OP Bancorp Q4 net income $7.1M ($0.47 EPS); declares $0.12 dividend

OP Bancorp

2025-FY EPS reported $1.72 revenue$3,204,000

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.

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