{"filings":[{"id":722837,"accession_number":"0001722010-26-000016","cik":1722010,"company_name":"OP Bancorp","ticker":"OPBK","form_type":"8-K","filed_at":"2026-05-28T20:31:40+00:00","items":["5.07"],"status":"ready","headline":"OP Bancorp shareholders approve all proposals at 2026 annual meeting","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["All 7 director nominees elected; Hyung J. Kim received 9.30M votes for, 681.6K withheld.","Advisory vote to approve executive compensation passed with 9.62M for, 286.1K against.","Ratification of Crowe LLP as auditor approved with 11.41M for, 43.6K against.","77.33% of outstanding shares represented (11.52M shares) at May 28, 2026 meeting."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":208221465.49716714,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":94987,"accession_number":"0001722010-26-000009","cik":1722010,"company_name":"OP Bancorp","ticker":"OPBK","form_type":"8-K","filed_at":"2026-04-23T23:59:59+00:00","items":["2.02","7.01","8.01","9.01"],"status":"ready","headline":"OP Bancorp posts Q1 net income $7.2M, EPS $0.48; dividend raised 17%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $7.2M, diluted EPS $0.48, vs $7.0M/$0.47 in Q4 2025 and $5.6M/$0.37 in Q1 2025.","Revenue $24.6M, up 1% from Q4; net interest margin 3.19% vs 3.25% in Q4.","Quarterly dividend increased 17% to $0.14/share (prev. $0.12), payable May 21 to holders of record May 7.","Nonperforming loans rose to $18.3M (0.82% of gross loans), driven by one CRE relationship expected to resolve in Q2.","Allowance for credit losses on loans stable at 1.27%; net charge-offs negligible at (0.01)% annualized."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":208221465.49716714,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":107754,"accession_number":"0001628280-26-003119","cik":1722010,"company_name":"OP Bancorp","ticker":"OPBK","form_type":"8-K","filed_at":"2026-01-22T23:59:59+00:00","items":["2.02","7.01","8.01","9.01"],"status":"ready","headline":"OP Bancorp Q4 net income $7.1M ($0.47 EPS); declares $0.12 dividend","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $7.1M, diluted EPS $0.47 (vs $6.7M/$0.45 in Q3 2025 and $5.0M/$0.33 in Q4 2024).","Revenue $24.3M; net interest margin 3.25%, up 29 bps YoY from 2.96%.","Provision for credit losses $463k, down 61% QoQ; net loan recoveries 0.03% annualized.","Average loans grew 3% QoQ to $2.20B; average deposits up 2% to $2.26B.","Declared quarterly cash dividend $0.12/share, payable Feb 19 to holders of record Feb 5."],"consensus_eps_estimate":null,"consensus_eps_actual":1.72,"consensus_revenue_estimate":null,"consensus_revenue_actual":3204000.0,"consensus_period":"2025-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":208221465.49716714,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":124130,"accession_number":"0001722010-25-000016","cik":1722010,"company_name":"OP Bancorp","ticker":"OPBK","form_type":"8-K","filed_at":"2025-11-10T23:59:59+00:00","items":["1.01","2.03","7.01","9.01"],"status":"ready","headline":"OP Bancorp closes $25M 7.50% fixed-to-floating subordinated note due 2035","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["$25M principal, maturity Nov 15, 2035; fixed 7.50% for 5 years then SOFR+411bps.","Proceeds to strengthen Open Bank's regulatory capital and support growth.","Note qualifies as Tier 2 capital; redeemable after Nov 15, 2030 subject to regulatory approval.","Raymond James & Associates acted as sole placement agent."