OP Bancorp (OPBK)
OP Bancorp brought in $1.9M of revenue over the twelve months to September 30, 2026, down 48.6% from a year earlier. Net income was $30M, a net margin of 1,573.1%. Operating cash flow minus capital spending left $23.4M of free cash flow in fiscal 2025. At September 30, 2026 it held $242.9M in cash. Its latest periodic report to the SEC is the quarterly report (10-Q) filed on November 6, 2026.
Key facts about OP Bancorp
- Net worth
- OP Bancorp has a market value (market cap) of $222.9M at the latest share price, and shareholders' equity of $239.9M on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
- Cash flow
- In fiscal 2025 operations brought in $26.2M of cash; after $2.8M of capital spending, free cash flow was $23.4M.
- Latest report
- The latest periodic report (quarterly report, 10-Q) was filed with the SEC on November 6, 2026 and covers the period to September 30, 2026. Open on SEC EDGAR
- Next earnings report
- OP Bancorp's next report is expected around January 21, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
- Dividend
- OP Bancorp declared dividends of $0.48 per share in fiscal 2025, a yield of 3.22% at the current price.
What OP Bancorp does
OP Bancorp is registered with the SEC under industry code SIC 6022 (State Commercial Banks). Its shares trade on NASDAQ under the ticker OPBK.
Revenue and profit by year
Key figures
| Fiscal year | Revenue | Net income | Diluted EPS | Free cash flow |
|---|---|---|---|---|
| 2025 | $3.2M | $25.6M | $1.72 | $23.4M |
| 2024 | $3.3M | $21.1M | $1.39 | $29.7M |
| 2023 | $2.1M | $23.9M | $1.55 | $65.6M |
| 2022 | $1.7M | $33.3M | $2.14 | $82.3M |
| 2021 | $1.6M | $28.8M | $1.88 | -$29.4M |
| 2020 | $1.4M | $13.1M | $0.85 | -$5.5M |
Earnings: every quarter and the next report date
Full financial statements: income, balance sheet and cash flow
Where OPBK ranks in Finance
Dividends
OP Bancorp declared $0.48 per share in fiscal 2025. At the current price that is a yield of 3.22%. It paid out $7.1M in cash dividends, 28% of its net income.
| Fiscal year | Per share | Paid out | Of profit |
|---|---|---|---|
| 2025 | $0.48 | $7.1M | 28% |
| 2024 | $0.48 | $7.1M | 34% |
| 2023 | $0.48 | $7.3M | 30% |
| 2022 | $0.44 | $6.7M | 20% |
| 2021 | $0.34 | $5.1M | 18% |
| 2020 | $0.28 | $4.3M | 32% |
Latest SEC filings
What OP Bancorp has filed recently, newest first. Each links to the original document on SEC EDGAR.
- November 6, 2026Quarterly report 10-Q · period to September 30, 2026Revenue fell 35% to $468K versus the same quarter last year; diluted EPS $0.52 versus $0.45.
- October 22, 2026
- August 7, 2026Quarterly report 10-Q · period to June 30, 2026Revenue fell 49% to $515K versus the same quarter last year; diluted EPS $0.53 versus $0.42.
- July 29, 2026Passive stake (5% or more) SCHEDULE 13G
- July 23, 2026
- May 28, 2026
- May 15, 2026Quarterly report 10-Q · period to March 31, 2026Revenue fell 54% to $463K versus the same quarter last year; diluted EPS $0.48 versus $0.37.
- May 11, 2026Late quarterly report notice NT 10-Q
- April 23, 2026
- April 16, 2026
What is OPBK worth? A DCF from its reported cash flow
Insider trades
What the people running OP Bancorp did with its shares, from the Form 4 filings they must send the SEC within two business days.
No insider trades were reported in the last 90 days.
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| July 1, 2026 | OH Sang KyoChief Executive Officer, Director | Exercised options | 5,865 | - |
| June 24, 2026 | OH Sang KyoChief Executive Officer, Director | Exercised options | 9,000 | - |
| June 12, 2026 | Oh Christine YoonChief Operating Officer | Sold | 1,549 | $22K |
| June 11, 2026 | Oh Christine YoonChief Operating Officer | Sold | 8,251 | $116.2K |
| June 10, 2026 | Oh Christine YoonChief Operating Officer | Sold | 12,018 | $171.7K |
| June 8, 2026 | Park Jae H.Chief Risk Officer | Exercised options | 3,846 | - |
| June 8, 2026 | Park Jae H.Chief Risk Officer | Shares withheld for tax | 1,241 | $17.6K |
| May 28, 2026 | Shin Yong SinDirector | Exercised options | 2,408 | - |
Who owns OPBK
Three views from three kinds of SEC filings, each with its own date. They overlap and are not added up.
5% holders
Largest institutional holders
Insiders
12 insiders reported holding 1,422,266 shares in total, about $21.2M at the last price.
| Holder | Shares |
|---|---|
| Kim MinDirector | 614,796 |
| Shin Yong SinDirector | 499,670 |
| Oh Christine YoonChief Operating Officer | 120,788 |
| Yoon Ki WonDirector | 52,818 |
| OH Sang KyoChief Executive Officer, Director | 50,865 |
| Won WesleyChief Technology Officer | 30,611 |
| Sohn Myung ShinDirector | 17,034 |
| Park Jae H.Chief Risk Officer | 10,298 |
| Kwon SunnyDirector | 9,235 |
| Kim Hyung JDirector | 9,235 |
Questions about OPBK
What does OP Bancorp do?
OP Bancorp is a company in the Finance sector, listed on NASDAQ as OPBK. Its shares trade on NASDAQ under the ticker OPBK.
What is OP Bancorp's net worth?
OP Bancorp has a market value (market cap) of $222.9M at the latest share price, and shareholders' equity of $239.9M on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
Is OP Bancorp profitable?
Yes. Over the twelve months to September 30, 2026 it reported net income of $30M on revenue of $1.9M, a net margin of 1,573.1%.
How much revenue does OP Bancorp make?
Over the twelve months to September 30, 2026 OP Bancorp reported revenue of $1.9M. That is 48.6% less than a year earlier.
When did OP Bancorp last report?
Its most recent periodic report is the quarterly report (10-Q) filed on November 6, 2026. It covers the period to September 30, 2026.
When is OP Bancorp's next earnings report?
OP Bancorp's next report is expected around January 21, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
Does OP Bancorp pay a dividend?
Yes. OP Bancorp declared dividends of $0.48 per share in fiscal 2025, a yield of 3.22% at the current price.
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Where the numbers come from
Financial figures are the values OP Bancorp tagged in its own SEC filings (XBRL), taken from the latest filing for each period, so restatements replace older figures. Revenue, profit and cash flow are for full fiscal years unless marked as the last twelve months, which is the sum of the four most recent quarters. Where a company reports only the full year, the fourth quarter is the year minus the first three.
Prices are delayed end-of-day market data in the listing currency, and market cap moves with the price. P/E is shown only when earnings per share are positive. Nothing here is investment advice.