OP BancorpOPBKEarnings & Financial Report
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.
Revenue
$20.4M
Gross Profit
N/A
Operating Profit
$7.6M
Net Profit
$5.4M
Gross Margin
N/A
Operating Margin
37.2%
Net Margin
26.7%
YoY Growth
-2.3%
EPS
$0.36
OP Bancorp Q2 FY2024 Financial Summary
OP Bancorp reported revenue of $20.4M (down 2.3% YoY) for Q2 FY2024, with a net profit of $5.4M (down 10.8% YoY) (26.7% margin).
Key Financial Metrics
| Total Revenue | $20.4M |
|---|---|
| Net Profit | $5.4M |
| Gross Margin | N/A |
| Operating Margin | 37.2% |
| Report Period | Q2 FY2024 |
OP Bancorp Annual Revenue by Year
OP Bancorp annual revenue history includes year-by-year totals (for example, 2025 revenue was $94.7M).
| Year | Annual Revenue |
|---|---|
| 2025 | $94.7M |
| 2024 | $82.0M |
| 2023 | $2.1M |
| 2022 | $1.7M |
OP Bancorp Quarterly Revenue & Net Profit History
OP Bancorp results over the last 8 reported quarters, including revenue, net profit and year-over-year growth.
| Quarter | Revenue | Revenue YoY | Net Profit | Net Margin |
|---|---|---|---|---|
| Q4 FY2025 | $24.3M | +13.7% | N/A | N/A |
| Q3 FY2025 | $24.5M | +18.0% | $6.7M | 27.4% |
| Q2 FY2025 | $23.7M | +16.2% | $6.3M | 26.7% |
| Q1 FY2025 | $22.2M | +13.6% | $5.6M | 25.0% |
| Q4 FY2024 | $21.3M | +7.2% | N/A | N/A |
| Q3 FY2024 | $20.7M | +4.2% | $5.4M | 26.2% |
| Q2 FY2024 | $20.4M | -2.3% | $5.4M | 26.7% |
| Q1 FY2024 | $19.6M | -11.8% | $5.2M | 26.7% |
Income Statement
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $19.6M | $20.4M | $20.7M | $21.3M | $22.2M | $23.7M | $24.5M | $24.3M |
| YoY Growth | -11.8% | -2.3% | 4.2% | 7.2% | 13.6% | 16.2% | 18.0% | 13.7% |
Balance Sheet
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Assets | $2.23B | $2.29B | $2.39B | $2.37B | $2.51B | $2.56B | $2.61B | $2.65B |
| Liabilities | $2.04B | $2.09B | $2.18B | $2.16B | $2.30B | $2.35B | $2.39B | $2.42B |
| Equity | $194.7M | $195.9M | $203.6M | $205.0M | $210.1M | $213.7M | $221.5M | $227.9M |
Cash Flow
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Operating CF | $-3.2M | $15.8M | $13.3M | $31.2M | $5.6M | $-7.0M | $23.9M | $26.2M |