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":208221465.49716714,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":124129,"accession_number":"0001722010-25-000011","cik":1722010,"company_name":"OP Bancorp","ticker":"OPBK","form_type":"8-K","filed_at":"2025-10-23T23:59:59+00:00","items":["2.02","7.01","8.01","9.01"],"status":"ready","headline":"OP Bancorp reports Q3 net income $6.7M ($0.45 EPS), NIM expands to 3.26%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $6.7M, diluted EPS $0.45, up 6% from Q2 2025 net income $6.3M ($0.42 EPS).","Revenue $24.5M (+3% QoQ), net interest margin 3.26% (+3 bps), efficiency ratio 55.68%.","Nonperforming loans $12.3M (0.57% of gross loans), up from $8.9M in Q2; criticized loans $28.1M.","Board declared $0.12/share quarterly dividend, payable Nov 20 to holders of record Nov 6.","Total loans $2.15B (+4% QoQ), total deposits $2.27B (+1% QoQ)."],"consensus_eps_estimate":null,"consensus_eps_actual":1.25,"consensus_revenue_estimate":null,"consensus_revenue_actual":2742000.0,"consensus_period":"2025-Q3","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":208221465.49716714,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":140801,"accession_number":"0001722010-25-000007","cik":1722010,"company_name":"OP Bancorp","ticker":"OPBK","form_type":"8-K","filed_at":"2025-08-29T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"OP Bancorp authorizes repurchase of up to 700,000 shares of common stock","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board approved repurchase program for up to 700,000 shares of OPBK common stock.","Purchases may be made in open market, privately negotiated, or other compliant transactions.","Company has no obligation to repurchase; program may be suspended or terminated at any time.","Program intended to comply with Rule 10b-18 under the Securities Exchange Act."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":208221465.49716714,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":140800,"accession_number":"0001628280-25-035940","cik":1722010,"company_name":"OP Bancorp","ticker":"OPBK","form_type":"8-K","filed_at":"2025-07-24T23:59:59+00:00","items":["2.02","7.01","8.01","9.01"],"status":"ready","headline":"OP Bancorp reports Q2 2025 net income of $6.3M, EPS $0.42; NIM expands to 3.23%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $6.3M ($0.42 diluted EPS) vs $5.6M ($0.37) in Q1 2025 and $5.4M ($0.36) in Q2 2024.","Net interest margin improved to 3.23% from 3.01% QoQ and 2.96% YoY, driven by loan growth and lower deposit costs.","Gross loans grew to $2.07B (+1% QoQ, +11% YoY); total deposits up 3% QoQ to $2.25B.","Board declared $0.12 per share quarterly dividend, payable Aug 21, 2025 to holders of record Aug 7.","Credit quality stable with nonperforming loans at 0.43% of gross loans; allowance 1.27%."],"consensus_eps_estimate":null,"consensus_eps_actual":0.79,"consensus_revenue_estimate":null,"consensus_revenue_actual":2017000.0,"consensus_period":"2025-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":208221465.49716714,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":158537,"accession_number":"0001628280-25-033342","cik":1722010,"company_name":"OP Bancorp","ticker":"OPBK","form_type":"8-K","filed_at":"2025-06-27T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"OP Bancorp annual meeting elects all seven director nominees; say-on-pay approved","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["All seven director nominees elected with over 8.6M votes for each; no director received less than 96.6% support.","Advisory vote on executive compensation approved with 8.575M for, 0.296M against; broker non-votes 2.133M.","Shareholders selected one-year frequency for future say-on-pay votes (8.536M for one year vs. 0.378M for three years).","Ratification of Crowe LLP as auditor for 2025 passed with 10.958M for, 0.102M against.","Quorum of 74.5% achieved (11.063M shares represented out of ~14.85M outstanding)."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.15,"market_cap_usd":208221465.49716714,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":158536,"accession_number":"0001628280-25-028342","cik":1722010,"company_name":"OP Bancorp","ticker":"OPBK","form_type":"8-K","filed_at":"2025-05-29T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"OP Bancorp appoints Sang K. Oh as President and CEO effective July 1, 2025","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Mr. Oh succeeds as CEO of OP Bancorp and Open Bank, having served as EVP and Chief Credit Officer since October 2020.","Base salary set at $400,000 per year; eligible for discretionary incentive bonus and equity awards.","Five weeks paid time off, $200 monthly electronics allowance, and standard employee benefits provided.","Employment agreement runs through June 30, 2030, with automatic one-year renewals unless 45-day notice given.","Severance benefits available for termination without cause or for good reason within Change in Control period."