OptimumBank Holdings, Inc. (OPHC)

OptimumBank Holdings Cash Flow Statement

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

Operating Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	20.49	16.65	13.12	6.28	4.02	6.3
Depreciation & Amortization	1.03	0.88	0.6	0.56	0.57	0.3
Gain (Loss) on Sale of Assets	0.05	0.05	-	-	-	-0.34
Provision for Credit Losses	1.89	2.04	2.22	4.05	3.47	1.17
Accrued Interest Receivable	-1.72	-0.27	-0.87	-1.03	-0.47	0.37
Change in Other Net Operating Assets	4.46	-1.75	0.09	-4.29	1.31	-0.23
Other Operating Activities	-0.51	-0.63	-0.05	0.82	1.1	-4
Operating Cash Flow	26.7	17.84	15.61	6.88	10.36	3.76
Operating Cash Flow Growth	38.67%	14.33%	126.75%	-33.57%	175.31%	-

Investing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Capital Expenditures	-1.23	-0.9	-0.99	-0.67	-0.32	-0.38
Sale of Property, Plant and Equipment	-	-	-	-	-	1.08
Investment in Securities	-3.4	-1.05	1.3	1.61	2.64	-14.19
Net Decrease (Increase) in Loans Originated / Sold - Investing	-431.95	-154.64	-126.21	-197.85	-232.31	-95.57
Other Investing Activities	-1.31	-0.1	0.43	-2.75	0.19	0.3
Investing Cash Flow	-437.33	-156.68	-125.47	-199.66	-229.8	-108.76

Financing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Short-Term Debt Issued	-	-	-	13.6	-	-
Long-Term Debt Issued	-	-	-	52	-	-
Total Debt Issued	14	-	-	65.6	-	-
Short-Term Debt Repaid	-	-	-13.6	-	-	-
Long-Term Debt Repaid	-	-	-12	-	-8	-5
Total Debt Repaid	25	-	-25.6	-	-8	-5
Net Debt Issued (Repaid)	39	-	-25.6	65.6	-8	-5
Issuance of Common Stock	0.97	0.25	18.46	0.32	9.87	3.64
Preferred Stock Issued	-	-	2.05	-	15	9
Net Increase (Decrease) in Deposit Accounts	335.18	159.56	132.61	131.68	215.44	101.7
Other Financing Activities	-0.03	-0.03	-0.69	-	-	-
Financing Cash Flow	375.11	159.77	126.83	197.61	232.31	109.34

Net Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Cash Flow	-35.52	20.93	16.97	4.83	12.87	4.34

Free Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Free Cash Flow	25.47	16.95	14.62	6.21	10.04	3.38
Free Cash Flow Growth	39.15%	15.93%	135.23%	-38.09%	196.81%	-
Free Cash Flow Margin	44.77%	35.81%	39.41%	26.88%	65.48%	33.80%
Free Cash Flow Per Share	0.87	0.72	0.70	0.86	1.69	0.87

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash Interest Paid	23.12	21.73	26.43	11.8	3.93	1.04
Cash Income Tax Paid	6.16	6.86	2.24	1.07	-	-

SEC Filings: 10-K · 10-Q

Data Source: S&P Global Market Intelligence Last updated: Jul 24, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Aug 23, 2026

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