Filing Flows › OP Bancorp (OPBK) › Q3 2025
OP Bancorp (OPBK) Q3 2025 earnings results (third quarter 2025)
10-Q filed Nov 7, 2025
OP Bancorp (OPBK) reported revenue of $24.5M for the third quarter 2025 (Q3 2025), +18% from a year earlier and +3% from the quarter before. Operating margin was 39.5%, net earnings $6.7M (27.4% of revenue).
OP Bancorp, Q3 2025: revenue $24.5M (+18% year over year), operating margin 39.5%, net earnings $6.7M, operating cash flow $23.9M. The chart follows the revenue to costs, profit and cash.
| Q3 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $24.5M | +3% | +18% |
| Operating profit | $9.7M | +15% | +28% |
| Net earnings | $6.7M | +6% | +23% |
| Operating cash flow | $23.9M | — | +80% |
| Free cash flow | $23.4M | — | +83% |
What changed
Revenue was $24.5M in Q3 2025, up 18% year over year and up 3% from the previous quarter.
Operating profit was $9.7M, a 39.5% margin (up 3.0 points year over year). Of the extra revenue versus a year earlier, 56% reached operating profit, above the 37% margin then. Total costs grew 12% against revenue growth of 18%. The fastest-growing cost line was Credit loss provision (+162%). Net earnings were $6.7M, up 23% year over year. The effective tax rate was 30.7%.
Operating cash flow was $23.9M (up 80% year over year), 357% of net earnings. Non-cash charges added back $4.9M of depreciation and amortization and $174K of share-based compensation. Working capital and other items added $12.2M. Capital expenditures of $554K left free cash flow of $23.4M.
Questions
What was OP Bancorp's revenue in the third quarter 2025?
OP Bancorp (OPBK) reported revenue of $24.5M for the third quarter 2025 (Q3 2025), +18% from a year earlier and +3% from the quarter before.
Was OP Bancorp profitable in the third quarter 2025?
Operating profit was $9.7M (39.5% of revenue) and net earnings $6.7M.
Source: OP Bancorp 10-Q on SEC EDGAR.