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":208221465.49716714,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":158535,"accession_number":"0001628280-25-019719","cik":1722010,"company_name":"OP Bancorp","ticker":"OPBK","form_type":"8-K","filed_at":"2025-04-24T23:59:59+00:00","items":["2.02","8.01","9.01"],"status":"ready","headline":"OP Bancorp Q1 net income $5.6M, EPS $0.37; loans up 4.4%, deposits up 8.0%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income of $5.6M, diluted EPS $0.37 vs. $0.33 in Q4 2024 and $0.34 in Q1 2024; net interest margin rose 5 bps to 3.01%.","Gross loans grew 4.4% to $2.04B, total deposits up 8.0% to $2.19B; criticized loans increased to 1.13% of gross loans.","Nonperforming loans rose to $10.4M (0.51% of loans) from $7.8M, driven by two home mortgage loans with sufficient collateral; net charge-offs remained low at 0.02%.","Board declared quarterly cash dividend of $0.12 per share, payable May 22, 2025, to holders of record May 8, 2025.","Efficiency ratio 62.13%; CET1 ratio 11.08%; book value per share $14.09, up 1.9% from prior quarter."],"consensus_eps_estimate":null,"consensus_eps_actual":0.37,"consensus_revenue_estimate":null,"consensus_revenue_actual":1000000.0,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":208221465.49716714,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":176928,"accession_number":"0001628280-25-009547","cik":1722010,"company_name":"OP Bancorp","ticker":"OPBK","form_type":"8-K","filed_at":"2025-03-04T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"OP Bancorp promotes Christine Oh to COO, Jaehyun Park to CFO effective March 3, 2025","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Christine Oh, former CFO since 2010, appointed EVP/COO of OP Bancorp and Open Bank.","Jaehyun Park, SVP/Controller since 2014, succeeds Oh as EVP/CFO of both entities.","Park receives $250k base salary, incentive plan eligibility, and RSUs worth 40% of salary, vesting over 5 years.","CEO Min Kim states appointments are part of the Company's 2025 succession plan."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":208221465.49716714,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":176927,"accession_number":"0001628280-25-002390","cik":1722010,"company_name":"OP Bancorp","ticker":"OPBK","form_type":"8-K","filed_at":"2025-01-23T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"OP Bancorp Q4 net income $5.0M ($0.33 EPS), down 8.6% QoQ; NPL ratio rises to 0.40%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $5.0M, diluted EPS $0.33 vs $0.36 Q3 2024 and $0.34 a year ago; net interest margin 2.96%.","Provision for credit losses surged to $1.5M from $448K Q3, driven by higher qualitative and specific reserves.","Nonperforming loans doubled to $7.8M (0.40% of loans) from $3.6M (0.19%) Q3; criticized loans at 1.00%.","Total deposits $2.03B, down 1.8% QoQ; noninterest-bearing deposits fell 10.1% to $505M.","Quarterly dividend maintained at $0.12/share; book value per share $13.83."],"consensus_eps_estimate":null,"consensus_eps_actual":1.39,"consensus_revenue_estimate":null,"consensus_revenue_actual":3261000.0,"consensus_period":"2024-FY","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":208221465.49716714,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":193728,"accession_number":"0001628280-24-051211","cik":1722010,"company_name":"OP Bancorp","ticker":"OPBK","form_type":"8-K","filed_at":"2024-12-13T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"OP Bancorp appoints Yeong Gwon Pak as CCO effective Dec 30, 2024 as part of CEO succession plan","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Yeong Gwon Pak appointed EVP and CCO of OP Bancorp and Open Bank, effective December 30, 2024.","Pak succeeds Sang Oh, who will become CEO in 2025 per previously announced succession plan.","Annual salary of $250,000; eligible for RSUs with cash value equal to 40% of salary, vesting over 5 years.","Pak has over 20 years of community banking experience; previously SVP and District Manager at Bank of Hope.","Pak also served as EVP and Chief Lending Officer at Commonwealth Business Bank (June 2020-June 2022)."