Optimumbank Hold Financials
Optimumbank Hold (OPHC) reported $64.4M in revenue for fiscal year 2025, up 7.9% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
OptimumBank’s earnings growth is being driven mainly by balance-sheet expansion, not a dramatic jump in asset productivity.
From FY2023 to FY2025, total assets rose from$791M to$1.1B while return on assets improved only from0.8% to1.5% , so much of the profit gain came from carrying a bigger balance sheet rather than earning far more on each dollar deployed. With debt-to-equity still near 8x in FY2025, equity returns remain highly sensitive to how efficiently that leverage is used.
Cash conversion looks healthier than headline profit alone suggests: FY2025 operating cash flow of
Balance-sheet resilience improved even without a major deleveraging event: retained earnings moved from
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Optimumbank Hold's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Optimumbank Hold passes 5 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 1 leverage/liquidity signals pass, neither operating efficiency signal passes.
For every $1 of reported earnings, Optimumbank Hold generates $1.07 in operating cash flow ($17.8M OCF vs $16.6M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Earnings & Revenue
Optimumbank Hold generated $64.4M in revenue in fiscal year 2025. This represents an increase of 7.9% from the prior year.
Optimumbank Hold reported $16.6M in net income in fiscal year 2025. This represents an increase of 26.9% from the prior year.
Optimumbank Hold earned $0.71 per diluted share (EPS) in fiscal year 2025. This represents an increase of 12.7% from the prior year.
Not reported for fiscal year 2025.
Cash & Balance Sheet
Optimumbank Hold generated $16.9M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 15.9% from the prior year.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Margins & Returns
Optimumbank Hold's net profit margin was 25.9% in fiscal year 2025, showing the share of revenue converted to profit. This is up 3.9 percentage points from the prior year.
Optimumbank Hold's ROE was 13.7% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 0.9 percentage points from the prior year.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Capital Allocation
Optimumbank Hold invested $896K in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 9.3% from the prior year.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
OPHC Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $74.9M | $64.4M+7.9% | $59.6M+66.7% | $35.8M+80.0% | $19.9M+91.4% | $10.4M+54.8% | $6.7M+29.7% | $5.2M+20.5% | $4.3M-9.0% | $4.7M-1.0% | $4.8M+5.1% | $4.5M-15.9% | $5.4M+2.1% | $5.3M+2.3% | $5.2M-19.6% | $6.4M |
| SG&A Expenses | $17.9M | $14.8M+33.3% | $11.1M+34.4% | $8.3M+51.6% | $5.4M+49.2% | $3.7M+57.2% | $2.3M+14.9% | $2.0M+8.5% | $1.9M+5.3% | $1.8M-0.2% | $1.8M-6.7% | $1.9M-3.1% | $2.0M-5.7% | $2.1M+19.2% | $1.7M-2.5% | $1.8M |
| Interest Expense | $24.1M | $21.8M-12.7% | $24.9M+106.7% | $12.1M+198.2% | $4.0M+310.8% | $985K-42.7% | $1.7M-15.9% | $2.0M+64.2% | $1.2M+4.2% | $1.2M+10.8% | $1.1M+22.1% | $884K-3.0% | $911K-52.5% | $1.9M-25.6% | $2.6M-24.7% | $3.4M |
