deposits will hold back the average deposit cost as rates rise. Non-interest-bearing deposits made up a whopping 50.7% of total deposits at the end of March 2022. Money-market and other deposits that will reprice quickly after every rate hike made up a much lower 27% of total deposits at the end of March 2022. The management’s interest-rate sensitivity analysis given in the 10-Q filing shows that a 200-basis points increase in interest rates can boost the net interest income by 10.94% over twelve months. 1Q 2022 10-Q Filing The above analysis assumes an immediate hike in interest rates. In reality, the rate hikes have been gradual this year. Therefore, the impact on net interest income will be less than 10.94%. Considering these factors, I'm expecting the margin to increase by 14 basis points in the last three quarters of 2022 from 4.12% in the first quarter of the year. Higher Interest Rates, Threats of a Recession to Keep Provisioning Slightly Above Normal OP Bancorp’s nonperforming loans were well covered at the end of March 2022. Nonperforming loans made up 0.20% of total loans, while allowances made up 1.17% of total loans at the end of the first quarter, as mentioned in the presentation. Due to the significant cushion, I'm not too concerned that high interest rates and threats of a recession will push up provisioning costs by a large amount. In my opinion, provisioning will likely be only slightly above normal for the remainder of this year. The significant loan additions will likely further boost provisioning for expected loan losses. Overall, I'm expecting OP Bancorp to report a net provision expense of 0.17% of total loans in 2022. In comparison, the net provision expense averaged 0.15% of total loans from 2017 to 2019. Expecting Earnings to Grow by 21% The significant loan additions in 2022 will likely be the biggest driver of earnings growth. Further, the anticipated margin expansion will lift the bottom line. On the other hand, slightly above normal provision expense will likely constrain earnings growth. Overall, I'm expecting OP Bancorp to report earnings of $2.28 per share for 2022, up 21% year-over-year. The following table shows my income statement estimates. FY18 FY19 FY20 FY21 FY22E Income Statement Net interest income 41 44 45 61 75 Provision for loan losses 1 1 6 1 3 Non-interest income 9 11 11 16 17 Non-interest expense 30 33 32 36 40 Net income - Common Sh. 14 16 13 29 35 EPS - Diluted ($) 0.89 1.03 0.85 1.88 2.28 Source: SEC Filings, Earnings Releases, Author's Estimates (In USD million unless otherwise specified)분석 기사 • Jun 14
If You Like EPS Growth Then Check Out OP Bancorp (NASDAQ:OPBK) Before It's Too Late
For beginners, it can seem like a good idea (and an exciting prospect) to buy a company that tells a good story to...매출 및 비용 세부 내역
매출 및 비용 세부 내역
OP Bancorp가 돈을 벌고 사용하는 방법. 최근 발표된 LTM 실적 기준.
순이익 및 매출 추이
| 날짜 | 매출 | 순이익 | 일반관리비 | 연구개발비 |
|---|---|---|---|---|
