Filing Flows › OP Bancorp (OPBK) › Q4 2025
OP Bancorp (OPBK) Q4 2025 earnings results (fourth quarter 2025)
10-K filed Mar 13, 2026
OP Bancorp (OPBK) reported revenue of $24.3M for the fourth quarter 2025 (Q4 2025), +14% from a year earlier and -0.8% from the quarter before. Operating margin was 39.2%, net earnings $7.0M (29.0% of revenue).
OP Bancorp, Q4 2025: revenue $24.3M (+14% year over year), operating margin 39.2%, net earnings $7.0M, operating cash flow $3.6M. The chart follows the revenue to costs, profit and cash.
| Q4 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $24.3M | -0.8% | +14% |
| Operating profit | $9.5M | -2% | +43% |
| Net earnings | $7.0M | +5% | +42% |
| Operating cash flow | $3.6M | -85% | -33% |
| Free cash flow | $3.5M | -85% | -23% |
What changed
Revenue was $24.3M in Q4 2025, up 14% year over year and down 1% from the previous quarter.
Operating profit was $9.5M, a 39.2% margin (up 8.0 points year over year). Of the extra revenue versus a year earlier, 97% reached operating profit, above the 31% margin then. Total costs grew 1% against revenue growth of 14%. Net earnings were $7.0M, up 42% year over year. The effective tax rate was 26.1%.
Operating cash flow was $3.6M (down 33% year over year), 51% of net earnings. Non-cash charges added back $1.6M of depreciation and amortization and $212K of share-based compensation. Working capital and other items used $5.3M. Capital expenditures of $103K left free cash flow of $3.5M.
Questions
What was OP Bancorp's revenue in the fourth quarter 2025?
OP Bancorp (OPBK) reported revenue of $24.3M for the fourth quarter 2025 (Q4 2025), +14% from a year earlier and -0.8% from the quarter before.
Was OP Bancorp profitable in the fourth quarter 2025?
Operating profit was $9.5M (39.2% of revenue) and net earnings $7.0M.
Source: OP Bancorp 10-K on SEC EDGAR.