OP Bancorp (OPBK)

In April 2025, OP Bancorp reported a net income of $5.6 million and declared a dividend of $0.12 per share. In July 2025, the company announced a net income of $6.3 million, declared a dividend of $0.12 per share, and Keefe, Bruyette & Woods increased their price objective to $15.50. In August 2025, a new stock repurchase program was announced, and Zacks Research lowered the rating to "hold". In October 2025, OP Bancorp reported strong third-quarter results with a net income of $6.7 million, declared a dividend of $0.12 per share, and Weiss Ratings reaffirmed a "buy" rating. The share price as of October 9, 2025, was $13.53, an increase of 8.76% from the previous year.

The banking industry experiences seasonal trends, with loan demand typically lowest in January and February, increasing through March, peaking in August or September, and declining towards December. These trends are influenced by changes in interest rates and, for community banks, agricultural lending. While specific data for OP Bancorp is unavailable, these general industry trends likely apply to its operations.

OP Bancorp (OPBK) is the bank holding company for Open Bank, focusing on general commercial banking within the Financial Services sector. It serves small to medium-sized businesses, professionals, and residents, particularly Korean and other ethnic minority communities. The bank offers a range of deposit accounts and loans, including commercial real estate, SBA, and consumer loans, along with digital banking solutions and cash management services.

OP Bancorp operates full branch offices in Los Angeles, Orange, and Santa Clara Counties in California, as well as in Carrollton, Texas, and Las Vegas, Nevada. It also has loan production offices in Pleasanton, California; Atlanta, Georgia; Aurora, Colorado; Lynnwood, Washington; and Fairfax, Virginia.

OP Bancorp emphasizes relationship-focused banking services, particularly catering to Korean and other ethnic minority communities. Consistent financial performance, dividend declarations, and a stock repurchase program contribute to a positive perception among investors. There were no specific events reported that significantly impacted OP Bancorp's brand reputation beyond routine business operations and financial reporting.

OP Bancorp has significant institutional ownership, with 180 institutional owners holding approximately 56.47% to 62.61% of the stock. Major institutional owners include Alliancebernstein L.P., Diversify Advisory Services, LLC, Vanguard Group Inc, and BlackRock, Inc. Individual investors account for approximately 22.3% of the ownership.