| 31 Mar 26 | 94 | 27 | 48 | 0 |
| 31 Dec 25 | 91 | 26 | 47 | 0 |
| 30 Sep 25 | 87 | 23 | 46 | 0 |
| 30 Jun 25 | 84 | 22 | 45 | 0 |
| 31 Mar 25 | 81 | 21 | 44 | 0 |
| 31 Dec 24 | 79 | 21 | 43 | 0 |
| 30 Sep 24 | 79 | 21 | 43 | 0 |
| 30 Jun 24 | 77 | 21 | 42 | 0 |
| 31 Mar 24 | 78 | 21 | 42 | 0 |
| 31 Dec 23 | 81 | 23 | 41 | 0 |
| 30 Sep 23 | 84 | 26 | 40 | 0 |
| 30 Jun 23 | 90 | 30 | 41 | 0 |
| 31 Mar 23 | 93 | 32 | 40 | 0 |
| 31 Dec 22 | 92 | 33 | 38 | 0 |
| 30 Sep 22 | 92 | 34 | 37 | 0 |
| 30 Jun 22 | 88 | 33 | 34 | 0 |
| 31 Mar 22 | 83 | 31 | 32 | 0 |
| 31 Dec 21 | 77 | 29 | 31 | 0 |
| 30 Sep 21 | 68 | 23 | 30 | 0 |
| 30 Jun 21 | 60 | 19 | 29 | 0 |
| 31 Mar 21 | 53 | 15 | 29 | 0 |
| 31 Dec 20 | 50 | 13 | 29 | 0 |
| 30 Sep 20 | 50 | 13 | 28 | 0 |
| 30 Jun 20 | 50 | 14 | 28 | 0 |
| 31 Mar 20 | 52 | 15 | 29 | 0 |
| 31 Dec 19 | 53 | 16 | 29 | 0 |
| 30 Sep 19 | 53 | 16 | 29 | 0 |
| 30 Jun 19 | 52 | 15 | 28 | 0 |
| 31 Mar 19 | 52 | 15 | 27 | 0 |
| 31 Dec 18 | 49 | 14 | 26 | 0 |
| 30 Sep 18 | 48 | 12 | 25 | 0 |
| 30 Jun 18 | 47 | 11 | 25 | 0 |
| 31 Mar 18 | 45 | 10 | 24 | 0 |
| 31 Dec 17 | 43 | 9 | 24 | 0 |
| 30 Sep 17 | 42 | 9 | 24 | 0 |
| 30 Jun 17 | 40 | 8 | 33 | 0 |
| 31 Mar 17 | 38 | 8 | 23 | 0 |
| 31 Dec 16 | 36 | 7 | 21 | 0 |
| 30 Sep 16 | 34 | 6 | 33 | 0 |
| 30 Jun 16 | 32 | 6 | 18 | 0 |
| 31 Mar 16 | 31 | 6 | 19 | 0 |
| 31 Dec 15 | 30 | 6 | 18 | 0 |
| 30 Sep 15 | 28 | 5 | 15 | 0 |
| 30 Jun 15 | 27 | 5 | 15 | 0 |
양질의 수익: OPBK는 고품질 수익을 보유하고 있습니다.
이익 마진 증가: OPBK의 현재 순 이익률 (29.2%)은 지난해 (25.9%)보다 높습니다.
잉여현금흐름 대비 순이익 분석
과거 순이익 성장 분석
수익추이: OPBK의 수익은 지난 5년 동안 연평균 2% 감소했습니다.
성장 가속화: 지난 1년간 OPBK 의 수익 증가율(30.1%)은 연간 평균(-2%)을 초과합니다.
수익 대 산업: OPBK의 지난 1년 수익 증가율(30.1%)은 Banks 업계의 22.8%를 상회했습니다.
자기자본이익률
높은 ROE: OPBK의 자본 수익률(11.7%)은 낮음으로 평가됩니다.
총자산이익률
투하자본수익률
우수한 과거 실적 기업을 찾아보세요
기업 분석 및 재무 데이터 상태
| 데이터 | 최종 업데이트 (UTC 시간) |
|---|---|
| 기업 분석 | 2026/05/26 22:43 |
| 종가 | 2026/05/26 00:00 |
| 수익 | 2026/03/31 |
| 연간 수익 | 2025/12/31 |
데이터 소스
당사의 기업 분석에 사용되는 데이터는 S&P Global Market Intelligence LLC에서 제공됩니다. 아래 데이터는 이 보고서를 생성하기 위해 분석 모델에서 사용됩니다. 데이터는 정규화되므로 소스가 제공된 후 지연이 발생할 수 있습니다.
| 패키지 | 데이터 | 기간 | 미국 소스 예시 * |
|---|---|---|---|
| 기업 재무제표 | 10년 |
| |
| 분석가 컨센서스 추정치 | +3년 |
|
|
| 시장 가격 | 30년 |
| |
| 지분 구조 | 10년 |
| |
| 경영진 | 10년 |
| |
| 주요 개발 | 10년 |
|
* 미국 증권에 대한 예시이며, 비(非)미국 증권에는 해당 국가의 규제 서식 및 자료원을 사용합니다.
별도로 명시되지 않는 한 모든 재무 데이터는 연간 기간을 기준으로 하지만 분기별로 업데이트됩니다. 이를 TTM(최근 12개월) 또는 LTM(지난 12개월) 데이터라고 합니다. 자세히 알아보기.
분석 모델 및 스노우플레이크
이 보고서를 생성하는 데 사용된 분석 모델에 대한 자세한 내용은 당사의 Github 페이지에서 확인하실 수 있습니다. 또한 보고서 활용 방법에 대한 가이드와 YouTube 튜토리얼도 제공합니다.
Simply Wall St 분석 모델을 설계하고 구축한 세계적 수준의 팀에 대해 알아보세요.
산업 및 섹터 지표
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분석가 소스
OP Bancorp는 3명의 분석가가 다루고 있습니다. 이 중 2명의 분석가가 우리 보고서에 입력 데이터로 사용되는 매출 또는 수익 추정치를 제출했습니다. 분석가의 제출 자료는 하루 종일 업데이트됩니다.
| 분석가 | 기관 |
|---|---|
| Gary Tenner | D.A. Davidson & Co. |
| null null | D.A. Davidson & Co. |
| Kelly Motta | Keefe, Bruyette, & Woods |