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":208221465.49716714,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":193727,"accession_number":"0001628280-24-043634","cik":1722010,"company_name":"OP Bancorp","ticker":"OPBK","form_type":"8-K","filed_at":"2024-10-24T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"OP Bancorp Q3 net income $5.4M flat QoQ; loans and deposits grow","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $5.4M, diluted EPS $0.36, unchanged from Q2 2024; net interest margin 2.95%.","Gross loans grew 3.3% QoQ to $1.93B; total deposits up 6.4% to $2.06B.","Nonperforming loans fell to 0.19% of gross loans (Q2: 0.23%); ACL 1.19%.","Board declares $0.12 per share cash dividend, payable Nov 21, 2024.","Repurchased 4,610 shares at avg $10.09 during Q3; book value per share $13.75."],"consensus_eps_estimate":null,"consensus_eps_actual":1.06,"consensus_revenue_estimate":null,"consensus_revenue_actual":2294000.0,"consensus_period":"2024-Q3","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":208221465.49716714,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":210041,"accession_number":"0001193125-24-206276","cik":1722010,"company_name":"OP Bancorp","ticker":"OPBK","form_type":"8-K","filed_at":"2024-08-23T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"OP Bancorp CEO Min Kim to retire by June 2025; Chief Credit Officer Sang Oh named successor","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["CEO Min Kim to retire effective June 30, 2025; she will then become Chair of the Board.","Chairman Brian Choi will not stand for reelection and will become Chairman Emeritus.","Sang Oh, current Chief Credit Officer, will succeed Kim as President and CEO.","Transitions begin immediately and are expected to be completed by June 30, 2025."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":208221465.49716714,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":210040,"accession_number":"0001628280-24-033006","cik":1722010,"company_name":"OP Bancorp","ticker":"OPBK","form_type":"8-K","filed_at":"2024-07-25T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"OP Bancorp Q2 net income $5.4M, EPS $0.36; NIM down to 2.96%; loan growth 3.6%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $5.4M, diluted EPS $0.36, up 4% and 5.9% QoQ but down 10.8% and 7.7% YoY.","Net interest margin 2.96% vs 3.06% prior quarter, down 10 bps QoQ and 44 bps YoY.","Gross loans $1.87B (+3.6% QoQ); total deposits $1.94B (+2.4% QoQ).","Criticized loans 0.88% of gross loans vs 0.64% prior quarter; NPLs remain low at 0.23%.","Quarterly dividend of $0.12 per share declared, payable Aug 22, record Aug 8, 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":0.7,"consensus_revenue_estimate":null,"consensus_revenue_actual":1405000.0,"consensus_period":"2024-Q2","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":208221465.49716714,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":210039,"accession_number":"0001628280-24-031117","cik":1722010,"company_name":"OP Bancorp","ticker":"OPBK","form_type":"8-K","filed_at":"2024-07-03T23:59:59+00:00","items":["5.02","5.07"],"status":"ready","headline":"Director Ernest E. Dow retires from OP Bancorp board; all director nominees elected at annual meeting","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Director Ernest E. Dow retired effective June 27, 2024, and did not stand for reelection.","Shareholders elected all seven director nominees (Brian Choi, Soo Hun Jung, Hyung J. Kim, Min J. Kim, Sunny Kwon, Yong Sin Shin, Myung Shin Sohn) for one-year terms.","Ratification of Crowe LLP as independent auditor for 2024 approved with 11,946,511 votes for.","80.55% of shares represented at the meeting (12,018,845 shares)."