Skip to content
OpenCapital
Get started

OP Bancorp OPBK Q4 2025 Annual earnings

Reported January 22, 2026 · Before market open

Revenue$24.3MMiss by $569.0K
EPS$0.47Miss by $0.05
Revenue estimate$24.9M
EPS estimate$0.52

Next report

Oct 22, 2026 (in 3 months)
Revenue estimate$26.5M
EPS estimate$0.53

Financials

Q4 2025

Income statement

See full
Revenue$24.3M+13.7%
Net income$7.0M+41.6%
EPS (diluted)$0.47+42.4%

Balance sheet

See full
Cash & equivalents$167.3M+24.0%
Total debt$11.2M+42.2%
Total equity$227.9M+11.2%
Total assets$2.7B+12.0%

Cash flow

See full
Operating cash flow$3.6M-32.9%
CapEx$103.0K-87.4%
Free cash flow$3.5M-23.0%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$210.18M-10.2%
Enterprise value$54.05M-49.5%
P/E8.2×-2.9×
P/S2.2×-0.6×

Profitability

See full
Net margin27.1%+1.4pp
FCF margin24.7%-11.5pp

Returns & leverage

See full
Return on equity11.8%+1.2pp
Debt / equity0×0.0×

Versus estimates

Revenue

Q2 2026$25.7MBeat by $569.0KQ1 2026$24.6MBeat by $55.0K
Q4 2025$24.3MMiss by $569.0K
Q3 2025$24.5MMiss by $74.0KQ2 2025$23.7MMiss by $161.0KQ1 2025$22.2MBeat by $984.0K

Diluted EPS

Q2 2026$0.53Beat by $0.09Q1 2026$0.48Beat by $0.07
Q4 2025$0.47Miss by $0.05
Q3 2025$0.45Beat by $0.01Q2 2025$0.42In lineQ1 2025$0.37Beat by $0.07

Ask the moment OP Bancorp reports.

Connect your AI and ask the moment the filing drops. It reads the release, surfaces what management said, and gives you its own read.

Connect your AI
Harbor at dusk
Claude

Questions, answered.

When did OP Bancorp report Q4 2025 earnings?
OP Bancorp (OPBK) reported Q4 2025 earnings on January 22, 2026 before market open.
What were OP Bancorp's Q4 2025 revenue and EPS?
OP Bancorp reported revenue of $24.3M and eps of $0.47 for Q4 2025.
Did OP Bancorp beat estimates in Q4 2025?
Revenue missed the consensus estimate of $24.9M by $569.0K. EPS missed the consensus estimate of $0.52 by $0.05.
How did OP Bancorp's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 38.5% from $39.5M a year earlier and eps grew 40.1% from $0.34.
Where can I find OP Bancorp's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001628280-26-003119) and the 10-K periodic report (0001722010-26-000002) directly on SEC EDGAR. The filing index links above go to sec.gov.