OptimumBank Holdings, Inc. (OPHC)

OptimumBank Holdings Cash Flow 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 Income	16.65	13.12	6.28	4.02	6.3
Depreciation & Amortization	0.88	0.6	0.56	0.57	0.3
Provision for Credit Losses	2.04	2.22	4.05	3.47	1.17
Stock-Based Compensation	0.88	0.49	0.49	0.37	0.2
Other Adjustments	-0.63	-0.05	0.82	1.1	-4.34
Changes in Accrued Interest and Accounts Receivable	-0.27	-0.87	-1.03	-0.47	0.37
Changes in Other Operating Activities	-1.75	0.09	-4.29	1.31	-0.23
Operating Cash Flow	17.84	15.61	6.88	10.36	3.76
Operating Cash Flow Growth	14.33%	126.75%	-33.57%	175.31%	-
Net Change in Loans Held-for-Investment	-154.64	-126.21	-197.85	-232.31	-95.57
Net Change in Securities and Investments	-1.15	1.73	-1.14	2.83	-13.89
Capital Expenditures	-0.9	-0.99	-0.67	-0.32	-0.38
Sale of Property, Plant & Equipment	-	-	-	-	1.08
Investing Cash Flow	-156.68	-125.47	-199.66	-229.8	-108.76
Net Change in Deposits	159.56	132.61	131.68	215.44	101.7
Short-Term Debt Issued	-	-13.6	13.6	-	-
Net Short-Term Debt Issued (Repaid)	-	-13.6	13.6	-	-
Long-Term Debt Issued	-	-12	52	-8	-5
Net Long-Term Debt Issued (Repaid)	-	-12	52	-8	-5
Issuance of Common Stock	0.22	17.89	0.32	9.87	3.64
Net Common Stock Issued (Repurchased)	0.22	17.89	0.32	9.87	3.64
Issuance of Preferred Stock	-	1.93	-	15	9
Net Preferred Stock Issued (Repurchased)	-	1.93	-	15	9
Financing Cash Flow	159.77	126.83	197.61	232.31	109.34
Net Cash Flow	20.93	16.97	4.83	12.87	4.34
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%	-
FCF Margin	35.81%	39.41%	26.88%	65.48%	33.80%
Free Cash Flow Per Share	0.72	0.70	0.86	1.69	0.87
Levered Free Cash Flow	14.61	-13.65	66.46	-2.9	1.35
Unlevered Free Cash Flow	-2.04	-1.17	-5.42	1.08	0.05

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

SEC Filings: 10-K · 10-Q