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":208221465.49716714,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":228255,"accession_number":"0001628280-24-018225","cik":1722010,"company_name":"OP Bancorp","ticker":"OPBK","form_type":"8-K","filed_at":"2024-04-25T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"OP Bancorp Q1 net income $5.2M flat QoQ, down 30.6% YoY; NIM falls to 3.06%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $5.23M ($0.34 EPS) vs $5.17M ($0.34) Q4 2023 and $7.5M ($0.48) Q1 2023.","Net interest margin 3.06%, down 6bp QoQ and 51bp YoY; net interest income $15.98M, -10.7% YoY.","Gross loans $1.80B (+2.2% QoQ), deposits $1.90B (+4.9% QoQ) with mix shift to higher-cost time deposits.","Credit quality improved: NPLs ratio 0.24% (from 0.34%), criticized loans 0.64% (from 0.76%).","Declared $0.12/share dividend payable May 23; repurchased 49,697 shares at avg $10.02."],"consensus_eps_estimate":null,"consensus_eps_actual":0.34,"consensus_revenue_estimate":null,"consensus_revenue_actual":612000.0,"consensus_period":"2024-Q1","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":208221465.49716714,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":246996,"accession_number":"0001628280-24-002244","cik":1722010,"company_name":"OP Bancorp","ticker":"OPBK","form_type":"8-K","filed_at":"2024-01-25T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"OP Bancorp Q4 net income $5.2M, EPS $0.34; 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NIM narrows to 3.38%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $5.1M, diluted EPS $0.33 vs $6.1M ($0.39) in Q2'23 and $8.7M ($0.55) in Q3'22.","Net interest margin 3.38% vs 3.40% QoQ and 4.31% YoY; provision for credit losses $1.4M vs $0 in Q2.","Nonperforming loans to gross loans 0.24% (up from 0.20% QoQ); criticized loans to gross loans 0.78% (up from 0.44% QoQ).","Book value per share $12.17; CET1 ratio 12.09%; announced share repurchase of up to 750,000 shares.","Quarterly dividend maintained at $0.12 per share, payable Nov 23 to record Nov 9."],"consensus_eps_estimate":null,"consensus_eps_actual":1.21,"consensus_revenue_estimate":null,"consensus_revenue_actual":1566000.0,"consensus_period":"2023-Q3","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":208221465.49716714,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":281666,"accession_number":"0001628280-23-030786","cik":1722010,"company_name":"OP Bancorp","ticker":"OPBK","form_type":"8-K","filed_at":"2023-08-28T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"OP Bancorp board authorizes repurchase of up to 750,000 shares (~5% of outstanding)","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board approved stock repurchase program on August 24, 2023; up to 750,000 shares or ~5% of shares outstanding.","Program runs until December 31, 2024 unless terminated earlier or maximum shares repurchased.","Shares may be bought via open market, block trades, privately negotiated transactions, or Rule 10b5-1 plans.","Repurchase timing and amount depend on market conditions, price, trading volume, and regulatory requirements."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":208221465.49716714,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":281665,"accession_number":"0001628280-23-025957","cik":1722010,"company_name":"OP Bancorp","ticker":"OPBK","form_type":"8-K","filed_at":"2023-07-27T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"OP Bancorp Q2 2023 net income $6.1M ($0.39 EPS), down 28% YoY; NIM 3.40% vs 4.21%; $0.12 dividend","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $6.1M ($0.39 diluted EPS) vs $8.5M ($0.54) in Q2 2022; net interest income $17.3M vs $19.1M.","Net interest margin 3.40% vs 4.21% a year ago; no provision for credit losses vs $996K provision in Q2 2022.","Gross loans $1.7B (+16% YoY), total deposits $1.9B (+7% YoY); book value per share $12.16 vs $11.16.","Nonperforming loans 0.20% of gross loans vs 0.12% a year ago; criticized loans 0.44% vs 0.18%.","Declared quarterly cash dividend of $0.12 per share, payable Aug 24, 2023 to holders