OptimumBank Holdings, Inc. (OPHC)

OptimumBank Holdings Cash Flow Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	13.12	6.28	4.02	6.3
Depreciation & Amortization	0.6	0.56	0.57	0.3
Gain (Loss) on Sale of Assets	-	-	-	-0.34
Provision for Credit Losses	2.22	4.05	3.47	1.17
Accrued Interest Receivable	-0.87	-1.03	-0.47	0.37
Change in Other Net Operating Assets	0.09	-4.29	1.31	-0.23
Other Operating Activities	-0.05	0.82	1.1	-4
Operating Cash Flow	15.61	6.88	10.36	3.76
Operating Cash Flow Growth	126.75%	-33.57%	175.31%	-
Capital Expenditures	-0.99	-0.67	-0.32	-0.38
Sale of Property, Plant and Equipment	-	-	-	1.08
Investment in Securities	1.3	1.61	2.64	-14.19
Net Decrease (Increase) in Loans Originated / Sold - Investing	-126.21	-197.85	-232.31	-95.57
Other Investing Activities	0.43	-2.75	0.19	0.3
Investing Cash Flow	-125.47	-199.66	-229.8	-108.76
Short-Term Debt Issued	-	13.6	-	-
Long-Term Debt Issued	-	52	-	-
Total Debt Issued	-	65.6	-	-
Short-Term Debt Repaid	-13.6	-	-	-
Long-Term Debt Repaid	-12	-	-8	-5
Total Debt Repaid	-25.6	-	-8	-5
Net Debt Issued (Repaid)	-25.6	65.6	-8	-5
Issuance of Common Stock	18.46	0.32	9.87	3.64
Preferred Stock Issued	2.05	-	15	9
Net Increase (Decrease) in Deposit Accounts	132.61	131.68	215.44	101.7
Other Financing Activities	-0.69	-	-	-
Financing Cash Flow	126.83	197.61	232.31	109.34
Net Cash Flow	16.97	4.83	12.87	4.34
Free Cash Flow	14.62	6.21	10.04	3.38
Free Cash Flow Growth	135.23%	-38.09%	196.81%	-
Free Cash Flow Margin	39.41%	26.88%	65.48%	33.80%
Free Cash Flow Per Share	1.49	0.86	1.69	0.87
Cash Interest Paid	26.43	11.8	3.93	1.04
Cash Income Tax Paid	2.24	1.07	-	-

Updated Feb 2, 2026. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q