Revenue: As of FY2025 Q3, the actual value is USD 42.65 M.EPS: As of FY2025 Q3, the actual value is USD 0.45, beating the estimate of USD 0.44.EBIT: As of FY2025 Q3, the actual value is USD -10.67 M.<h3>Segment Revenue</h3><ul><li>Interest Income: $38,522 thousand for the three months ended September 30, 2025, compared to $35,299 thousand for the same period in 2024. For the nine months ended September 30, 2025, interest income was $111,046 thousand, compared to $102,569 thousand in 2024.</li></ul><h3>Operational Metrics</h3><ul><li>Net Interest Income: $20,346 thousand for the three months ended September 30, 2025, compared to $16,506 thousand for the same period in 2024. For the nine months ended September 30, 2025, net interest income was $57,485 thousand, compared to $48,679 thousand in 2024.</li><li>Provision for Credit Losses: $1,175 thousand for the three months ended September 30, 2025, compared to $448 thousand for the same period in 2024. For the nine months ended September 30, 2025, provision for credit losses was $3,117 thousand, compared to $1,210 thousand in 2024.</li><li>Noninterest Income: $4,130 thousand for the three months ended September 30, 2025, compared to $4,240 thousand for the same period in 2024. For the nine months ended September 30, 2025, noninterest income was $12,914 thousand, compared to $12,010 thousand in 2024.</li><li>Noninterest Expense: $13,629 thousand for the three months ended September 30, 2025, compared to $12,720 thousand for the same period in 2024. For the nine months ended September 30, 2025, noninterest expense was $41,480 thousand, compared to $37,066 thousand in 2024.</li><li>Net Income: $6,703 thousand for the three months ended September 30, 2025, compared to $5,436 thousand for the same period in 2024. For the nine months ended September 30, 2025, net income was $18,596 thousand, compared to $16,098 thousand in 2024.</li></ul><h3>Cash Flow</h3><ul><li>Net Cash Provided by Operating Activities: $22,606 thousand for the nine months ended September 30, 2025, compared to $25,945 thousand for the same period in 2024.</li><li>Net Cash Used in Investing Activities: -$210,117 thousand for the nine months ended September 30, 2025, compared to -$169,365 thousand for the same period in 2024.</li><li>Net Cash Provided by Financing Activities: $219,316 thousand for the nine months ended September 30, 2025, compared to $218,960 thousand for the same period in 2024.</li></ul><h3>Unique Metrics</h3><ul><li>Allowance for Credit Losses on Loans: $27,299 thousand as of September 30, 2025, compared to $24,796 thousand as of December 31, 2024.</li></ul><h3>Future Outlook and Strategy</h3><ul><li>Core Business Focus: The company plans to continue leveraging its strong customer loyalty and management expertise to navigate the evolving banking environment, particularly in response to changes in interest rates and economic conditions.</li><li>Non-Core Business: The company maintains a focus on expanding its loan production offices and enhancing its service offerings to meet the needs of its diverse customer base.</li></ul>

OP Bancorp | 10-Q: FY2025 Q3 Revenue: USD 42.65 M