OP Bancorp (OPBK) — Financial Flexibility Index
OP Bancorp (OPBK) has a Financial Flexibility Index of 0.01x as of September 2025. Free cash flow of $24.50 Million (operating CF $23.95 Million minus capex $554.00K) represents 0% of total liabilities ($2.39 Billion). Check OPBK cash reinvestment to operating cash ratio to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
OP Bancorp Financial Flexibility Index (2012–2024)
Historical Financial Flexibility Index trend for OP Bancorp across 13 annual periods. For the full cash flow conversion analysis, see OP Bancorp cash conversion from operations.
Annual Financial Flexibility Index for OP Bancorp (2012–2024)
Year-by-year free cash flow to debt coverage for OP Bancorp. Explore OP Bancorp cash debt coverage ratio to assess how comfortably operating cash covers total debt obligations.
| Year | Flexibility Index | Free Cash Flow (USD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2024 | 0.02x | $32.91 Million | $31.34 Million | $2.16 Billion | ▼ -57.5% |
| 2023 | 0.04x | $70.03 Million | $67.84 Million | $1.96 Billion | ▼ -19.3% |
| 2022 | 0.04x | $85.15 Million | $83.73 Million | $1.92 Billion | ▲ +355.3% |
| 2021 | -0.02x | $-27.15 Million | $-28.28 Million | $1.56 Billion | ▼ -390.6% |
| 2020 | 0.00x | $-4.34 Million | $-4.96 Million | $1.22 Billion | ▼ -118.5% |
| 2019 | 0.02x | $19.90 Million | $18.16 Million | $1.04 Billion | ▼ -44.9% |
| 2018 | 0.03x | $31.80 Million | $30.61 Million | $914.40 Million | ▲ +1731.1% |
| 2017 | 0.00x | $-1.73 Million | $-2.15 Million | $809.52 Million | ▼ -113.4% |
| 2016 | 0.02x | $10.84 Million | $10.58 Million | $679.97 Million | ▼ -19.8% |
| 2015 | 0.02x | $10.83 Million | $8.95 Million | $544.87 Million | ▼ -66.5% |
| 2014 | 0.06x | $27.41 Million | $24.87 Million | $462.75 Million | ▲ +3518.9% |
| 2013 | 0.00x | $-539.01K | $-2.90 Million | $311.09 Million | ▲ +88.5% |
| 2012 | -0.02x | $-2.71 Million | $-3.63 Million | $180.25 Million | — |