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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 a month)
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

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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×

FAQ

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.