of record Aug 10."],"consensus_eps_estimate":null,"consensus_eps_actual":0.88,"consensus_revenue_estimate":null,"consensus_revenue_actual":991000.0,"consensus_period":"2023-Q2","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":208221465.49716714,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":300577,"accession_number":"0001628280-23-023283","cik":1722010,"company_name":"OP Bancorp","ticker":"OPBK","form_type":"8-K","filed_at":"2023-06-23T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"OP Bancorp shareholders elect all seven director nominees, ratify Crowe LLP as auditor","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Annual meeting held June 22, 2023; 12,747,915 shares (83.72% of outstanding) represented.","Director nominees elected: Brian Choi, Ernest Dow, Soo Hun Jung, Hyung J. Kim, Min J. Kim, Sunny Kwon, Yong Sin Shin.","Ratification of Crowe LLP as independent auditor passed with 12,733,572 for, 11,627 against, 2,716 abstain.","Broker non-votes totaled 1,201,923 on director election proposals."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":208221465.49716714,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":300576,"accession_number":"0001628280-23-013650","cik":1722010,"company_name":"OP Bancorp","ticker":"OPBK","form_type":"8-K","filed_at":"2023-04-27T23:59:59+00:00","items":["2.02","8.01","9.01"],"status":"ready","headline":"OP Bancorp Q1 net income $7.5M ($0.48 EPS); dividend raised 20% to $0.12","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $7.5M ($0.48 diluted EPS) vs $8.2M ($0.53) in Q1 2022, down 7.6%.","Net interest margin narrowed to 3.56% from 4.12%; net interest income $17.9M vs $17.3M.","Board declared $0.12 quarterly dividend (20% increase from $0.10), payable May 25 to holders of record May 11.","Nonperforming loans rose to $4.36M (0.26% of loans) from $2.81M (0.20%) a year ago.","Adopted CECL on Jan 1, adding $2.1M to allowance; reversed $338K credit losses vs $341K provision in Q1 2022."],"consensus_eps_estimate":null,"consensus_eps_actual":0.48,"consensus_revenue_estimate":null,"consensus_revenue_actual":418000.0,"consensus_period":"2023-Q1","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":208221465.49716714,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":320563,"accession_number":"0001628280-23-009862","cik":1722010,"company_name":"OP Bancorp","ticker":"OPBK","form_type":"8-K","filed_at":"2023-03-30T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Two directors to retire from OP Bancorp board at June 2023 annual meeting","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Directors Ock Hee Kim and Myung Ja (Susan) Park will retire effective June 22, 2023.","Both declined to stand for reelection at the annual meeting.","Board accepted resignations based on Nomination & Governance Committee recommendation.","No replacements have been announced for the departing directors."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":208221465.49716714,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":320562,"accession_number":"0001628280-23-001615","cik":1722010,"company_name":"OP Bancorp","ticker":"OPBK","form_type":"8-K","filed_at":"2023-01-26T23:59:59+00:00","items":["2.02","8.01","9.01"],"status":"ready","headline":"OP Bancorp Q4 2022 net income $8.0M ($0.51 EPS); dividend raised 20% to $0.12/share","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $8.0M, diluted EPS $0.51, vs $9.1M, $0.59 in Q4 2021; net interest income up 18% to $20.2M.","Total loans $1.7B (+23% YoY); total deposits $1.9B (+23% YoY); noninterest-bearing deposits 37.2% of total.","Credit quality: nonperforming loans 0.18% of gross loans; allowance/loans 1.13%; net charge-offs 0.03% annualized.","CET1 ratio 11.70%; book value $11.59 per share, up 6% YoY.","Quarterly cash dividend declared $0.12 per share, a 20% increase from prior $0.10, payable Feb 23."],"consensus_eps_estimate":null,"consensus_eps_actual":2.14,"consensus_revenue_estimate":null,"consensus_revenue_actual":1675000.0,"consensus_period":"2022-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":208221465.49716714,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":338705,"accession_number":"0001628280-22-027286","cik":1722010,"company_name":"OP