Filing Flows › OP Bancorp (OPBK) › Q3 2026 › vs Q3 2025
OP Bancorp (OPBK) Q3 2026 vs Q3 2025 (year over year)
OP Bancorp's revenue rose $3.0M (+12%) from $24.5M in Q3 2025 to $27.5M in Q3 2026. The biggest changes: Net interest income +$1.9M (+9%); Noninterest income +$1.2M (+28%). Operating margin 37.8% against 39.5% (-1.7 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 Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 37.8% | 39.5% | -1.7 pts |
| Net margin | 28.2% | 27.4% | +0.8 pts |
| Free cash flow margin | 91.5% | 95.6% | -4.0 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Net interest income | $22.2M | $20.3M | $1.9M | +9% |
| Noninterest income | $5.3M | $4.1M | $1.2M | +28% |
| Revenue | $27.5M | $24.5M | $3.0M | +12% |
| Operating profit | $10.4M | $9.7M | $721K | +7% |
| Costs & expenses | $17.1M | $14.8M | $2.3M | +16% |
| Pre-tax earnings | $10.4M | $9.7M | $721K | +7% |
| Credit loss provision | $1.6M | $1.2M | $422K | +36% |
| Noninterest expense | $15.5M | $13.6M | $1.9M | +14% |
| Net earnings | $7.8M | $6.7M | $1.1M | +16% |
| Income tax | $2.6M | $3.0M | −$339K | -11% |
| Depreciation & amortization | $1.7M | $3.0M | −$1.3M | -44% |
| Share-based compensation | $126K | $174K | −$48K | -28% |
| Working capital & other | $15.8M | $14.0M | $1.8M | +13% |
| Operating cash flow | $25.4M | $23.9M | $1.4M | +6% |
| Free cash flow (OCF − capex) | $25.2M | $23.4M | $1.8M | +8% |
| Capital expenditures | $221K | $554K | −$333K | -60% |
Questions
How much did OP Bancorp's revenue grow year over year in Q3 2026?
OP Bancorp's revenue rose $3.0M (+12%) from $24.5M in Q3 2025 to $27.5M in Q3 2026.
What drove OP Bancorp's revenue change in Q3 2026?
Net interest income +$1.9M (+9%); Noninterest income +$1.2M (+28%).