| Income Tax | $6.7M | $5.5M+22.5% | $4.5M+107.3% | $2.2M+58.8% | $1.4M+142.4% | -$3.2M | N/A | -$52K+53.2% | -$111K-232.1% | $84K | N/A | -$320K | N/A | $320K | $0-100.0% | $41K |
| Net Income | $20.5M | $16.6M+26.9% | $13.1M+108.9% | $6.3M+56.2% | $4.0M-36.1% | $6.3M+905.1% | -$782K+28.9% | -$1.1M-238.2% | $796K+235.1% | -$589K-48.7% | -$396K-142.9% | -$163K-110.2% | $1.6M+122.7% | -$7.1M-50.6% | -$4.7M-25.4% | -$3.7M |
| EPS (Diluted) | — | $0.71+12.7% | $0.63 | $0.87+27.9% | $0.68 | N/A | N/A | N/A | N/A | -$0.53-39.5% | -$0.38 | -$0.17-109.2% | $1.85 | -$0.89 | -$0.69+15.9% | -$0.82 |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
OPHC Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | $1.1B+19.2% | $932.9M+17.9% | $791.3M+35.2% | $585.2M+66.3% | $351.9M+49.7% | $235.1M+85.5% | $126.7M+27.4% | $99.5M+3.7% | $95.9M-19.9% | $119.7M-6.1% | $127.5M+2.4% | $124.5M-3.3% | $128.8M-10.4% | $143.7M-6.9% | $154.5M |
| Cash & Equivalents | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $23.6M+3.7% | $22.8M |
| Total Liabilities | $989.8M+19.3% | $829.7M+15.0% | $721.2M+38.0% | $522.6M+66.8% | $313.4M+44.2% | $217.3M+81.8% | $119.5M+27.0% | $94.1M+0.9% | $93.3M-20.0% | $116.6M-6.3% | $124.5M+2.4% | $121.6M-5.8% | $129.0M-5.7% | $136.8M-7.3% | $147.7M |
| Total Equity | $121.9M+18.1% | $103.2M+47.4% | $70.0M+11.9% | $62.6M+62.5% | $38.5M+115.9% | $17.8M+147.5% | $7.2M+35.8% | $5.3M+108.5% | $2.5M-17.4% | $3.1M+3.8% | $3.0M-0.4% | $3.0M+1479.2% | -$216K-103.1% | $6.9M+1.8% | $6.8M |
| Retained Earnings | $13.8M+584.8% | -$2.8M+82.2% | -$16.0M+27.6% | -$22.1M+15.4% | -$26.1M+19.4% | -$32.4M-2.5% | -$31.6M-3.6% | -$30.5M+2.5% | -$31.3M-1.9% | -$30.7M-1.3% | -$30.3M-0.5% | -$30.2M+5.1% | -$31.8M-28.7% | -$24.7M-23.5% | -$20.0M |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, Current Liabilities, Long-Term Debt.
OPHC Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $26.7M | $17.8M+14.3% | $15.6M+126.8% | $6.9M-33.6% | $10.4M+175.3% | $3.8M+358.1% | -$1.5M-161.3% | -$558K-2425.0% | $24K-95.8% | $570K+3.4% | $551K-12.1% | $627K-51.9% | $1.3M+143.9% | -$3.0M-11.4% | -$2.7M-200.9% | -$885K |
| Capital Expenditures | $1.2M | $896K-9.3% | $988K+47.9% | $668K+107.5% | $322K-15.5% | $381K+90.5% | $200K-60.7% | $509K+117.5% | $234K+148.9% | $94K-6.9% | $101K+320.8% | $24K-82.0% | $133K-22.2% | $171K-50.1% | $343K | N/A |
| Free Cash Flow | $25.5M | $16.9M+15.9% | $14.6M+135.2% | $6.2M-38.1% | $10.0M+196.8% | $3.4M+304.0% | -$1.7M-55.4% | -$1.1M-408.1% | -$210K-144.1% | $476K+5.8% | $450K-25.4% | $603K-48.5% | $1.2M+137.3% | -$3.1M-4.4% | -$3.0M | N/A |
| Investing Cash Flow | -$437.3M | -$156.7M-24.9% | -$125.5M+37.2% | -$199.7M+13.1% | -$229.8M-111.3% | -$108.8M-73.3% | -$62.8M-147.9% | -$25.3M-320.8% | -$6.0M-134.4% | $17.5M | N/A | N/A | $2.8M+144.6% | $1.1M-88.9% | $10.3M-75.1% | $41.2M |
| Financing Cash Flow | $375.1M | $159.8M+26.0% | $126.8M-35.8% | $197.6M-14.9% | $232.3M+112.5% | $109.3M-0.5% | $109.9M+309.7% | $26.8M+1060.6% | $2.3M+109.6% | -$24.0M | N/A | N/A | -$5.9M+25.4% | -$7.9M-16.9% | -$6.8M+78.8% | -$31.9M |
Not reported in any period shown, so not listed: Dividends Paid, Share Buybacks.
