OP Bancorp Posts Strong Q4 2025 Earnings, Raises Dividend

OP Bancorp ( (OPBK) ) has issued an announcement.

On January 22, 2026, OP Bancorp reported fourth-quarter 2025 net income of $7.1 million, or diluted earnings per share of $0.47, up from $6.7 million, or $0.45, in the third quarter of 2025 and $5.0 million, or $0.33, in the year-earlier quarter, driven by a 3% increase in net interest income and a 61% reduction in provision for credit losses. The company also 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, while highlighting modest growth in average loans and deposits, stable asset quality, and robust capital ratios, underscoring strengthened profitability and balance sheet resilience as it closed out 2025.

The most recent analyst rating on (OPBK) stock is a Buy with a $16.00 price target. To see the full list of analyst forecasts on OP Bancorp stock, see the OPBK Stock Forecast page.

Spark’s Take on OPBK Stock

According to Spark, TipRanks’ AI Analyst, OPBK is a Outperform.

OP Bancorp’s overall stock score is driven by its solid financial performance, attractive valuation, and positive corporate events. The technical analysis supports a bullish outlook, although caution is advised due to potential overbought conditions. The company’s stable financial position is slightly offset by cash flow challenges, which should be monitored for long-term sustainability.

To see Spark’s full report on OPBK stock, click here.

More about OP Bancorp

OP Bancorp, the Los Angeles-based parent of Open Bank, operates as a community-focused commercial bank serving small and mid-sized businesses and retail customers, with a balance of lending and deposit services that drive its net interest income and overall profitability.

Average Trading Volume: 40,398

Technical Sentiment Signal: Buy

Current Market Cap: $213.2M

Learn more about OPBK stock on TipRanks’ Stock Analysis page.