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Side-by-side financial comparison of OP Bancorp (OPBK) and WEST BANCORPORATION INC (WTBA). Click either name above to swap in a different company.
WEST BANCORPORATION INC is the larger business by last-quarter revenue ($26.9M vs $24.3M, roughly 1.1× OP Bancorp). On growth, WEST BANCORPORATION INC posted the faster year-over-year revenue change (16.6% vs 13.7%). OP Bancorp produced more free cash flow last quarter ($23.4M vs $12.4M). Over the past eight quarters, WEST BANCORPORATION INC's revenue compounded faster (17.3% CAGR vs 11.4%).
OP Bancorp is the bank holding company for Open Bank, a community-oriented commercial bank headquartered in California, United States. It provides a full range of banking solutions including deposit accounts, commercial real estate loans, small business financing, and consumer lending products, primarily catering to small and medium-sized enterprises, local immigrant communities, and retail clients across Southern California.
West Bancorporation Inc. is a regional financial holding company headquartered in the U.S. Midwest, primarily serving markets across Iowa and Minnesota. It provides a full suite of personal and commercial banking services, including deposit accounts, mortgage loans, business lending, and wealth management solutions for individual consumers, small-to-medium enterprises, and local organizational clients.
OPBK vs WTBA — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $24.3M | $26.9M |
| Net Profit | — | $10.6M |
| Gross Margin | — | — |
| Operating Margin | 39.2% | 50.0% |
| Net Margin | — | 39.2% |
| Revenue YoY | 13.7% | 16.6% |
| Net Profit YoY | — | 34.8% |
| EPS (diluted) | $0.48 | $0.61 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q1 26 | — | $26.9M | ||
| Q4 25 | $24.3M | $24.2M | ||
| Q3 25 | $24.5M | $25.0M | ||
| Q2 25 | $23.7M | $23.8M | ||
| Q1 25 | $22.2M | $23.1M | ||
| Q4 24 | $21.3M | $20.9M | ||
| Q3 24 | $20.7M | $20.3M | ||
| Q2 24 | $20.4M | $19.6M |
| Q1 26 | — | $10.6M | ||
| Q4 25 | — | $7.4M | ||
| Q3 25 | $6.7M | $9.3M | ||
| Q2 25 | $6.3M | $8.0M | ||
| Q1 25 | $5.6M | $7.8M | ||
| Q4 24 | — | $7.1M | ||
| Q3 24 | $5.4M | $6.0M | ||
| Q2 24 | $5.4M | $5.2M |
| Q1 26 | — | 50.0% | ||
| Q4 25 | 39.2% | 39.6% | ||
| Q3 25 | 39.5% | 45.8% | ||
| Q2 25 | 35.7% | 43.4% | ||
| Q1 25 | 34.6% | 43.4% | ||
| Q4 24 | 31.2% | 30.9% | ||
| Q3 24 | 36.5% | 36.6% | ||
| Q2 24 | 37.2% | 32.6% |
| Q1 26 | — | 39.2% | ||
| Q4 25 | — | 30.7% | ||
| Q3 25 | 27.4% | 37.3% | ||
| Q2 25 | 26.7% | 33.5% | ||
| Q1 25 | 25.0% | 34.0% | ||
| Q4 24 | — | 34.0% | ||
| Q3 24 | 26.2% | 29.3% | ||
| Q2 24 | 26.7% | 26.5% |
