All three tenses have at least two readings, so the archetype blend applies as printed.
All nine metrics read as filed from the record.
What did they actually do?
Has it survived what it has been through?
2 warning events since 2017; the latest 2026-05-11.
From the record
OP Bancorp's filings since 2017 show 2 warning events: a late-report notice (Form NT 10-K or NT 10-Q, 2 times, the latest 2026-05-11) (its current reports).
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What has it actually done, year after year?
+10.8% a year over 10 filed years; profitable in 10 of 10.
From the record
OP Bancorp's 10 filed years say what it did: revenue went from $1 million in fiscal 2016 to $3 million in fiscal 2025, up 10.8% a year; it rose in 7 of 9 years; the deepest fall was 29% from fiscal 2019 to fiscal 2020; net income was positive in 10 of 10 of those years (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How has it treated the people who own it?
Share count shrank 0.7% a year. 23% of cash flow returned. Insiders: 4 sales, 0 purchases.
From the record
Over the 3 fiscal years to 2025-12-31, OP Bancorp's diluted share count shrank about 0.7% a year, and dividends and buybacks returned about 23% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 4 sales and 0 purchases of their own stock on the open market in the year to 2026-09-30 (their Form 4 filings).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they doing right now?
Is it financially healthy right now?
ROE 11%: 11¢ of profit per shareholder dollar. Leverage 91%: owes 91¢ per asset dollar.
From the record
Return on equity: in the fiscal year ended 2025-12-31, OP Bancorp earned about 11 cents of profit for every dollar of shareholders' money. Leverage: it owed about 91 cents per dollar of assets, and net share issuance: its share count grew 0.2% over the year (the filed statements).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How strong is its position in its industry?
top 39% of 155 in its family; net margin 800.1%.
From the record
OP Bancorp's standing among 155 graded names in its industry family: revenue of $3 million in fiscal 2025 ranks in the bottom 2% by size; a net margin of 800.1% ranks in the top 2%; revenue growth of 24.1% a year over the last 3 filed years ranks in the top 18% (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are the people in charge doing?
bottom 16% of 150 in its family for leadership; chief executive since 2025.
From the record
OP Bancorp's leadership, from its insiders' filings and its current reports: the chief executive on the record is Oh, Sang Kyo (Chief Executive Officer, as filed), filing under that title since 2025-06-24, 1.4 years (bottom 12% of its family); the 13 officers and directors filing in the last fifteen months have been on the record a median of 3.4 years (bottom 4%); 5 officer or director changes were reported on Form 8-K since 2023-11-13, against the 13 people in charge now (bottom 33%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they set up to do next?
How much room does it have to grow?
top 13% of 142 in its family for room to expand.
From the record
OP Bancorp's room to grow, from the newest filed statements (fiscal 2025): cash of $167 million against no long-term debt tagged leaves 6.3% of its assets as net cash, top 23% of its family; cash from operations less capital spending is 729.1% of revenue (top 2%) (its annual report).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What could actually drive growth from here?
top 39% of 152 in its family for growth drivers.
From the record
OP Bancorp's growth drivers, from the filed years to fiscal 2025: revenue grew 24.1% a year over the last three filed years against 10.8% over all 10, speeding up (top 7% of its family); the newest year grew -1.7% (bottom 19%); capital spending grew 25.6% a year (top 30%) (its annual reports). OP Bancorp tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
Did its newest year beat what its own record pointed to?
bottom 10% of 150 in its family for expectations against reality.
From the record
OP Bancorp's newest year against its own record: revenue of $3 million in fiscal 2025 came in 29.6% below the $5 million its prior three years' pace pointed to (bottom 5% of its family); net income of $26 million against a prior three-year average of $26 million (bottom 24%); a net margin of more than its whole revenue against more than its whole revenue before (bottom 1%) (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made