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as of 03-03-2026 3:47pm EST

$13.42
+$0.03
+0.22%
Stocks Finance Major Banks Nasdaq

OP Bancorp is engaged in the general commercial banking business in Los Angeles, Orange, and Santa Clara Counties, California, Carrollton, Texas, and Las Vegas, Nevada. The Bank 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. It operates with eleven full branches.

Founded: 2005 Country:
United States
United States
Employees: N/A City: LOS ANGELES
Market Cap: 220.5M IPO Year: 2018
Target Price: $16.50 AVG Volume (30 days): 23.3K
Analyst Decision: Buy Number of Analysts: 2
Dividend Yield:
3.58%
Dividend Payout Frequency: quarterly
EPS: 1.25 EPS Growth: -10.32
52 Week Low/High: $10.43 - $15.27 Next Earning Date: N/A
Revenue: $3,261,000 Revenue Growth: 53.60%
Revenue Growth (this year): 16.07% Revenue Growth (next year): 11.60%
P/E Ratio: 10.74 Index: N/A
Free Cash Flow: 29.8M FCF Growth: N/A

AI-Powered OPBK Daily Prediction

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AI Recommendation

hold
Model Accuracy: 70.86%
70.86%
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Disclaimer: This prediction is generated by an AI model and should not be considered as financial advice. Always conduct your own research and consult with financial professionals before making investment decisions.

Earnings Transcripts

SEC 8-K filings with transcript text

View All
2025
Q4

Q4 2025 Earnings

8-K SELL

Jan 22, 2026 · 100% conf.

AI Prediction SELL

1D

-1.07%

$14.64

5D

-3.58%

$14.27

20D

-2.58%

$14.42

Price: $14.80 Prob +5D: 0% AUC: 1.000
0001628280-26-003119

opbk-202601220001722010False00017220102026-01-222026-01-22

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549


FORM 8-K


CURRENT REPORT

Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 22, 2026


OP BANCORP

(Exact name of registrant as specified in its charter)


California001-3843781-3114676 (State or other jurisdiction of incorporation) (Commission File Number)(IRS Employer Identification No.)

1000 Wilshire Blvd, Suite 500, Los Angeles, CA 90017 (Address of principal executive offices)(Zip Code)

Registrant’s telephone number, including area code: (213) 892-9999

Not Applicable (Former name or former address, if changed since last report.)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (See General Instruction A.2 below):

☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each classTrading Symbol(s)Name of each exchange on which registered Common Stock, No Par ValueOPBKNASDAQ Global Market

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter). Emerging growth company ☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act ☐

Item 2.02    Results of Operations and Financial Condition On January 22, 2026, OP Bancorp, (the “Company”), the holding company for Open Bank, issued its press release announcing preliminary unaudited financial results for the fourth quarter and fiscal year ended December 31, 2025. A copy of the press release is attached as Exhibit 99.1 to this Current Report on Form 8-K and is incorporated herein by reference in this Item 2.02.

The information in this Current Report set forth under this Item 2.02, including exhibit 99.1 hereto, is furnished hereunder and shall not be treated as “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (“Exchange Act”), nor shall it be deemed incorporated by reference into any registration statement or other filing pursuant to the Securities Act of 1933, as amended (the “Securities Act”), or the Exchange Act, except as expressly stated by specific reference in such filing.

Item 7.01    Regulation FD

On January 22, 2026, the registrant disclosed a presentation containing certain summary financial information that may be used in discussions with investors and analysts. That presentation is furnished herewith as Exhibit 99.3. The presentation shall not be treated as “filed” for purposes of Section 18 of the Exchange Act, nor shall it be deemed incorporated by reference into any registration statement or other filing pursuant to the Exchange Act or the Securities Act, except as expressly set forth in any such filing.

Item 8.01.    Other Events On January 22, 2026, the Company announced that its Board of Directors declared a quarterly cash dividend of $0.12 per share on its common stock, payable on February 19, 2026, to shareholders of record as of February 5, 2026. The Company issued a press release describing the dividend on January 22, 2026, which is attached hereto as Exhibit 99.2 and incorporated herein by reference.

The information set forth in this Item 8.01, including the information in the accompanying press release, is furnished hereunder and shall not be treated as “filed” for purposes of Section 18 of the Exchange Act, nor shall it be deemed incorporated by reference into any registration statement or other filing pursuant to the Exchange Act or the Securities Act, except as expressly set forth in any such filing.

Item 9.01    Financial Statements and Exhibits (d)    Exhibits.

Exhibit NumberExhibit Description 99.1Press Release, dated January 22, 2026 - Fourth Quarter 2025 Results

99.2Press Release, dated January 22, 2026 - Dividend Declaration

99.3Earnings Presentation - Fourth Quarter 2025 Results

104Cover Page Interactive Data File (embedded within the Inline XBRL document)

2

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registr

2025
Q3

Q3 2025 Earnings

8-K

Oct 23, 2025

0001722010-25-000011

opbk-202510230001722010False00017220102025-10-232025-10-2300017220102025-04-242025-04-24

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549


FORM 8-K


CURRENT REPORT

Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 23, 2025


OP BANCORP

(Exact name of registrant as specified in its charter)


California001-3843781-3114676 (State or other jurisdiction of incorporation) (Commission File Number)(IRS Employer Identification No.)

