OptimumBank Holdings, Inc. (OPHC)

OptimumBank Holdings Cash Flow Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	15.75	13.12	6.28	4.02	6.3	-0.78
Depreciation & Amortization	0.75	0.6	0.56	0.57	0.3	0.33
Gain (Loss) on Sale of Assets	-	-	-	-	-0.34	0.01
Provision for Credit Losses	2.25	2.22	4.05	3.47	1.17	1.02
Accrued Interest Receivable	-0.02	-0.87	-1.03	-0.47	0.37	-0.9
Change in Other Net Operating Assets	-2.22	0.09	-4.29	1.31	-0.23	-1.31
Other Operating Activities	-0.22	-0.05	0.82	1.1	-4	-0.04
Operating Cash Flow	17.16	15.61	6.88	10.36	3.76	-1.46
Operating Cash Flow Growth	71.86%	126.75%	-33.57%	175.31%	-	-
Capital Expenditures	-0.81	-0.99	-0.67	-0.32	-0.38	-0.2
Sale of Property, Plant and Equipment	-	-	-	-	1.08	-
Investment in Securities	1.29	1.3	1.61	2.64	-14.19	-11.03
Net Decrease (Increase) in Loans Originated / Sold - Investing	-36.78	-126.21	-197.85	-232.31	-95.57	-51.77
Other Investing Activities	1.8	0.43	-2.75	0.19	0.3	0.22
Investing Cash Flow	-34.5	-125.47	-199.66	-229.8	-108.76	-62.77
Short-Term Debt Issued	-	-	13.6	-	-	-
Long-Term Debt Issued	-	-	52	-	-	10
Total Debt Issued	-	-	65.6	-	-	10
Short-Term Debt Repaid	-	-13.6	-	-	-	-
Long-Term Debt Repaid	-	-12	-	-8	-5	-
Total Debt Repaid	-40	-25.6	-	-8	-5	-
Net Debt Issued (Repaid)	-40	-25.6	65.6	-8	-5	10
Issuance of Common Stock	8.42	18.46	0.32	9.87	3.64	0.54
Preferred Stock Issued	0.12	2.05	-	15	9	10
Net Increase (Decrease) in Deposit Accounts	152.98	132.61	131.68	215.44	101.7	89.39
Other Financing Activities	-0.69	-0.69	-	-	-	-
Financing Cash Flow	120.82	126.83	197.61	232.31	109.34	109.93
Net Cash Flow	103.49	16.97	4.83	12.87	4.34	45.7
Free Cash Flow	16.36	14.62	6.21	10.04	3.38	-1.66
Free Cash Flow Growth	81.00%	135.23%	-38.09%	196.81%	-	-
Free Cash Flow Margin	37.33%	39.41%	26.88%	65.48%	33.80%	-38.88%
Free Cash Flow Per Share	1.36	1.49	0.86	1.69	0.87	-0.56
Cash Interest Paid	24.97	26.43	11.8	3.93	1.04	2.68
Cash Income Tax Paid	2.99	2.24	1.07	-	-	-

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

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