What is OptimumBank Holdings, Inc.'s earnings per share (EPS)?

OptimumBank Holdings, Inc. (OPHC) reported diluted earnings per share of $0.71 for fiscal year 2025. This represents a 12.7% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

OptimumBank Holdings, Inc. (OPHC) Financials

OPHC

Trailing 12 months to June 30, 2026

Revenue $58.8M +36.4% YoY

Net Income $20.5M +39.2% YoY

EPS (Diluted) $0.87 +33.8% YoY

Free Cash Flow $25.5M +39.2% YoY

Market Cap $111.3M as of Oct 6, 2026

Price / Sales 1.9x on $58.8M revenue, trailing 12 months to June 30, 2026

Price / Earnings 5.4x on $20.5M net income, trailing 12 months to June 30, 2026

Price / Book 0.8x on $134.4M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 6, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 10, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 10, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the OPHC SEC filings page.

OptimumBank Holdings, Inc. (OPHC) reported $58.8M in revenue over the twelve months to Jun 30, 2026, up 36.4% from the prior twelve months. 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).

Rhea AI OPHC FY2025 2026-10-04

OptimumBank’s growth is balance-sheet-driven: reported earnings convert to cash, but expansion remains financed predominantly by liabilities.

From FY2021 to FY2025, assets expanded from $351.9M to $1.1B while liabilities rose from $313.4M to $989.8M; equity also tripled to $121.9M, but the debt-to-equity ratio stayed near 8.1x. That combination indicates a larger operating base built mainly with liability funding, rather than a business becoming materially less leveraged as it grew.

The reported cash picture broadly agrees with accounting profit in FY2025: net income was $16.6M versus operating cash flow of $17.8M, while free cash flow reached $16.9M. Because capital expenditures were only $896K, nearly all reported operating cash remained after reinvestment.

Profitability improved in scale-adjusted terms: net margin was 33.7% in FY2025 versus 23.1% in FY2023, while return on assets reached 1.5% from 0.8%. The gap between those figures reflects an asset-heavy model, where substantial assets are required to produce earnings even when the revenue margin appears high.

Financial Health Signals

Financial Health Score 63/100

Scored as: Banks peer group

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 Holdings, Inc.'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.

Earnings

OptimumBank Holdings, Inc. earned a return on assets of 1.5% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 1.4% the prior year. Earnings ranks banks on that return over three years, and OptimumBank Holdings, Inc. scores 80/100 among other banks.

Growth

OptimumBank Holdings, Inc. reported revenue of $49.4M in fiscal year 2025, against $39.3M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and OptimumBank Holdings, Inc. scores 88/100 among other banks.

Capital

OptimumBank Holdings, Inc. funded 11.0% of its assets with shareholders' equity at the end of fiscal year 2025, holding $121.9M of equity against $1.1B of assets. Capital ranks banks on that cushion, and OptimumBank Holdings, Inc. scores 45/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. OptimumBank Holdings, Inc. scores 87/100 on it among other banks.

Credit Quality

Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. OptimumBank Holdings, Inc. scores 48/100 on it among other banks.

Stability

OptimumBank Holdings, Inc. reported net income of $16.6M in fiscal year 2025, against $13.1M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and OptimumBank Holdings, Inc. scores 32/100 among other banks.

Piotroski F-Score Partial

5/6

OptimumBank Holdings, Inc. 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), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.07x

For every $1 of reported earnings, OptimumBank Holdings, Inc. 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

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Earnings & Revenue

Revenue

$17.2M

YoY+42.3%

QoQ+14.8%

5Y CAGR+48.8%

10Y CAGR+33.3%

OptimumBank Holdings, Inc. generated $17.2M in revenue in Q2 2026. This represents an increase of 42.3% from the same quarter a year earlier. Against the prior quarter it is up 14.8%.

Net Income

$6.7M

YoY+84.8%

QoQ+42.7%

5Y CAGR+71.9%

OptimumBank Holdings, Inc. reported $6.7M in net income in Q2 2026. This represents an increase of 84.8% from the same quarter a year earlier. Against the prior quarter it is up 42.7%.

EPS (Diluted)

$0.28

YoY+86.7%

QoQ+40.0%

OptimumBank Holdings, Inc. earned $0.28 per diluted share (EPS) in Q2 2026. This represents an increase of 86.7% from the same quarter a year earlier. Against the prior quarter it is up 40.0%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$9.8M

YoY+67.4%

QoQ+32.0%

5Y CAGR+56.3%

OptimumBank Holdings, Inc. generated $9.8M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 67.4% from the same quarter a year earlier. Against the prior quarter it is up 32.0%.

Shares Outstanding

12M

YoY+5.0%

QoQ+0.6%

5Y CAGR+23.1%

OptimumBank Holdings, Inc. had 12M shares outstanding in Q2 2026. This represents an increase of 5.0% from the same quarter a year earlier. Against the prior quarter it is up 0.6%.

Cash & Debt

Not reported for Q2 2026.

Dividends Per Share

Not reported for Q2 2026.

