Filing Flows › OP Bancorp (OPBK) › Q2 2025
OP Bancorp (OPBK) Q2 2025 earnings results (second quarter 2025)
10-Q filed Aug 11, 2025
OP Bancorp (OPBK) reported revenue of $23.7M for the second quarter 2025 (Q2 2025), +16% from a year earlier and +7% from the quarter before. Operating margin was 35.7%, net earnings $6.3M (26.7% of revenue).
OP Bancorp, Q2 2025: revenue $23.7M (+16% year over year), operating margin 35.7%, net earnings $6.3M, operating cash flow −$7.0M. The chart follows the revenue to costs, profit and cash.
| Q2 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $23.7M | +7% | +16% |
| Operating profit | $8.4M | +10% | +12% |
| Net earnings | $6.3M | +14% | +17% |
| Operating cash flow | −$7.0M | -224% | — |
What changed
Revenue was $23.7M in Q2 2025, up 16% year over year and up 7% from the previous quarter.
Operating profit was $8.4M, a 35.7% margin (down 1.5 points year over year). Of the extra revenue versus a year earlier, 26% reached operating profit, below the 37% margin then. Total costs grew 19% against revenue growth of 16%. The fastest-growing cost line was Credit loss provision (+95%). Net earnings were $6.3M, up 17% year over year. The effective tax rate was 25.0%.
Operating cash flow was −$7.0M. Non-cash charges added back $394K of depreciation and $153K of share-based compensation. Working capital and other items used $13.8M. Capital expenditures of $720K exceeded it, leaving free cash flow of −$7.7M.
Questions
What was OP Bancorp's revenue in the second quarter 2025?
OP Bancorp (OPBK) reported revenue of $23.7M for the second quarter 2025 (Q2 2025), +16% from a year earlier and +7% from the quarter before.
Was OP Bancorp profitable in the second quarter 2025?
Operating profit was $8.4M (35.7% of revenue) and net earnings $6.3M.
Source: OP Bancorp 10-Q on SEC EDGAR.