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OP Bancorp cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$25.2M in Q3 2026 · $28.8M over twelve months

Operating cash flow$25.4M
Capital spending−$221K
Free cash flow+$25.2M
Cash / net income3.3×

Analysis

In Q3 2026, OP Bancorp generated $25.4M of operating cash flow and spent $221K on capital projects, leaving free cash flow of $25.2M. That is $1.8M more than in Q3 2025 ($23.4M).

Over the twelve months to Sep 30, 2026, operating cash flow was $29.4M; the largest uses were other investing ($126M), dividends ($7.7M), capital spending ($565K); besides operations, cash came from other financing ($182M), buybacks ($7K); the cash balance rose by $76.2M.

Operating cash flow was $25.4M against net income of $7.8M — 3.3× profit, cash ran ahead of reported earnings. The largest differences: prepaid and other assets +$2.8M, other liabilities +$1.8M, depreciation & amortization +$1.7M.

Free cash flow

OP Bancorp: free cash flow by quarterOP Bancorp: free cash flow by quarter$4.5MQ4 2024$4.2MQ1 2025−$7.7MQ2 2025$23.4MQ3 2025$3.5MQ4 2025$7.6MQ1 2026−$7.4MQ2 2026$25.2MQ3 2026
Operating cash flow less capital spending.
OP Bancorp: operating cash flow against capital spendingOP Bancorp: operating cash flow against capital spendingOperating cash flowCapital spending$5.3M$815KQ4 2024$5.6M$1.4MQ1 2025−$7.0M$720KQ2 2025$23.9M$554KQ3 2025$3.6M$103KQ4 2025$7.7M$114KQ1 2026−$7.3M$127KQ2 2026$25.4M$221KQ3 2026
Latest (Q3 2026): Operating cash flow $25.4M, Capital spending $221K.

Capital allocation, year by year

OP Bancorp: where the cash came from (up) and went (down), by fiscal yearOP Bancorp: where the cash came from (up) and went (down), by fiscal yearOperating cash flowShares issuedAsset salesCapital spendingBuybacksDividendsFY2021: Operating cash flow −$28.3MFY2021: Shares issued $89KFY2021: Capital spending −$1.1MFY2021: Buybacks −$28KFY2021: Dividends −$5.1M$89KFY2021FY2022: Operating cash flow $83.7MFY2022: Shares issued $608KFY2022: Capital spending −$1.4MFY2022: Dividends −$6.7M$84.3MFY2022FY2023: Operating cash flow $67.8MFY2023: Shares issued $888KFY2023: Capital spending −$2.2MFY2023: Buybacks −$3.9MFY2023: Dividends −$7.3M$68.6MFY2023FY2024: Operating cash flow $31.2MFY2024: Shares issued $160KFY2024: Capital spending −$1.6MFY2024: Buybacks −$2.7MFY2024: Dividends −$7.1M$31.4MFY2024FY2025: Operating cash flow $26.2MFY2025: Asset sales $829KFY2025: Capital spending −$2.8MFY2025: Buybacks −$706KFY2025: Dividends −$7.1M$27.0MFY2025
Over these 5 years operating cash flow totalled $181M; the largest uses were dividends ($33.4M) and operating cash flow ($28.3M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$243M
Debtnone
Net cash$243M

OP Bancorp funds itself: free cash flow was $28.8M over the last twelve months, with $243M of cash and investments and no debt on the balance sheet.

Where the cash came from and went

OP Bancorp: sources (+) and uses (−) of cash, Q3 2026OP Bancorp: sources (+) and uses (−) of cash, Q3 2026Cash drawn (+) / kept (−)−$67.8MOther financing$62.1MOperating cash flow$25.4MOther investing−$17.3MDividends−$2.1MCapital spending−$221K
OP Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026OP Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026Other financing$182MOther investing−$126MCash drawn (+) / kept (−)−$76.2MOperating cash flow$29.4MDividends−$7.7MCapital spending−$565KTaxes on employees’ shares−$115KBuybacks$7K

From profit to cash

OP Bancorp: net income to operating cash flow, Q3 2026OP Bancorp: net income to operating cash flow, Q3 2026Net income$7.8MDepreciation & amortization$1.7MStock-based pay$126KDeferred taxes−$741KPrepaid and other assets$2.8MOther liabilities$1.8MOperating cash flow$25.4M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsCash drawn (+) / kept (−)Free cash flow
Q3 2026$25.4M−$221K—−$2.1M−$67.8M$25.2M
Q2 2026−$7.3M−$127K—−$2.1M−$14.8M−$7.4M
Q1 2026$7.7M−$114K—−$1.8M$7.1M$7.6M
Q4 2025$3.6M−$103K$7K−$1.8M−$563K$3.5M
Q3 2025$23.9M−$554K—−$1.8M$38.6M$23.4M
Q2 2025−$7.0M−$720K−$713K−$1.8M−$6.5M−$7.7M
Q1 2025$5.6M−$1.4M—−$1.8M−$63.9M$4.2M
Q4 2024$5.3M−$815K—−$1.8M$31.8M$4.5M

OP Bancorp: income statement and cash flow

OP Bancorp, Q3 2026: revenue $27.5M (+12% year over year), operating margin 37.8%. The chart follows the revenue to costs, profit and cash.

OP Bancorp: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.