Margins & Returns

Net Margin

38.7%

YoY+8.9pp

QoQ+7.6pp

5Y change+19.9pp

10Y change+44.3pp

OptimumBank Holdings, Inc.'s net profit margin was 38.7% in Q2 2026, showing the share of revenue converted to profit. This is up 8.9 percentage points from the same quarter a year earlier. Against the prior quarter it is up 7.6 percentage points.

Return on Equity

5.0%

YoY+1.7pp

QoQ+1.3pp

5Y change+3.4pp

10Y change+6.4pp

OptimumBank Holdings, Inc.'s ROE was 5.0% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 1.7 percentage points from the same quarter a year earlier. Against the prior quarter it is up 1.3 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Capital Expenditures

$476K

YoY+59.7%

QoQ+8.4%

5Y CAGR+20.3%

OptimumBank Holdings, Inc. invested $476K in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 59.7% from the same quarter a year earlier. Against the prior quarter it is up 8.4%.

R&D Spending

Not reported for Q2 2026.

Share Buybacks

Not reported for Q2 2026.

OPHC Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

OPHC quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$58.8M	$49.4M+25.6%	$39.3M+44.7%	$27.2M+44.5%	$18.8M+68.2%	$11.2M+111.5%	$5.3M+59.6%	$3.3M+5.8%	$3.1M-12.4%	$3.6M+0.9%	$3.5M-12.8%	$4.1M-19.6%	$5.1M+44.2%	$3.5M+23.5%	$2.8M-15.9%	$3.4M
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 (Basic)	N/A	$1.42+2.2%	$1.39+59.8%	$0.87+27.9%	$0.68-57.8%	$1.61	N/A	N/A	N/A	-$0.53-39.5%	-$0.38-123.5%	-$0.17-109.2%	$1.85+307.9%	-$0.89-29.0%	-$0.69+15.9%	-$0.82
EPS (Diluted)	$0.87	$0.71+12.7%	$0.63	$0.87+27.9%	$0.68	N/A	N/A	N/A	N/A	-$0.53-39.5%	-$0.38-123.5%	-$0.17	$1.85	-$0.89	-$0.69+15.9%	-$0.82
Diluted Shares (Avg)	N/A	12M+23.8%	9M	7.24B+121459.5%	6M	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$17.2M+42.3%	$15.0M+40.5%	$13.6M+32.0%	$13.0M+29.3%	$12.1M+21.5%	$10.7M+18.5%	$10.3M+25.8%	$10.1M+47.6%
SG&A Expenses	$5.3M+41.2%	$5.0M+47.5%	$3.7M+71.2%	$4.0M+30.1%	$3.7M+23.3%	$3.4M+18.7%	$2.1M+1.5%	$3.1M+43.8%
Interest Expense	$7.0M+31.4%	$6.3M+12.2%	$5.6M-13.1%	$5.3M-17.2%	$5.3M-17.1%	$5.6M-2.3%	$6.4M+58.8%	$6.4M+113.3%
Income Tax	$2.2M+74.2%	$1.5M+15.8%	$1.6M+18.0%	$1.3M+18.3%	$1.3M+7.3%	$1.3M+56.6%	$1.4M+55.1%	$1.1M+146.8%
Net Income	$6.7M+84.8%	$4.7M+20.5%	$4.9M+22.9%	$4.3M+30.9%	$3.6M+3.0%	$3.9M+62.8%	$3.9M+54.9%	$3.3M+160.2%
EPS (Basic)	$0.40+29.0%	$0.39+18.2%	$0.42+13.5%	$0.37+8.8%	$0.31-13.9%	$0.33+6.5%	$0.37+5.7%	$0.34+88.9%
EPS (Diluted)	$0.28+86.7%	$0.20+17.6%	$0.21+16.7%	$0.18+20.0%	$0.15	$0.17	$0.18	$0.15
Diluted Shares (Avg)	24M+1.3%	24M+1.1%	N/A	23M+9.4%	23M	23M	N/A	21M

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

OPHC Balance Sheet

OPHC quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
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
Short-Term Investments	N/A	$0	$0	$0	$0	$0	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$0	$0
Long-Term Investments	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	$0	$0
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

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$1.4B+40.2%	$1.3B+29.8%	$1.1B+19.2%	$1.1B+14.6%	$999.1M+11.0%	$977.5M+3.9%	$932.9M+17.9%	$945.2M+32.5%
Short-Term Investments	N/A	N/A	N/A	N/A	N/A	N/A	$0	$0
Total Liabilities	$1.3B+42.7%	$1.1B+31.3%	$989.8M+19.3%	$966.2M+13.3%	$887.8M+9.2%	$869.5M+1.4%	$829.7M+15.0%	$852.5M+31.8%
Total Equity	$134.4M+20.7%	$126.8M+17.4%	$121.9M+18.1%	$116.9M+26.1%	$111.3M+28.0%	$108.0M+30.1%	$103.2M+47.4%	$92.7M+39.9%
Retained Earnings	$25.1M+443.1%	$18.5M+1704.9%	$13.8M+584.8%	$8.9M+231.7%	$4.6M+145.8%	$1.0M+107.5%	-$2.8M+82.2%	-$6.8M+63.3%