Bancorp","ticker":"OPBK","form_type":"8-K","filed_at":"2022-10-28T23:59:59+00:00","items":["2.02","8.01","9.01"],"status":"ready","headline":"OP Bancorp Q3 net income $8.7M, EPS $0.55; dividend raised 20% to $0.12/share","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income of $8.7M, up 5% YoY; diluted EPS $0.55 vs $0.54.","Net interest income $20.3M (+23%); net interest margin 4.31% (up from 4.21%).","Total loans $1.65B (+25%); total deposits $1.82B (+21%).","Quarterly dividend increased 20% to $0.12/share, payable Nov 24 to holders of record Nov 10.","CET1 ratio 11.92%; nonperforming loans only 0.14% of gross loans."],"consensus_eps_estimate":null,"consensus_eps_actual":1.62,"consensus_revenue_estimate":null,"consensus_revenue_actual":1269000.0,"consensus_period":"2022-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":208221465.49716714,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":356056,"accession_number":"0001628280-22-019915","cik":1722010,"company_name":"OP Bancorp","ticker":"OPBK","form_type":"8-K","filed_at":"2022-08-01T23:59:59+00:00","items":["2.02","8.01","9.01"],"status":"ready","headline":"OP Bancorp Q2 net income $8.5M ($0.54 EPS), up 33% YoY; 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no new appointments or resignations disclosed.","Change aligns board with statutory minimum; no financial impact reported."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":208221465.49716714,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":374388,"accession_number":"0001628280-22-011562","cik":1722010,"company_name":"OP Bancorp","ticker":"OPBK","form_type":"8-K","filed_at":"2022-04-29T23:59:59+00:00","items":["2.02","5.02","8.01","9.01"],"status":"ready","headline":"OP Bancorp Q1 net income $8.2M ($0.53 EPS), up 61% YoY; dividend raised 43% to $0.10","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $8.2M ($0.53 diluted EPS), up 61% YoY; net interest income $17.3M (+36%).","Net interest margin 4.12%, up from 3.80% YoY; ROAE 19.54% vs 14.02%.","Total deposits $1.67B (+30% YoY); noninterest-bearing deposits 51% of total.","Dividend declared $0.10/share (43% increase from $0.07), payable May 26 to holders of record May 12.","Director Jason Hwang passed away April 25; seat to remain vacant pending decision."],"consensus_eps_estimate":null,"consensus_eps_actual":0.53,"consensus_revenue_estimate":null,"consensus_revenue_actual":388000.0,"consensus_period":"2022-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":208221465.49716714,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":392932,"accession_number":"0001628280-22-001445","cik":1722010,"company_name":"OP Bancorp","ticker":"OPBK","form_type":"8-K","filed_at":"2022-01-28T23:59:59+00:00","items":["2.02","8.01","9.01"],"status":"ready","headline":"OP Bancorp Q4 2021 net income $9.1M record, EPS $0.59; dividend raised 43% to $0.10","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income of $9.1M up 140% YoY; diluted EPS $0.59 up 136%; record quarterly results.","Net interest income $17.1M (+40% YoY); NIM expanded to 4.07% from 3.73%.","Total deposits $1.53B (+28% YoY); noninterest-bearing deposits 51% of total (up from 44%).","Return on average assets 2.11% (up from 1.13%); efficiency ratio improved to 39.34%.","Quarterly cash dividend increased 43% to $0.10 per share; payable Feb 24, 2022."],"consensus_eps_estimate":null,"consensus_eps_actual":1.88,"consensus_revenue_estimate":null,"consensus_revenue_actual":1562000.0,"consensus_period":"2021-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":208221465.49716714,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":411360,"accession_number":"0001628280-21-020862","cik":1722010,"company_name":"OP Bancorp","ticker":"OPBK","form_type":"8-K","filed_at":"2021-10-29T23:59:59+00:00","items":["2.02","8.01","9.01"],"status":"ready","headline":"OP Bancorp Q3 net income $8.3M, EPS $0.54, up 129% YoY; 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