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OP Bancorp OPBK Bank Owned Life Insurance Income (Expense)

Bank Owned Life Insurance Income (Expense) at other companies

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$0-100%
SMB
SmartFinancialSMBK
$913K+2.8%
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Ohio Valley Banc CorpOVBC
$246.5K+6.1%
CB Financial Services logo
CB Financial ServicesCBFV
$152K+2.0%
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First Business Financial ServicesFBIZ
$757K+73.2%
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MVB Financial Corp.MVBF
$545K+82.3%

Other financials

Income statement

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Revenue$24.6M+10.4%
Net income$7.2M+30.1%
EPS (diluted)$0.48+29.7%

Balance sheet

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Cash & equivalents$160.3M-19.4%
Total debt$10.5M+14.3%
Total equity$232.7M+10.8%
Total assets$2.7B+7.4%

Cash flow

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Operating cash flow$7.7M+37.4%
CapEx$114.0K-92.0%
Free cash flow$7.6M+81.3%

Valuation

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Market cap$223.26M+21.9%
Enterprise value$73.51M-1,032%
P/E8.2×0.0×
P/S2.3×+0.2×

Profitability

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Net margin28.2%+2.9pp
FCF margin27.6%-16.2pp

Returns & leverage

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Return on equity12.3%+1.8pp
Debt / equity0.0×

Where this comes from

Reported directly by OP Bancorp in its filing.

Tagged under the XBRL concept opbk:BankOwnedLifeInsuranceIncomeExpense.

The official record: OP Bancorp’s 10-Q, filed May 15, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is OP Bancorp's bank owned life insurance income (expense)?
OP Bancorp (OPBK) reported bank owned life insurance income (expense) of $178K in Q1 2026.
How has OP Bancorp's bank owned life insurance income (expense) changed year-over-year?
OP Bancorp's bank owned life insurance income (expense) increased by 3.5% year-over-year, from $172K to $178K.
What is the long-term trend for OP Bancorp's bank owned life insurance income (expense)?
Over 4 years (2021 to 2025), OP Bancorp's bank owned life insurance income (expense) has grown at a 28.9% compound annual growth rate (CAGR), from $255K to $704K.
What does bank owned life insurance income (expense) mean?
Reflects the income or expense recognized from bank-owned life insurance (BOLI) policies, which are typically held to offset the costs of employee benefit plans. It captures the tax-advantaged growth of the cash surrender value of these policies.