OP Bancorp (OPBK) - Net Assets
Based on the latest financial reports, OP Bancorp (OPBK) has net assets worth $227.89 Million USD as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($2.65 Billion) and total liabilities ($2.42 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check how resilient are OP Bancorp's assets to evaluate the company's liquid asset resilience ratio.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $227.89 Million |
| % of Total Assets | 8.6% |
| Annual Growth Rate | 13.27% |
| 5-Year Change | 37.93% |
| 10-Year Change | 180.37% |
| Growth Volatility | 27.78 |
OP Bancorp - Net Assets Trend (2005–2025)
This chart illustrates how OP Bancorp's net assets have evolved over time, based on quarterly financial data. Also explore balance sheet size of OP Bancorp for the complete picture of this company's asset base.
Annual Net Assets for OP Bancorp (2005–2025)
The table below shows the annual net assets of OP Bancorp from 2005 to 2025. For live valuation and market cap data, see OPBK market cap.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $227.89 Million | +11.17% |
| 2024-12-31 | $204.99 Million | +6.42% |
| 2023-12-31 | $192.63 Million | +8.88% |
| 2022-12-31 | $176.92 Million | +7.08% |
| 2021-12-31 | $165.22 Million | +15.24% |
| 2020-12-31 | $143.37 Million | +1.98% |
| 2019-12-31 | $140.58 Million | +8.31% |
| 2018-12-31 | $129.79 Million | +41.87% |
| 2017-12-31 | $91.48 Million | +12.54% |
| 2016-12-31 | $81.28 Million | +12.15% |
| 2015-12-31 | $72.48 Million | +10.75% |
| 2014-12-31 | $65.44 Million | +109.82% |
| 2013-12-31 | $31.19 Million | +20.46% |
| 2012-12-31 | $25.89 Million | +50.91% |
| 2006-12-31 | $17.16 Million | -9.05% |
| 2005-12-31 | $18.86 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to OP Bancorp's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 15631600000.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $153.30 Million | 67.27% |
| Common Stock | $73.02 Million | 32.04% |
| Other Comprehensive Income | $-10.28 Million | -4.51% |
| Other Components | $11.85 Million | 5.20% |
| Total Equity | $227.89 Million | 100.00% |
OP Bancorp Competitors by Market Cap
The table below lists competitors of OP Bancorp ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
KG Eco Technology Services Co. Ltd
KQ:151860
|
$209.27 Million |
|
ESSA Bancorp Inc
NASDAQ:ESSA
|
$209.29 Million |
|
Priner Serviços Industriais S.A
SA:PRNR3
|
$209.35 Million |
|
Maha Energy AB (publ)
ST:MAHA-A
|
$209.42 Million |
|
Jacob Finance And Investments Ltd
TA:JCFN
|
$209.20 Million |
|
Voyager Therapeutics Inc
NASDAQ:VYGR
|
$209.06 Million |
|
Namyang Dairy
KO:003920
|
$209.00 Million |
|
Bank Amar Indonesia
JK:AMAR
|
$208.99 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in OP Bancorp's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 204,993,000 to 227,893,000, a change of 22,900,000 (11.2%).
- Net income of 25,655,000 contributed positively to equity growth.
- Other comprehensive income increased equity by 5,136,000.
