OptimumBank Holdings, Inc.
OptimumBank Holdings, Inc.
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Financial Statements
Values in Millions ($) | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Financial statements beyond 3 years are for subscribers only. Unlock 17+ years of income statements, balance sheets, and cash flow statements Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Cash And Due From Banks | 15 | 15 | 9 | 9 | 9 | 14 | 14 | 15 | 12 | 14 | 14 | 10 | |||||
Interest Bearing Deposits In Banks | 132 | 125 | 105 | 226 | 173 | 130 | 80 | 116 | 92 | 137 | 63 | 94 | |||||
Cash Cash Equivalents And Federal Funds Sold | 146 | 140 | 115 | 235 | 182 | 143 | 94 | 132 | 104 | 151 | 77 | 104 | |||||
Available For Sale Securities Debt Securities | 27 | 27 | 25 | 23 | 22 | 23 | 23 | 24 | 24 | 24 | 24 | 23 | |||||
Held To Maturity Securities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Loans And Leases Receivable Net Reported Amount | - | - | - | - | - | - | - | - | - | - | - | 574 | |||||
Notes Receivable Net | 1,204 | 1,079 | 947 | 803 | 775 | 791 | 795 | 769 | 752 | 746 | 671 | - | |||||
Assets | |||||||||||||||||
Assets | 1,401 | 1,269 | 1,112 | 1,083 | 999 | 977 | 933 | 945 | 900 | 941 | 791 | 713 | |||||
Federal Home Loan Bank Stock | 2 | 3 | 3 | 1 | 1 | 1 | 3 | 2 | 3 | 2 | 3 | 1 | |||||
Property Plant And Equipment Net | 3 | 3 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 1 | 1 | |||||
Operating Lease Right Of Use Asset | 2 | 3 | 3 | 3 | 3 | 3 | 3 | 2 | 2 | 2 | 2 | 2 | |||||
Interest Receivable | 5 | 4 | 4 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 2 | 2 | |||||
Deferred Income Tax Assets Net | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | |||||
Other Assets | 8 | 8 | 9 | 10 | 8 | 7 | 7 | 8 | 7 | 7 | 7 | 3 | |||||
Liabilities And Stockhold… | |||||||||||||||||
Noninterest Bearing Deposit Liabilities | 319 | 305 | 267 | 314 | 260 | 236 | 212 | 202 | 231 | 218 | 195 | 212 | |||||
Deposits Money Market Deposits And Negotiable Orde… | 383 | 345 | 307 | 309 | 301 | 290 | 278 | 318 | 300 | 319 | 323 | 253 | |||||
Time Deposits | 511 | 443 | 358 | 336 | 318 | 327 | 282 | 286 | 231 | 262 | 122 | 153 | |||||
Deposits | 1,214 | 1,093 | 932 | 959 | 879 | 853 | 772 | 807 | 763 | 798 | 640 | 618 | |||||
Liabilities | |||||||||||||||||
Liabilities | 1,267 | 1,142 | 990 | 966 | 888 | 869 | 830 | 852 | 813 | 858 | 721 | 647 | |||||
Federal Home Loan Bank Advances Long Term | 25 | 40 | 50 | - | - | 10 | 50 | 40 | 45 | 40 | 62 | 10 | |||||
Operating Lease Liability | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 2 | 2 | 2 | 2 | 2 | |||||
Other Liabilities | 11 | 6 | 5 | 4 | 6 | 4 | 5 | 4 | 3 | 4 | 4 | 3 | |||||
Common Stock Value | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Additional Paid In Capital | 114 | 113 | 113 | 113 | 112 | 112 | 111 | 104 | 102 | 102 | 91 | 91 | |||||
Stockholders Equity | |||||||||||||||||
Stockholders Equity | 134 | 127 | 122 | 117 | 111 | 108 | 103 | 93 | 87 | 83 | 70 | 66 | |||||
Retained Earnings Accumulated Deficit | 25 | 18 | 14 | 9 | 5 | 1 | -3 | -7 | -10 | -14 | -16 | -19 | |||||
Accumulated Other Comprehensive Income Loss Net Of… | -5 | -5 | -5 | -5 | -5 | -5 | -6 | -4 | -5 | -6 | -5 | -7 | |||||
Liabilities And Stockholders Equity | 1,401 | 1,269 | 1,112 | 1,083 | 999 | 977 | 933 | 945 | 900 | 941 | 791 | 713 | |||||
Held To Maturity Securities Debt Maturities Single… | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Loans And Leases Receivable Allowance | - | - | - | - | - | - | - | - | - | - | - | 7 | |||||
Financing Receivable Allowance For Credit Losses | - | 11 | 10 | 10 | 9 | 8 | 9 | 8 | 8 | 8 | 8 | 7 | |||||
Preferred Stock No Par Value | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Preferred Stock Shares Authorized | 0 | 6 | 6 | 6 | 6 | 6 | 6 | 6 | 6 | 6 | 6 | 6 | |||||