| Q1 26 | — | $0.61 | ||
| Q4 25 | $0.48 | $0.44 | ||
| Q3 25 | $0.45 | $0.55 | ||
| Q2 25 | $0.42 | $0.47 | ||
| Q1 25 | $0.37 | $0.46 | ||
| Q4 24 | $0.33 | $0.41 | ||
| Q3 24 | $0.36 | $0.35 | ||
| Q2 24 | $0.36 | $0.31 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $167.3M | $362.0M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $227.9M | $270.7M |
| Total Assets | $2.7B | $4.0B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $362.0M | ||
| Q4 25 | $167.3M | $471.1M | ||
| Q3 25 | $166.7M | $232.9M | ||
| Q2 25 | $205.4M | $345.2M | ||
| Q1 25 | $198.9M | — | ||
| Q4 24 | $134.9M | $243.5M | ||
| Q3 24 | $166.8M | — | ||
| Q2 24 | $127.7M | — |
| Q1 26 | — | $270.7M | ||
| Q4 25 | $227.9M | $266.0M | ||
| Q3 25 | $221.5M | $255.1M | ||
| Q2 25 | $213.7M | $240.9M | ||
| Q1 25 | $210.1M | $237.9M | ||
| Q4 24 | $205.0M | $227.9M | ||
| Q3 24 | $203.6M | $235.4M | ||
| Q2 24 | $195.9M | $223.9M |
| Q1 26 | — | $4.0B | ||
| Q4 25 | $2.7B | $4.1B | ||
| Q3 25 | $2.6B | $4.0B | ||
| Q2 25 | $2.6B | $4.1B | ||
| Q1 25 | $2.5B | $4.0B | ||
| Q4 24 | $2.4B | $4.0B | ||
| Q3 24 | $2.4B | $4.0B | ||
| Q2 24 | $2.3B | $4.0B |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $26.2M | $12.9M |
| Free Cash FlowOCF − Capex | $23.4M | $12.4M |
| FCF MarginFCF / Revenue | 96.2% | 46.0% |
| Capex IntensityCapex / Revenue | 11.5% | 1.8% |
| Cash ConversionOCF / Net Profit | — | 1.22× |
| TTM Free Cash FlowTrailing 4 quarters | $43.3M | $79.1M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $12.9M | ||
| Q4 25 | $26.2M | $46.5M | ||
| Q3 25 | $23.9M | $11.4M | ||
| Q2 25 | $-7.0M | $13.5M | ||
| Q1 25 | $5.6M | $9.7M | ||
| Q4 24 | $31.2M | $39.8M | ||
| Q3 24 | $13.3M | $12.9M | ||
| Q2 24 | $15.8M | $10.0M |
| Q1 26 | — | $12.4M | ||
| Q4 25 | $23.4M | $43.2M | ||
| Q3 25 | $23.4M | $10.8M | ||
| Q2 25 | $-7.7M | $12.8M | ||
| Q1 25 | $4.2M | $8.3M | ||
| Q4 24 | $29.7M | $13.7M | ||
| Q3 24 | $12.8M | $7.0M | ||
| Q2 24 | $15.7M | $2.7M |
| Q1 26 | — | 46.0% | ||
| Q4 25 | 96.2% | 178.3% | ||
| Q3 25 | 95.6% | 43.0% | ||
| Q2 25 | -32.5% | 53.6% | ||
| Q1 25 | 19.0% | 35.7% | ||
| Q4 24 | 139.0% | 65.6% | ||
| Q3 24 | 61.5% | 34.2% | ||
| Q2 24 | 77.0% | 14.0% |
| Q1 26 | — | 1.8% | ||
| Q4 25 | 11.5% | 13.7% | ||
| Q3 25 | 2.3% | 2.6% | ||
| Q2 25 | 3.0% | 3.2% | ||
| Q1 25 | 6.4% | 6.5% | ||
| Q4 24 | 7.3% | 125.3% | ||
| Q3 24 | 2.8% | 29.4% | ||
| Q2 24 | 0.4% | 37.1% |
| Q1 26 | — | 1.22× | ||
| Q4 25 | — | 6.26× | ||
| Q3 25 | 3.57× | 1.23× | ||
| Q2 25 | -1.10× | 1.70× | ||
| Q1 25 | 1.02× | 1.24× | ||
| Q4 24 | — | 5.61× | ||
| Q3 24 | 2.45× | 2.17× | ||
| Q2 24 | 2.90× | 1.93× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