1000 Wilshire Blvd, Suite 500, Los Angeles, CA 90017 (Address of principal executive offices)(Zip Code)

Registrant’s telephone number, including area code: (213) 892-9999

Not Applicable (Former name or former address, if changed since last report.)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (See General Instruction A.2 below):

☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each classTrading Symbol(s)Name of each exchange on which registered Common Stock, No Par ValueOPBKNASDAQ Global Market

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter). Emerging growth company ☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act ☐

Item 2.02    Results of Operations and Financial Condition On October 23, 2025, OP Bancorp, (the “Company”), the holding company of Open Bank, issued its press release announcing preliminary unaudited financial results for the third quarter ended September 30, 2025. A copy of the press release is attached as Exhibit 99.1 to this Current Report on Form 8-K and is incorporated herein by reference in this Item 2.02.

The information in this Current Report set forth under this Item 2.02, including exhibit 99.1 hereto, shall not be treated as “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (“Exchange Act”), nor shall it be deemed incorporated by reference into any registration statement or other filing pursuant to the Securities Act of 1933, as amended (the “Securities Act”), or the Exchange Act, except as expressly stated by specific reference in such filing.

Item 7.01    Regulation FD

On October 23, 2025, the registrant disclosed a presentation containing certain summary financial information that may be used in discussions with investors and analysts. That presentation is furnished herewith as Exhibit 99.3. The presentation shall not be treated as “filed” for purposes of Section 18 of the Exchange Act, nor shall it be deemed incorporated by reference into any registration statement or other filing pursuant to the Exchange Act or the Securities Act, except as expressly set forth in any such filing.

Item 8.01.    Other Events On October 23, 2025, the Company announced that its Board of Directors declared a quarterly cash dividend of $0.12 per share on its common stock, payable on November 20, 2025, to shareholders of record as of November 6, 2025. The Company issued a press release describing the dividend on October 23, 2025, which is attached hereto as Exhibit 99.2 and incorporated herein by reference.

The information set forth in this Item 8.01, including the information in the accompanying press release, shall not be treated as “filed” for purposes of Section 18 of the Exchange Act, nor shall it be deemed incorporated by reference into any registration statement or other filing pursuant to the Exchange Act or the Securities Act, except as expressly set forth in any such filing.

Item 9.01    Financial Statements and Exhibits (d)    Exhibits.

Exhibit NumberExhibit Description 99.1Press Release, dated October 23, 2025 - Third Quarter 2025 Results

99.2Press Release, dated October 23, 2025 - Dividend Declaration

99.3Earnings Presentation - Third Quarter 2025 Results

104Cover Page Interactive Data File (embedded within the Inline XBRL document)

2

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signe

2025
Q2

Q2 2025 Earnings

8-K

Jul 24, 2025

0001628280-25-035940

opbk-202507240001722010False00017220102025-07-242025-07-2400017220102025-04-242025-04-24

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549


FORM 8-K


CURRENT REPORT

Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 24, 2025


OP BANCORP

(Exact name of registrant as specified in its charter)


California001-3843781-3114676 (State or other jurisdiction of incorporation) (Commission File Number)(IRS Employer Identification No.)

1000 Wilshire Blvd, Suite 500, Los Angeles, CA 90017 (Address of principal executive offices)(Zip Code)

Registrant’s telephone number, including area code: (213) 892-9999

Not Applicable (Former name or former address, if changed since last report.)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (See General Instruction A.2 below):

☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each classTrading Symbol(s)Name of each exchange on which registered Common Stock, No Par ValueOPBKNASDAQ Global Market

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter). Emerging growth company ☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act ☐

Item 2.02    Results of Operations and Financial Condition On July 24, 2025, OP Bancorp, (the “Company”), the holding company of Open Bank, issued its press release announcing preliminary unaudited financial results for the second quarter ended June 30, 2025. A copy of the press release is attached as Exhibit 99.1 to this Current Report on Form 8-K and is incorporated herein by reference in this Item 2.02.

The information in this Current Report set forth under this Item 2.02, including exhibit 99.1 hereto, shall not be treated as “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (“Exchange Act”), nor shall it be deemed incorporated by reference into any registration statement or other filing pursuant to the Securities Act of 1933, as amended (the “Securities Act”), or the Exchange Act, except as expressly stated by specific reference in such filing.

Item 7.01    Regulation FD

On July 24, 2025, the registrant disclosed a presentation containing certain summary financial information that may be used in discussions with investors and analysts. That presentation is furnished herewith as Exhibit 99.3. The presentation shall not be treated as “filed” for purposes of Section 18 of the Exchange Act, nor shall it be deemed incorporated by reference into any registration statement or other filing pursuant to the Exchange Act or the Securities Act, except as expressly set forth in any such filing.

Item 8.01.    Other Events On July 24, 2025, the Company announced that its Board of Directors declared a quarterly cash dividend of $0.12 per share on its common stock, payable on August 21, 2025, to shareholders of record as of August 7, 2025. The Company issued a press release describing the dividend on July 24, 2025, which is attached hereto as Exhibit 99.2 and incorporated herein by reference.

The information set forth in this Item 8.01, including the information in the accompanying press release, shall not be treated as “filed” for purposes of Section 18 of the Exchange Act, nor shall it be deemed incorporated by reference into any registration statement or other filing pursuant to the Exchange Act or the Securities Act, except as expressly set forth in any such filing.

Item 9.01    Financial Statements and Exhibits (d)    Exhibits.

Exhibit NumberExhibit Description 99.1Press Release, dated July 24, 2025 - Second Quarter 2025 Results

99.2Press Release, dated July 24, 2025 - Dividend Declaration

99.3Earnings Presentation - Second Quarter 2025 Results

104Cover Page Interactive Data File (embedded within the Inline XBRL document)

2

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the unde

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