Filing Flows › OP Bancorp (OPBK) › How it makes money
How OP Bancorp (OPBK) makes money
OP Bancorp (OPBK) made $27.5M of revenue in the third quarter 2026 (Q3 2026), +12% from a year earlier. Net interest income brought in $22.2M (81%); Noninterest income brought in $5.3M (19%). Of every dollar of revenue, 38¢ was left as operating profit, 28¢ was left as net earnings.
Drawing the Sankey…
Revenue by segment, Q3 2026
| Segment | Revenue | Share | Q/Q | Y/Y |
|---|---|---|---|---|
| Net interest income | $22.2M | 80.7% | +11% | +9% |
| Noninterest income | $5.3M | 19.3% | -6% | +28% |
Where each dollar of revenue goes
| Line | Q3 2026 | % of revenue |
|---|---|---|
| Revenue | $27.5M | 100.0% |
| Operating profit | $10.4M | 37.8% |
| Income tax | $2.6M | 9.6% |
| Net earnings | $7.8M | 28.2% |
| Operating cash flow | $25.4M | 92.3% |
| Free cash flow | $25.2M | 91.5% |
Revenue, quarter by quarter
| Quarter | Revenue | Y/Y |
|---|---|---|
| Q3 2026 | $27.5M | +12% |
| Q2 2026 | $25.7M | +9% |
| Q1 2026 | $24.6M | +10% |
| Q4 2025 | $24.3M | +14% |
| Q3 2025 | $24.5M | +18% |
| Q2 2025 | $23.7M | +16% |
| Q1 2025 | $22.2M | +14% |
From OP Bancorp's 10-Q filed Nov 6, 2026 (on EDGAR).
Questions
How does OP Bancorp make money?
OP Bancorp (OPBK) made $27.5M of revenue in the third quarter 2026 (Q3 2026), +12% from a year earlier. Net interest income brought in $22.2M (81%); Noninterest income brought in $5.3M (19%). Of every dollar of revenue, 38¢ was left as operating profit, 28¢ was left as net earnings.
What is OP Bancorp's biggest business?
Net interest income: $22.2M in the third quarter 2026, 81% of revenue, +9% from a year earlier.
What is OP Bancorp's profit margin?
Net earnings were $7.8M, 28.2% of revenue, in the third quarter 2026; the operating margin was 37.8%.
Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.