- Other factors decreased equity by 7,891,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $25.66 Million | +11.26% |
| Other Comprehensive Income | $5.14 Million | +2.25% |
| Other Changes | $-7.89 Million | -3.46% |
| Total Change | $- | 11.17% |
Book Value vs Market Value Analysis
This analysis compares OP Bancorp's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.96x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 1.71x to 0.96x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2005-12-31 | $8.57 | $14.67 | x |
| 2006-12-31 | $7.80 | $14.67 | x |
| 2012-12-31 | $3.58 | $14.67 | x |
| 2013-12-31 | $4.31 | $14.67 | x |
| 2014-12-31 | $6.11 | $14.67 | x |
| 2015-12-31 | $4.77 | $14.67 | x |
| 2016-12-31 | $6.18 | $14.67 | x |
| 2017-12-31 | $6.78 | $14.67 | x |
| 2018-12-31 | $8.35 | $14.67 | x |
| 2019-12-31 | $8.82 | $14.67 | x |
| 2020-12-31 | $9.42 | $14.67 | x |
| 2021-12-31 | $10.90 | $14.67 | x |
| 2022-12-31 | $11.62 | $14.67 | x |
| 2023-12-31 | $12.71 | $14.67 | x |
| 2024-12-31 | $13.78 | $14.67 | x |
| 2025-12-31 | $15.29 | $14.67 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently OP Bancorp utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 11.26%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 15.39%
- • Asset Turnover: 0.06x
- • Equity Multiplier: 11.63x
- Recent ROE (11.26%) is above the historical average (9.37%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2005 | -15.97% | -273.66% | 0.01x | 5.34x | $-4.90 Million |
| 2006 | -10.55% | -34.02% | 0.03x | 9.39x | $-3.53 Million |
| 2012 | 23.93% | 45.06% | 0.07x | 7.96x | $3.61 Million |
| 2013 | 15.88% | 27.46% | 0.05x | 10.97x | $1.83 Million |
| 2014 | 6.85% | 16.76% | 0.05x | 8.07x | $-2.06 Million |
| 2015 | 8.23% | 17.98% | 0.05x | 8.52x | $-1.28 Million |
| 2016 | 9.13% | 18.24% | 0.05x | 9.37x | $-703.38K |
| 2017 | 10.10% | 18.75% | 0.05x | 9.85x | $88.00K |
| 2018 | 10.98% | 24.00% | 0.06x | 8.05x | $1.27 Million |
| 2019 | 11.92% | 23.87% | 0.06x | 8.39x | $2.70 Million |
| 2020 | 9.16% | 20.37% | 0.05x | 9.53x | $-1.21 Million |
| 2021 | 17.46% | 35.97% | 0.05x | 10.45x | $12.32 Million |
| 2022 | 18.83% | 31.47% | 0.05x | 11.84x | $15.62 Million |
| 2023 | 12.42% | 17.61% | 0.06x | 11.15x | $4.66 Million |
| 2024 | 10.28% | 13.68% | 0.07x | 11.54x | $569.70K |
| 2025 | 11.26% | 15.39% | 0.06x | 11.63x | $2.87 Million |
Industry Comparison
This section compares OP Bancorp's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $519,829,600
- Average return on equity (ROE) among peers: 6.05%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| OP Bancorp (OPBK) | $227.89 Million | -15.97% | 10.63x | $209.20 Million |
| Ameris Bancorp (ABCB) | $514.76 Million | 7.94% | 9.86x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $148.70 Million | 9.23% | 10.41x | $5.70 Billion |
| ACNB Corporation (ACNB) | $93.75 Million | 8.98% | 9.33x | $483.21 Million |
| Affinity Bancshares Inc (AFBI) | $76.38 Million | 0.59% | 3.01x | $135.98 Million |
| Alerus Financial Corp (ALRS) | $96.99 Million | 6.06% | 10.54x | $647.19 Million |
| Amalgamated Bank (AMAL) | $585.36 Million | 15.03% | 12.62x | $1.14 Billion |
| Amerant Bancorp Inc. (AMTB) | $577.58 Million | -0.30% | 12.45x | $962.39 Million |
| Arrow Financial Corporation (AROW) | $249.60 Million | 11.75% | 10.06x | $601.02 Million |
| Associated Banc-Corp (ASB) | $2.74 Billion | -4.81% | 7.35x | $5.20 Billion |
| AmeriServ Financial Inc (ASRV) | $116.55 Million | 6.07% | 10.46x | $62.60 Million |
About OP Bancorp
OP Bancorp operates as the bank holding company for Open Bank that provides banking products and services. The company offers demand, checking, savings, money market, and time deposit accounts, as well as certificates of deposit. It also provides commercial real estate, small business administration, commercial and industrial business, single-family residential, term, consumer, and home mortgage … Read more