OptimumBank Holdings, Inc. (OPHC)

OptimumBank Holdings Income Statement

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

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

Updated Feb 2, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q