OptimumBank Holdings Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Interest Income	46.35	42.59	34.69	23.71	15.84	9.4
Net Interest Income Growth	27.45%	22.76%	46.29%	49.74%	68.40%	88.46%
Non-Interest Income	7.33	6.77	4.62	3.45	2.96	1.77
Non-Interest Income Growth	58.77%	46.53%	33.92%	16.62%	66.86%	503.40%
Revenues Before Loan Losses	53.68	49.36	39.31	27.17	18.8	11.18
Provision for Credit Losses	2.97	2.04	2.22	4.05	3.47	1.17
Revenue	50.71	47.33	37.09	23.12	15.33	10.01
Revenue Growth (YoY)	26.82%	27.59%	60.44%	50.80%	53.22%	134.64%
Compensation Expenses	16.4	14.8	11.1	8.26	5.45	3.65
Selling, General & Admin	6.26	5.79	5.03	3.75	2.75	2.24
Other Non-Interest Expenses	4.88	4.57	3.33	2.65	1.74	1.05
Total Non-Interest Expense	27.53	25.15	19.46	14.66	9.94	6.94
Pretax Income	23.17	22.17	17.63	8.46	5.39	3.07
Provision for Income Taxes	5.73	5.52	4.51	2.17	1.37	-3.23
Net Income	17.44	16.65	13.12	6.28	4.02	6.3
Net Income to Common	17.44	16.65	13.12	6.28	4.02	6.3
Net Income Growth	19.30%	26.85%	108.88%	56.18%	-36.10%	-
Shares Outstanding (Basic)	12	12	9	7	6	4
Shares Outstanding (Diluted)	24	23	21	7	6	4
Shares Change (YoY)	6.64%	11.73%	189.53%	21.56%	52.73%	34.62%
EPS (Basic)	1.49	1.42	1.39	0.87	0.68	1.61
EPS (Diluted)	0.74	0.71	0.63	0.87	0.68	1.61
EPS Growth	-11.91%	12.70%	-27.59%	27.94%	-57.76%	-
Shares Outstanding	12.17	11.53	11.64	7.25	6.77	4.73
Free Cash Flow	21.52	16.95	14.62	6.21	10.04	3.38
Free Cash Flow Growth	27.02%	15.93%	135.23%	-38.09%	196.81%	-
Free Cash Flow Per Share	0.92	0.72	0.70	0.86	1.69	0.87
Profit Margin	34.40%	35.18%	35.38%	27.18%	26.24%	62.93%
FCF Margin	42.45%	35.81%	39.41%	26.88%	65.48%	33.80%
EBITDA	0.99	0.88	0.6	0.56	0.57	0.3
EBITDA Margin	1.96%	1.87%	1.61%	2.42%	3.71%	3.02%
Effective Tax Rate	24.74%	24.91%	25.56%	25.71%	25.39%	-105.15%

SEC Filings: 10-K · 10-Q