Common Stock Par Or Stated Value Per Share | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | |||||
Common Stock Shares Authorized | 30 | 30 | 30 | 30 | 30 | 30 | 30 | 30 | 30 | 30 | 30 | 30 | |||||
Common Stock Shares Issued | 12 | 12 | 12 | 12 | 12 | 12 | 12 | 10 | 10 | 10 | 7 | 7 | |||||
Shares Outstanding | 12 | 12 | 12 | 12 | 12 | 12 | 12 | 10 | 10 | 10 | 7 | 7 | |||||
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Interactive Financial Visualizations
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Earnings Market Reaction
| Fiscal Year | Q1 1 Month | Q1 2 Month | Q1 3 Month | Q2 1 Month | Q2 2 Month | Q2 3 Month | Q3 1 Month | Q3 2 Month | Q3 3 Month | Q4 1 Month | Q4 2 Month | Q4 3 Month |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 0.00% | 4.18% | 38.18% | - | - | - | - | - | - | - | - | - |
| 2025 | -4.60% | -5.23% | -5.44% | 0.00% | -1.88% | -4.94% | 2.50% | 6.00% | 17.75% | -4.32% | 1.88% | 2.06% |
| 2024 | 3.70% | 0.23% | 3.46% | 1.11% | 2.00% | 2.22% | -12.96% | -13.50% | -16.79% | -3.51% | -11.40% | 0.88% |
| 2023 | - | - | - | - | - | - | 9.18% | 32.28% | 46.84% | -6.33% | -7.21% | -6.11% |
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Performance and Valuation Metrics
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Metrics | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Metric history beyond 3 years is for subscribers only. Unlock 17+ years of history across 90+ calculated metrics Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Leverage & Debt | |||||||||||||||||
| Interest Coverage TTM | -0.47 | -0.50 | -0.48 | -0.47 | -0.48 | -0.46 | -0.11 | 0.28 | 0.79 | 1.66 | 1.70 | 1.68 | |||||
Efficiency & Turnover | |||||||||||||||||
| Days Sales Outstanding TTM | - | - | - | - | - | - | - | - | - | - | - | 5,829.29 | |||||
| Receivables Turnover TTM | - | - | - | - | - | - | - | - | - | - | - | 0.06 | |||||
Per Share Metrics | |||||||||||||||||
| Diluted EPS TTM | 0.86 | 0.74 | 1.42 | 0.67 | 0.63 | 0.63 | 1.39 | 0.55 | 0.95 | 0.98 | 0.87 | 0.73 | |||||
| Free Cash Flow Per Share TTM | 2.06 | 1.80 | 1.45 | 1.39 | 1.56 | 1.30 | 1.55 | 0.93 | 0.65 | 1.14 | 0.86 | 1.32 | |||||
| Dividend Per Share TTM | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |||||
Margin Metrics | |||||||||||||||||
| Gross Profit Margin TTM | 67.80% | 67.37% | 66.18% | 63.86% | 61.50% | 59.45% | 58.18% | 54.64% | 55.60% | 57.39% | 59.41% | 67.04% | |||||
| Operating Profit Margin TTM | 36.24% | 33.68% | 34.45% | 33.60% | 32.15% | 32.05% | 29.57% | 28.54% | 26.76% | 24.29% | 23.64% | 22.57% | |||||
| Net Profit Margin TTM | 27.35% | 25.35% | 25.87% | 25.17% | 23.91% | 23.90% | 22.01% | 21.25% | 19.88% | 17.99% | 17.56% | 16.78% | |||||
Growth Metrics | |||||||||||||||||
| Net Revenue Growth (1Y) | 21.71% | 12.47% | 7.92% | 13.39% | 26.33% | 46.59% | 66.65% | 75.16% | 73.51% | 74.34% | 79.96% | 95.11% | |||||
| Net Income Growth (1Y) | 39.20% | 19.32% | 26.85% | 34.29% | 51.92% | 94.71% | 108.88% | 121.88% | 106.72% | 73.73% | 56.18% | -25.16% | |||||
| EPS Growth (1Y) | 32.55% | 16.63% | 2.43% | 11.37% | 24.62% | 26.70% | 60.08% | 64.77% | 55.48% | 64.33% | 28.48% | -37.38% | |||||
Valuation Metrics | |||||||||||||||||
| P/E TTM | 3.52 | 3.50 | 2.99 | 3.07 | 3.57 | 3.29 | 3.43 | 3.81 | 4.28 | 4.35 | 4.82 | 4.36 | |||||
| P/B TTM | 0.54 | 0.48 | 0.41 | 0.41 | 0.47 | 0.45 | 0.44 | 0.48 | 0.48 | 0.39 | 0.43 | 0.35 | |||||
| P/S TTM | 0.96 | 0.89 | 0.77 | 0.77 | 0.85 | 0.79 | 0.75 | 0.81 | 0.85 | 0.78 | 0.85 | 0.73 | |||||
| Market Cap | 72.07M | 61.07M | 49.71M | 48.27M | 52.53M | 48.11M | 44.96M | 44.62M | 41.45M | 32.67M | 30.26M | 23.06M | |||||
| Enterprise Value | 57.43M | 46.00M | 40.36M | 39.00M | 43.69M | 34.56M | 30.98M | 29.26M | 29.53M | 18.64M | 16.25M | 13.50M | |||||
Calculated Values | |||||||||||||||||
| Free Cash Flow TTM | 25.47M | 21.52M | 16.95M | 16.36M | 18.31M | 15.18M | 14.62M | 9.04M | 6.24M | 8.71M | 6.21M | 9.54M | |||||
