OP Bancorp (OPBK)

OP Bancorp closed a $25 million private placement of Subordinated Notes on November 10, 2025. Investors were pleased with a 128% return over the last five years as of December 5, 2025. On January 22, 2026, the company reported its fourth-quarter 2025 financial results, with net income of $7.1 million and diluted EPS of $0.47, and declared a quarterly cash dividend of $0.12 per share. An article from Seeking Alpha on January 23, 2026, indicated "No Cause For Concern", highlighting strong Q4 results. The ex-dividend date for the $0.12 per share quarterly dividend was February 5, 2026. Over the past year, OP Bancorp's stock has traded between $10.43 and $15.27, with a market capitalization of $208.11 million as of January 30, 2026.

There is no specific data indicating significant demand seasonality for OP Bancorp's banking products and services. Demand typically remains relatively consistent throughout the year, although economic cycles and interest rate changes can influence overall demand.

OP Bancorp (OPBK) is the holding company for Open Bank, a commercial banking institution focused on serving small and medium-sized businesses, professionals, and residents, particularly within Korean and other ethnic minority communities. The company offers a range of lending activities, including commercial real estate, commercial and industrial, SBA, home mortgage, and consumer loans. It also attracts retail deposits through its branch network, offering various deposit products and provides trade financing products, letters of credit, SWIFT and export advice, debit and credit cards, online and mobile banking solutions, and cash management services.

OP Bancorp's operations are concentrated in Los Angeles, Orange, and Santa Clara Counties in California; the Dallas metropolitan area in Texas; and Clark County in Nevada. It operates twelve full-service branch offices across these regions and maintains five loan production offices in Pleasanton, California; Atlanta, Georgia; Aurora, Colorado; Lynnwood, Washington; and Fairfax, Virginia.

OP Bancorp's brand reputation appears stable, with its financial health in the "Green zone" according to TradeSmith for over 9 months. It scored higher than 74% of companies evaluated by MarketBeat and ranked 425th out of 899 stocks in the finance sector. Analyst sentiment shows a consensus rating of "Hold", and the company's efficiency ratio and return on average assets and equity have improved.

OP Bancorp has 189 institutional owners and shareholders holding a total of 10,899,927 shares, including major shareholders such as Diversify Advisory Services, LLC, BlackRock, Inc., and Vanguard Group Inc.