OP Bancorp — Earnings Quality Grade C
OPBK · Financial Services
Some red flags
Screening Summary
管理层信号
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 40 days, change -0 days YoY
AR growth 14.1% vs revenue growth 15.4%
Revenue grew 15.4% but CFFO declined -16.3%
Small-cap context: Small-cap revenue/CFFO ratio is sensitive to growth-stage working-capital draws.
Expense Quality
No material inventory
CapEx growth 79.3% is >2x revenue growth 15.4%
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.02. Profits backed by cash
FCF $0.0B, FCF/NI = 0.91
Accruals ratio = -0.0%. Low accruals
Cash $0.2B covers debt $0.1B
Balance Sheet Health
No goodwill. Clean balance sheet
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
No goodwill
Manipulation Score
Insufficient data
Altman Z-Score — Not Applicable
OP Bancorp is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25