OP Bancorp (OPBK) — Cash Flow-to-Debt Ratio
OP Bancorp (OPBK) has a Cash Flow-to-Debt Ratio of 0.01x as of September 2025, meaning its operating cash flow of $23.95 Million could theoretically repay 0% of its total liabilities ($2.39 Billion) in one year. See OP Bancorp (OPBK) financial flexibility to measure the company's free cash flow as a share of total liabilities.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
OP Bancorp Cash Flow-to-Debt Ratio (2012–2024)
Historical debt coverage capacity for OP Bancorp across 13 annual periods. For the full cash flow conversion analysis, see OP Bancorp (OPBK) cash flow conversion.
Annual Cash Flow-to-Debt Ratio for OP Bancorp (2012–2024)
Year-by-year debt coverage analysis for OP Bancorp. Check how high is OP Bancorp's earnings quality to evaluate the quality of earnings relative to operating cash generation.
| Year | CF-to-Debt Ratio | Operating CF (USD) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2024 | 0.01x | $31.34 Million | $2.16 Billion | ▼ -58.2% |
| 2023 | 0.03x | $67.84 Million | $1.96 Billion | ▼ -20.5% |
| 2022 | 0.04x | $83.73 Million | $1.92 Billion | ▲ +341.1% |
| 2021 | -0.02x | $-28.28 Million | $1.56 Billion | ▼ -347.1% |
| 2020 | 0.00x | $-4.96 Million | $1.22 Billion | ▼ -123.2% |
| 2019 | 0.02x | $18.16 Million | $1.04 Billion | ▼ -47.8% |
| 2018 | 0.03x | $30.61 Million | $914.40 Million | ▲ +1362.0% |
| 2017 | 0.00x | $-2.15 Million | $809.52 Million | ▼ -117.0% |
| 2016 | 0.02x | $10.58 Million | $679.97 Million | ▼ -5.2% |
| 2015 | 0.02x | $8.95 Million | $544.87 Million | ▼ -69.4% |
| 2014 | 0.05x | $24.87 Million | $462.75 Million | ▲ +676.8% |
| 2013 | -0.01x | $-2.90 Million | $311.09 Million | ▲ +53.7% |
| 2012 | -0.02x | $-3.63 Million | $180.25 Million | — |