OptimumBank Holdings Cash Flow Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	17.44	16.65	13.12	6.28	4.02	6.3
Depreciation & Amortization	0.99	0.88	0.6	0.56	0.57	0.3
Provision for Credit Losses	2.97	2.04	2.22	4.05	3.47	1.17
Stock-Based Compensation	1.01	0.88	0.49	0.49	0.37	0.2
Other Adjustments	-0.74	-0.63	-0.05	0.82	1.1	-4.34
Changes in Accrued Interest and Accounts Receivable	-0.71	-0.27	-0.87	-1.03	-0.47	0.37
Changes in Other Operating Activities	1.56	-1.75	0.09	-4.29	1.31	-0.23
Operating Cash Flow	22.58	17.84	15.61	6.88	10.36	3.76
Operating Cash Flow Growth	39.39%	14.33%	126.75%	-33.57%	175.31%	-
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	-1.15	1.73	-1.14	2.83	-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
Net Change in Deposits	239.95	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	30	-	-12	52	-8	-5
Net Long-Term Debt Issued (Repaid)	30	-	-12	52	-8	-5
Issuance of Common Stock	-0.03	0.22	17.89	0.32	9.87	3.64
Net Common Stock Issued (Repurchased)	-0.03	0.22	17.89	0.32	9.87	3.64
Issuance of Preferred Stock	-	-	1.93	-	15	9
Repurchase of Preferred Stock	-0	-	-	-	-	-
Net Preferred Stock Issued (Repurchased)	-0	-	1.93	-	15	9
Financing Cash Flow	269.92	159.77	126.83	197.61	232.31	109.34
Net Cash Flow	-3.44	20.93	16.97	4.83	12.87	4.34
Free Cash Flow	21.52	16.95	14.62	6.21	10.04	3.38
Free Cash Flow Growth	27.02%	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	0.92	0.72	0.70	0.86	1.69	0.87

SEC Filings: 10-K · 10-Q