Filing Flows › OP Bancorp (OPBK) › Q3 2026 › vs Q2 2026
OP Bancorp (OPBK) Q3 2026 vs Q2 2026 (quarter over quarter)
OP Bancorp's revenue rose $1.8M (+7%) from $25.7M in Q2 2026 to $27.5M in Q3 2026. The biggest changes: Net interest income +$2.1M (+11%); Noninterest income −$356K (-6%). Operating margin 37.8% against 42.9% (-5.1 pts).
OP Bancorp, Q3 2026: revenue $27.5M (+12% year over year), operating margin 37.8%, net earnings $7.8M, operating cash flow $25.4M. The chart draws each line against Q2 2026, the increases inside each band.
Margins
| Q3 2026 | Q2 2026 | Change | |
|---|---|---|---|
| Operating margin | 37.8% | 42.9% | -5.1 pts |
| Net margin | 28.2% | 31.0% | -2.8 pts |
| Free cash flow margin | 91.5% | -28.9% | +120.4 pts |
Every line
| Line | Q3 2026 | Q2 2026 | Change | % |
|---|---|---|---|---|
| Net interest income | $22.2M | $20.1M | $2.1M | +11% |
| Noninterest income | $5.3M | $5.7M | −$356K | -6% |
| Revenue | $27.5M | $25.7M | $1.8M | +7% |
| Operating profit | $10.4M | $11.0M | −$649K | -6% |
| Costs & expenses | $17.1M | $14.7M | $2.4M | +17% |
| Pre-tax earnings | $10.4M | $11.0M | −$649K | -6% |
| Credit loss provision | $1.6M | −$149K | $1.7M | — |
| Noninterest expense | $15.5M | $14.8M | $686K | +5% |
| Net earnings | $7.8M | $8.0M | −$215K | -3% |
| Income tax | $2.6M | $3.1M | −$434K | -14% |
| Depreciation & amortization | $1.7M | $1.7M | −$55K | -3% |
| Share-based compensation | $126K | $193K | −$67K | -35% |
| Working capital & other | $15.8M | −$17.2M | $33.0M | — |
| Operating cash flow | $25.4M | −$7.3M | $32.7M | — |
| Free cash flow (OCF − capex) | $25.2M | −$7.4M | $32.6M | — |
| Capital expenditures | $221K | $127K | $94K | +74% |
Questions
How much did OP Bancorp's revenue grow quarter over quarter in Q3 2026?
OP Bancorp's revenue rose $1.8M (+7%) from $25.7M in Q2 2026 to $27.5M in Q3 2026.
What drove OP Bancorp's revenue change in Q3 2026?
Net interest income +$2.1M (+11%); Noninterest income −$356K (-6%).