| Net Debt | -14.64M | -15.07M | -9.35M | -9.27M | -8.83M | -13.54M | -13.98M | -15.36M | -11.92M | -14.03M | -14.01M | -9.56M | |||||
Per-Share and Margin | |||||||||||||||||
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Turnover Ratios and Averages | |||||||||||||||||
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| Cash Conversion Cycle TTM | |||||||||||||||||
| Working Capital to Revenue | |||||||||||||||||
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Growth Rates | |||||||||||||||||
| Total Assets Growth (1Y) | |||||||||||||||||
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| Dividends Paid Growth (1Y) | |||||||||||||||||
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| EPS Growth (3Y) | |||||||||||||||||
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| Net Income Growth (3Y) | |||||||||||||||||
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| Net Profit Margin Growth (1Y) | |||||||||||||||||
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| Net Profit Margin Growth (5Y) | |||||||||||||||||
| Net Revenue Growth (3Y) | |||||||||||||||||
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| Deferred Revenue Growth (1Y) | |||||||||||||||||
| Retained Earnings Growth (1Y) | |||||||||||||||||
Credit, Liquidity, Returns, Payout | |||||||||||||||||
| Cash Ratio | |||||||||||||||||
| Net Working Capital | |||||||||||||||||
| Debt to EBITDA TTM | |||||||||||||||||
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| Net Debt to Equity | |||||||||||||||||
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| Dilution Ratio | |||||||||||||||||
| Retained Earnings to Equity | |||||||||||||||||
| Treasury Stock to Equity | |||||||||||||||||
| Treasury Stock Change (1Y) | |||||||||||||||||
| Accrued to Current Liabilities | |||||||||||||||||
| NCAV | |||||||||||||||||
| NCAV Per Share TTM | |||||||||||||||||
Valuation Ratios | |||||||||||||||||
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| PEG Ratio | |||||||||||||||||
| Dividend Yield TTM | |||||||||||||||||
| Free Cash Flow Yield TTM | |||||||||||||||||
| EV EBITDA TTM | |||||||||||||||||
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| Adjusted Net Income TTM | |||||||||||||||||
| Billings TTM | |||||||||||||||||
| Total Debt | |||||||||||||||||
| Invested Capital | |||||||||||||||||
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Insider Transactions
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Institutional Ownership
OptimumBank Holdings, Inc. (OPHC) — SEC Financial Statements & Analysis
OptimumBank Holdings, Inc. (OPHC) is a national commercial banks company, incorporated in FL. OptimumBank Holdings, Inc. trades on NYSE as: OPHC. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), OptimumBank Holdings, Inc. reported a 21.71% year-over-year revenue growth, a Gross Profit Margin of 67.80% (TTM), a Price-to-Sales (P/S) ratio of 0.96x (TTM), a Price-to-Book (P/B) ratio of 0.54x (TTM), at a market cap of $72.07M. Figures below are sourced from SEC EDGAR, as-filed.
- Net Revenue TTM Growth 1Y
- 21.71%
- Gross Profit Margin TTM
- 67.80%
- P/S TTM
- 0.96x
- P/B TTM
- 0.54x
- Market Cap
- $72.07M
Data as of 2026-06-30 · Source: SEC EDGAR
Frequently Asked Questions
What industry is OptimumBank Holdings, Inc. in?
OptimumBank Holdings, Inc. (OPHC) operates in the National Commercial Banks industry.
What is OPHC's market cap?
OptimumBank Holdings, Inc. (OPHC) has a market capitalization of $72.07M as of 2026-06-30.
What is OPHC's P/E ratio?
OptimumBank Holdings, Inc. (OPHC)'s trailing twelve month P/E ratio is 3.52x as of 2026-06-30.
What exchange does OPHC trade on?
OptimumBank Holdings, Inc. (OPHC) trades on the NYSE.
Where is OptimumBank Holdings, Inc. incorporated?
OptimumBank Holdings, Inc. is incorporated in FL.