OptimumBank Holdings Income 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	Jun '26 Jun 30, 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 Interest Income	50.81	42.59	34.69	23.71	15.84	9.4
Net Interest Income Growth	34.17%	22.76%	46.29%	49.74%	68.40%	88.46%
Non-Interest Income	7.98	6.77	4.62	3.45	2.96	1.77
Non-Interest Income Growth	52.04%	46.53%	33.92%	16.62%	66.86%	503.40%
Revenues Before Loan Losses	58.79	49.36	39.31	27.17	18.8	11.18
Provision for Credit Losses	1.89	2.04	2.22	4.05	3.47	1.17
Revenue	56.89	47.33	37.09	23.12	15.33	10.01
Revenue Growth	37.85%	27.59%	60.44%	50.80%	53.22%	134.64%
Compensation Expenses	17.94	14.8	11.1	8.26	5.45	3.65
Selling, General & Admin	6.76	5.79	5.03	3.75	2.75	2.24
Other Non-Interest Expenses	5.04	4.57	3.33	2.65	1.74	1.05
Total Non-Interest Expense	29.74	25.15	19.46	14.66	9.94	6.94
Pretax Income	27.16	22.17	17.63	8.46	5.39	3.07
Provision for Income Taxes	-	5.52	4.51	2.17	1.37	-3.23
Net Income	13.84	16.65	13.12	6.28	4.02	6.3
Net Income to Common	13.84	16.65	13.12	6.28	4.02	6.3
Net Income Growth	-6.02%	26.85%	108.88%	56.18%	-36.10%	-
Shares Outstanding (Basic)	12	12	9	7	6	4
Shares Outstanding (Diluted)	24	23	21	7	6	4
Shares Change	-16.39%	11.73%	189.53%	21.56%	52.73%	34.62%
EPS (Basic)	1.58	1.42	1.39	0.87	0.68	1.61
EPS (Diluted)	0.87	0.71	0.63	0.87	0.68	1.61
EPS Growth	33.85%	12.70%	-27.59%	27.94%	-57.76%	-

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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
Free Cash Flow	-	16.95	14.62	6.21	10.04	3.38
Free Cash Flow Growth	-	15.93%	135.23%	-38.09%	196.81%	-
Free Cash Flow Per Share	-	0.72	0.70	0.86	1.69	0.87
Profit Margin	24.33%	35.18%	35.38%	27.18%	26.24%	62.93%
FCF Margin	-	35.81%	39.41%	26.88%	65.48%	33.80%
Effective Tax Rate	-	24.91%	25.56%	25.71%	25.39%	-105.15%

SEC Filings: 10-K · 10-Q