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
OPHC Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 25.9%+3.9pp | 22.0%+4.4pp | 17.6%-2.7pp | 20.2%-40.4pp | 60.6%+72.3pp | -11.7%+9.6pp | -21.3%-39.8pp | 18.6%+31.0pp | -12.5%-4.2pp | -8.3%-4.7pp | -3.6%-33.4pp | 29.8% | -134.0% | -91.0%-32.6pp | -58.4% |
| Return on Equity | 13.7%+0.9pp | 12.7%+3.8pp | 9.0%+2.5pp | 6.4%-9.9pp | 16.4%+20.7pp | -4.4%+10.9pp | -15.3%-30.3pp | 15.0%+38.1pp | -23.1%-10.3pp | -12.8%-7.4pp | -5.5%-59.4pp | 53.9% | N/A | -68.0%-12.7pp | -55.2% |
| Return on Assets | 1.5%+0.1pp | 1.4%+0.6pp | 0.8%+0.1pp | 0.7%-1.1pp | 1.8%+2.1pp | -0.3%+0.5pp | -0.9%-1.7pp | 0.8%+1.4pp | -0.6%-0.3pp | -0.3%-0.2pp | -0.1%-1.4pp | 1.3%+6.8pp | -5.5%-2.2pp | -3.3%-0.8pp | -2.4% |
| Debt-to-Equity | 8.12+0.1x | 8.04-2.3x | 10.30+2.0x | 8.35+0.2x | 8.14-4.0x | 12.18-4.4x | 16.59-1.2x | 17.74-18.9x | 36.67-1.2x | 37.85-4.1x | 41.97+1.2x | 40.80 | N/A | 19.80-2.0x | 21.76 |
| FCF Margin | 26.3%+1.8pp | 24.5%+7.1pp | 17.4%-33.1pp | 50.5%+17.9pp | 32.6%+57.3pp | -24.7%-4.1pp | -20.6%-15.7pp | -4.9%-15.0pp | 10.1%+0.6pp | 9.4%-3.9pp | 13.3%-8.4pp | 21.7%+81.1pp | -59.4%-1.2pp | -58.2% | N/A |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: Net Margin.
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Where Optimumbank Hold Ranks
Frequently Asked Questions
What is Optimumbank Hold's annual revenue?
Optimumbank Hold (OPHC) reported $64.4M in total revenue for fiscal year 2025. This represents a 7.9% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Optimumbank Hold's revenue growing?
Optimumbank Hold (OPHC) revenue grew by 7.9% year-over-year, from $59.6M to $64.4M in fiscal year 2025.
Is Optimumbank Hold profitable?
Yes, Optimumbank Hold (OPHC) reported a net income of $16.6M in fiscal year 2025, with a net profit margin of 25.9%.
What is Optimumbank Hold's net profit margin?
Optimumbank Hold (OPHC) had a net profit margin of 25.9% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is Optimumbank Hold's return on equity (ROE)?
Optimumbank Hold (OPHC) has a return on equity of 13.7% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Optimumbank Hold's free cash flow?
Optimumbank Hold (OPHC) generated $16.9M in free cash flow during fiscal year 2025. This represents a 15.9% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Optimumbank Hold's operating cash flow?
Optimumbank Hold (OPHC) generated $17.8M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Optimumbank Hold's total assets?
Optimumbank Hold (OPHC) had $1.1B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Optimumbank Hold's capital expenditures?
Optimumbank Hold (OPHC) invested $896K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Optimumbank Hold's debt-to-equity ratio?
Optimumbank Hold (OPHC) had a debt-to-equity ratio of 8.12 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Optimumbank Hold's return on assets (ROA)?
Optimumbank Hold (OPHC) had a return on assets of 1.5% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Optimumbank Hold's Piotroski F-Score?
Optimumbank Hold (OPHC) has a Piotroski F-Score of 5 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Optimumbank Hold's earnings high quality?
Optimumbank Hold (OPHC) has an earnings quality ratio of 1.07x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Optimumbank Hold?
Optimumbank Hold (OPHC) scores 64 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.