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OptimumBank Holdings, Inc. (OPHC)
NYSEAMERICAN: OPHC · Real-Time Price · USD
9.20
+0.15 (1.66%)
Sep 15, 2026, 4:00 PM EDT - Market closed

OptimumBank Holdings Financials Overview

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
56.8947.3337.0923.1215.3310.01
Revenue Growth
37.86%27.59%60.44%50.80%53.22%134.64%
Net Income
20.4916.6513.126.284.026.3
Earnings Per Share
0.650.710.630.870.681.61
EPS Growth
-2.02%12.70%-27.42%28.48%-58.16%-

Cash & Debt
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
146.24114.5693.6376.6671.8458.97
Total Debt
41.5552.7552.7777.8512.1719.78
Net Cash (Debt)
104.6961.8140.86-1.1959.6639.2
Net Cash Growth
-41.54%51.30%--52.22%36.86%
Net Cash Per Share
4.242.641.95-0.1610.0210.05

Cash Flow & CapEx
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
26.717.8415.616.8810.363.76
Capital Expenditures
-1.23-0.9-0.99-0.67-0.32-0.38
Free Cash Flow
25.4716.9514.626.2110.043.38
Free Cash Flow Growth
39.15%15.93%135.23%-38.09%196.81%-

Margins
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Profit Margin
36.02%35.18%35.38%27.18%26.24%62.93%
FCF Margin
44.77%35.81%39.41%26.88%65.48%33.80%

Valuation
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
14.192.943.664.836.882.95
Forward PE
8.345.12----
P/FCF Ratio
8.702.893.294.882.765.50
PS Ratio
3.891.041.301.311.811.86