Skip to main content
logo
OptimumBank Holdings, Inc. (OPHC)
NYSEAMERICAN: OPHC · Real-Time Price · USD
9.00
+0.21 (2.39%)
Aug 6, 2026, 4:00 PM EDT - Market closed

OptimumBank Holdings Cash Flow Statement

Millions USD. Fiscal year is Jan - Dec.

Operating Activities

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Mar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Net Income
17.4416.6513.126.284.026.3
Depreciation & Amortization
0.990.880.60.560.570.3
Provision for Credit Losses
2.972.042.224.053.471.17
Stock-Based Compensation
1.010.880.490.490.370.2
Other Adjustments
-0.74-0.63-0.050.821.1-4.34
Changes in Accrued Interest and Accounts Receivable
-0.71-0.27-0.87-1.03-0.470.37
Changes in Other Operating Activities
1.56-1.750.09-4.291.31-0.23
Operating Cash Flow
22.5817.8415.616.8810.363.76
Operating Cash Flow Growth
39.39%14.33%126.75%-33.57%175.31%-

Investing Activities

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Mar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Net Change in Loans Held-for-Investment
-290.51-154.64-126.21-197.85-232.31-95.57
Net Change in Securities and Investments
2.13-1.151.73-1.142.83-13.89
Capital Expenditures
-1.05-0.9-0.99-0.67-0.32-0.38
Sale of Property, Plant & Equipment
-----1.08
Other Investing Activities
0.56-----
Investing Cash Flow
-295.94-156.68-125.47-199.66-229.8-108.76

Financing Activities

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Mar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Net Change in Deposits
239.95159.56132.61131.68215.44101.7
Short-Term Debt Issued
---13.613.6--
Net Short-Term Debt Issued (Repaid)
---13.613.6--
Long-Term Debt Issued
30--1252-8-5
Net Long-Term Debt Issued (Repaid)
30--1252-8-5
Issuance of Common Stock
-0.030.2217.890.329.873.64
Net Common Stock Issued (Repurchased)
-0.030.2217.890.329.873.64
Issuance of Preferred Stock
--1.93-159
Repurchase of Preferred Stock
-0-----
Net Preferred Stock Issued (Repurchased)
-0-1.93-159
Financing Cash Flow
269.92159.77126.83197.61232.31109.34

Net Cash Flow

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Mar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Net Cash Flow
-3.4420.9316.974.8312.874.34

Free Cash Flow

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Mar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Free Cash Flow
21.5216.9514.626.2110.043.38
Free Cash Flow Growth
41.75%15.93%135.23%-38.09%196.81%-
FCF Margin
42.45%35.81%39.41%26.88%65.48%33.80%
Free Cash Flow Per Share
0.920.720.700.861.690.87
SEC Filings: 10-K · 10-Q