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Zacks Company Profile for OP Bancorp (OPBK : NSDQ)

• Company Description    OP Bancorp provides commercial banking services to retail and institutional customers. It offer commercial lending, home loans, online banking, cash management, certificate of deposits, wire transfers and debit and credit cards services. The company operates primarily in Seattle, Washington, Dallas, Texas and Atlanta, Georgia. OP Bancorp is headquartered in Los Angeles, California. Number of Employees: 249

• Price / Volume Information    Yesterday's Closing Price: $14.22 Daily Weekly Monthly 20 Day Moving Average: 40,028 shares Shares Outstanding: 14.89 (millions) Market Capitalization: $211.75 (millions) Beta: 0.62 52 Week High: $15.27 52 Week Low: $11.02 Short Interest Ratio:   % Price Change % Price Change Relative to S&P 500 4 Week 12.68% 5.72% 12 Week -3.92% -5.66% Year To Date 0.71% -2.09%

• Address & Contact Information Street Address Phone / Fax Email Address Web URL 1000 WILSHIRE BLVD. SUITE 500 - LOS ANGELES,CA 90017 USA ph: 213-892-9999 fax: - jaehyun.park@myopenbank.com http://www.myopenbank.com

• General Corporate Information    Officers Sang K. Oh - President; Chief Executive Officer and Director Jaehyun Park - Executive Vice President & Chief Financial Officer Min J. Kim - Director Hyung J. Kim - Director Yong Sin Shin - Director Peer Information OP Bancorp (FBA) OP Bancorp (FVNB) OP Bancorp (FSNMQ) OP Bancorp (SRYPQ) OP Bancorp (BOKF) OP Bancorp (FHN) Industry / Sector / Ticker Info Analyst Coverage: No Industry Group: BANKS-SOUTHWEST Sector: Finance CUSIP: 67109R109 SIC: 6022 Fiscal Year Fiscal Year End: December Last Reported Quarter: 12/01/25 Next Expected EPS Date: 04/23/26 Share - Related Items Shares Outstanding: 14.89 Most Recent Split Date: (:1) Beta: 0.62 Market Capitalization: $211.75 (millions)

• EPS Information     • Dividend Information Analyst Coverage: No Dividend Yield: 3.38% Current Fiscal Quarter EPS Consensus Estimate: $ Indicated Annual Dividend: $0.48 Current Fiscal Year EPS Consensus Estimate: $1.84 Payout Ratio: 0.28 Number of Estimates in the Fiscal Year Consensus: 1.00 Change In Payout Ratio: 0.01 Estmated Long-Term EPS Growth Rate: % Last Dividend Paid: 02/05/2026 - $0.12 Next EPS Report Date: 04/23/26

• Fundamental Ratios P/E Current FY Estimate: 7.73 Trailing 12 Months: 8.32 PEG Ratio: - Price Ratios Price/Book: 0.93 Price/Cash Flow: 6.43 Price / Sales: 1.27 EPS Growth vs. Year Ago Period: 42.42% vs. Previous Quarter: 4.44% Sales Growth vs. Year Ago Period: 8.19% vs. Previous Quarter: 0.11% ROE 03/31/26 - - 12/31/25 - 11.75 09/30/25 - 11.09 ROA 03/31/26 - - 12/31/25 - 0.99 09/30/25 - 0.94 Current Ratio 03/31/26 - - 12/31/25 - 1.03 09/30/25 - 1.01 Quick Ratio 03/31/26 - - 12/31/25 - 1.02 09/30/25 - 1.01 Operating Margin 03/31/26 - - 12/31/25 - 15.39 09/30/25 - 14.42 Net Margin 03/31/26 - - 12/31/25 - 15.39 09/30/25 - 14.42 Pre-Tax Margin 03/31/26 - - 12/31/25 - 21.20 09/30/25 - 19.87 Book Value 03/31/26 - - 12/31/25 - 15.31 09/30/25 - 14.88 Inventory Turnover 03/31/26 - - 12/31/25 - 6.48 09/30/25 - 7.71 Debt-to-Equity 03/31/26 - - 12/31/25 - 0.44 09/30/25 - 0.34 Debt-to-Capital 03/31/26 - - 12/31/25 - 30.41 09/30/25 - 25.30

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