OP Bancorp (OPBK) — Cash Flow Quality Index
Latest as of September 2025:
3.57x
OP Bancorp (OPBK) has a Cash Flow Quality Index of 3.57x as of September 2025. Operating cash flow of $23.95 Million exceeds net income of $6.70 Million, indicating high earnings quality where cash backs reported profits. Explore OPBK operating cash flow to total debt to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
3.57x
Operating CF / Net Income
Operating Cash Flow
$23.95 Million
USD
Net Income
$6.70 Million
USD
Data as of
Sep 2025
Most recent filing
OP Bancorp Cash Flow Quality Index (2012–2024)
Historical Cash Flow Quality Index for OP Bancorp across 13 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see OPBK operating cash flow.
Annual Cash Flow Quality Index for OP Bancorp (2012–2024)
Year-by-year earnings quality comparison for OP Bancorp.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2024 | 1.49x | $31.34 Million | $21.07 Million | ▼ -47.6% |
| 2023 | 2.84x | $67.84 Million | $23.92 Million | ▲ +12.8% |
| 2022 | 2.51x | $83.73 Million | $33.31 Million | ▲ +356.4% |
| 2021 | -0.98x | $-28.28 Million | $28.84 Million | ▼ -159.7% |
| 2020 | -0.38x | $-4.96 Million | $13.13 Million | ▼ -134.8% |
| 2019 | 1.08x | $18.16 Million | $16.76 Million | ▼ -49.5% |
| 2018 | 2.15x | $30.61 Million | $14.25 Million | ▲ +1023.8% |
| 2017 | -0.23x | $-2.15 Million | $9.24 Million | ▼ -116.3% |
| 2016 | 1.43x | $10.58 Million | $7.43 Million | ▼ -5.0% |
| 2015 | 1.50x | $8.95 Million | $5.96 Million | ▼ -73.0% |
| 2014 | 5.55x | $24.87 Million | $4.48 Million | ▲ +1047.9% |
| 2013 | -0.59x | $-2.90 Million | $4.95 Million | ▲ +0.1% |
| 2012 | -0.59x | $-3.63 Million | $6.19 Million | — |
Cash Flow Quality Index = Operating Cash Flow / Net Income. Ratios above 1.0x indicate cash-backed earnings.