OP Bancorp (OPBK)

In November 2025, OP Bancorp closed a $25 million offering of subordinated notes and reported a Third Quarter net income of $6.7 million, with diluted EPS of $0.45, while declaring a quarterly cash dividend of $0.12 per share in October 2025. In August 2025, the company announced a new stock repurchase program. Over the past six months, the stock price has increased by 3.97%, but from November 2024 to November 2025, the share price declined by 8.89%.

Demand for OP Bancorp's banking products and services is primarily influenced by broader economic cycles and interest rate environments rather than strict seasonal patterns. Demand generally aligns with business investment cycles and consumer financial needs throughout the year.

OP Bancorp, as the bank holding company for Open Bank, offers a range of banking products and services, including deposit accounts, various loans, trade financing, and cash management services. The bank focuses on serving small and medium-sized businesses, professionals, and residents, particularly Korean and other ethnic minority communities.

OP Bancorp operates full branch offices in Los Angeles, Orange, and Santa Clara Counties in California; the Dallas metropolitan area in Texas; and Clark County in Nevada. It also maintains loan production offices in Pleasanton, California; Atlanta, Georgia; Aurora, Colorado; Lynnwood, Washington; and Fairfax, Virginia. The company is headquartered in Los Angeles, California.

OP Bancorp has maintained a generally positive brand reputation, holding a "Moderate Buy" consensus rating from Wall Street analysts. In July 2025, it was upgraded to a Zacks Rank #1 (Strong Buy) due to upward trends in earnings estimates. The company's Q3 2025 performance showed robust revenue growth, an EPS beat, and stable deposits and loans, with no systemic credit risk concerns. The bank emphasizes its values-based corporate culture and commitment to the Korean-American communities through the Open Stewardship Foundation.

OP Bancorp's ownership is divided among institutional investors (50.32%), insiders (20.24%), and public/individual investors (29.44%). Major institutional shareholders include Alliancebernstein L.P., Diversify Advisory Services, LLC, Vanguard Group Inc, BlackRock, Inc., and Dimensional Fund Advisors Lp.