OP Bancorp Reports 5% Increase in Q4 Net Income to $7.06 Million
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jan 22 2026
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Source: Newsfilter
- Net Income Growth: OP Bancorp's net income for Q4 reached $7.06 million, reflecting a 5% increase from Q3, indicating the company's ongoing strong performance in loan growth and interest income, showcasing its robust financial health.
- Earnings Per Share Increase: Diluted EPS rose from $0.45 to $0.47, an increase of $0.02, demonstrating improvements in profitability and enhancing investor confidence in future growth prospects.
- Loan and Deposit Growth: Average loans and deposits increased by 3% and 2%, respectively, indicating customer trust and reliance on the company's services, further solidifying its market position.
- Reduction in Credit Loss Reserves: Provision for credit losses decreased by 61% to $463,000, reflecting the company's optimistic outlook on future economic conditions while maintaining adequate risk management reserves, thereby enhancing its risk resilience.
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Analyst Views on OPBK
Wall Street analysts forecast OPBK stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for OPBK is 16.50 USD with a low forecast of 16.00 USD and a high forecast of 17.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
2 Analyst Rating
1 Buy
1 Hold
0 Sell
Moderate Buy
Current: 13.865
Low
16.00
Averages
16.50
High
17.00
Current: 13.865
Low
16.00
Averages
16.50
High
17.00
About OPBK
OP Bancorp is the holding company for Open Bank (the Bank). The Bank is engaged in the general commercial banking business in Los Angeles, Orange, and Santa Clara Counties in California, the Dallas metropolitan area in Texas, and Clark County in Nevada and is focused on serving the banking needs of small- and medium-sized businesses, professionals, and residents, with a particular emphasis on Korean and other ethnic minority communities. Its lending activities are diversified and include commercial real estate, commercial and industrial, SBA, home mortgage, and consumer loans. The Bank operates approximately 11 full-service branch offices in Downtown Los Angeles, Los Angeles Fashion District, Los Angeles Koreatown, Cerritos, Gardena, Buena Park, and Santa Clara, California, Carrollton, Texas and Las Vegas, Nevada. The Bank also has five loan production offices in Pleasanton, California, Atlanta, Georgia, Aurora, Colorado, Lynnwood, Washington, and Fairfax, Virginia.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
OP Bancorp Reports Q4 EPS of $0.47 with 13.7% Revenue Growth
- Earnings Highlight: OP Bancorp reported a Q4 GAAP EPS of $0.47, demonstrating stable profitability and resilience in a competitive financial market.
- Revenue Growth: The company achieved revenue of $24.28 million in Q4, reflecting a 13.7% year-over-year increase, primarily driven by strong performance in loan and deposit activities, indicating sustained market demand.
- Market Performance: OP Bancorp's financial results exceeded market expectations, potentially boosting investor confidence and positively impacting stock prices, further solidifying its position in the industry.
- Future Outlook: With the ongoing economic recovery, OP Bancorp is poised to maintain growth momentum in the coming quarters, especially against a backdrop of improving credit demand and interest rate conditions.
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OP Bancorp Reports 5% Increase in Q4 Net Income to $7.059 Million
- Net Income Growth: OP Bancorp's Q4 net income increased by 5% year-over-year to $7.059 million, primarily driven by a 3% rise in net interest income and a 61% reduction in provision for credit losses, demonstrating the company's resilience amid economic recovery.
- Earnings Per Share Increase: Diluted EPS rose to $0.47, up $0.02 from the previous quarter, reflecting ongoing improvements in profitability and enhanced shareholder value.
- Loan and Deposit Growth: Average loans and deposits grew by 3% and 2%, respectively, indicating customer trust in the company's relationship-driven business model and laying a foundation for future business expansion.
- Stable Credit Quality: Nonperforming loans remained low at 0.64%, with a net recovery rate of 0.03%, highlighting the effectiveness of the company's risk management and the stability of its asset quality.
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