Not reported in any period shown, so not listed: Current Assets, Cash & Equivalents, Inventory, Accounts Receivable, Long-Term Investments, Goodwill, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

OPHC Cash Flow Statement

OPHC quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
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
Depreciation & Amortization	N/A	$468K+55.5%	$301K+32.6%	$227K-1.7%	$231K+10.0%	$210K+19.3%	$176K+1.7%	$173K+8.8%	$159K+6.7%	$149K-4.5%	$156K-0.6%	$157K-10.8%	$176K-11.1%	$198K+54.7%	$128K+21.9%	$105K
Stock-Based Compensation	N/A	$875K+78.6%	$490K0.0%	$490K+31.7%	$372K+86.9%	$199K-9.1%	$219K+9.0%	$201K	N/A	$21K-54.3%	$46K-81.0%	$242K+1.3%	$239K+408.5%	$47K+67.9%	$28K	N/A
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

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$10.3M+67.0%	$7.9M+151.0%	$6.6M+11.4%	$1.9M-52.2%	$6.2M+98.9%	$3.1M+23.2%	$6.0M+1657.2%	$4.0M+231.8%
Depreciation & Amortization	$141K+16.5%	$132K+37.5%	$127K+35.1%	$124K+36.3%	$121K+98.4%	$96K+74.5%	$94K+70.9%	$91K+59.6%
Stock-Based Compensation	N/A	$431K+45.6%	N/A	N/A	N/A	$296K-3.6%	N/A	N/A
Capital Expenditures	$476K+59.7%	$439K+55.1%	$309K+41.7%	$6K-96.1%	$298K-17.0%	$283K+9.3%	$218K+21.8%	$152K+4.1%
Free Cash Flow	$9.8M+67.4%	$7.4M+160.6%	$6.3M+10.2%	$1.9M-50.5%	$5.9M+114.1%	$2.9M+24.8%	$5.7M+3486.9%	$3.9M+263.1%
Investing Cash Flow	-$125.2M-872.0%	-$133.5M-2436.2%	-$149.4M-448.5%	-$29.2M-73.9%	$16.2M+369.0%	$5.7M+107.6%	-$27.2M+73.0%	-$16.8M+70.0%
Financing Cash Flow	$121.1M+660.5%	$151.1M+268.8%	$22.3M+233.4%	$80.6M+99.9%	$15.9M+136.1%	$41.0M-72.2%	-$16.7M-122.8%	$40.3M-49.8%

Not reported in any period shown, so not listed: Dividends Paid, Share Buybacks.

OPHC Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

OPHC quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	33.7%+0.4pp	33.4%+10.2pp	23.1%+1.7pp	21.4%-34.9pp	56.3%+71.1pp	-14.8%+18.4pp	-33.2%-58.7pp	25.4%+41.9pp	-16.5%-5.3pp	-11.2%-7.2pp	-4.0%-35.8pp	31.8%	-201.8%	-165.5%	-111.1%
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
Asset Turnover	0.040.0x	0.040.0x	0.030.0x	0.030.0x	0.030.0x	0.020.0x	0.030.0x	0.030.0x	0.040.0x	0.030.0x	0.030.0x	0.040.0x	0.030.0x	0.020.0x	0.02
FCF Margin	34.3%-2.9pp	37.2%+14.3pp	22.9%-30.5pp	53.4%+23.1pp	30.3%+61.6pp	-31.4%+0.9pp	-32.2%-25.5pp	-6.7%-20.0pp	13.3%+0.6pp	12.7%-2.1pp	14.8%-8.3pp	23.2%+112.7pp	-89.5%	-105.9%	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	38.7%+8.9pp	31.1%-5.2pp	35.7%-2.6pp	33.2%+0.4pp	29.8%-5.3pp	36.3%+9.9pp	38.3%+7.2pp	32.8%+14.2pp
Return on Equity	5.0%+1.7pp	3.7%+0.1pp	4.0%+0.2pp	3.7%+0.1pp	3.2%-0.8pp	3.6%+0.7pp	3.8%+0.2pp	3.6%+1.6pp
Return on Assets	0.5%+0.1pp	0.4%0.0pp	0.4%0.0pp	0.4%+0.1pp	0.4%0.0pp	0.4%+0.1pp	0.4%+0.1pp	0.4%+0.2pp
Debt-to-Equity	9.43+1.5x	9.00+1.0x	8.12+0.1x	8.27-0.9x	7.97-1.4x	8.05-2.3x	8.04-2.3x	9.20-0.6x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	57.1%+8.6pp	49.6%+22.9pp	46.5%-9.2pp	14.6%-23.6pp	48.5%+21.0pp	26.8%+1.3pp	55.7%+53.8pp	38.3%+22.7pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
OptimumBank Holdings, Inc. OPHC	FY2025	$49.4M	$16.6M	33.7%	$111.3M	63/100
Texas Community Bancshares, Inc. TCBS	FY2025	$16.4M	$2.8M	17.3%	$48.8M	36/100
AmeriServ Financial Inc ASRV	FY2025	$59.3M	$5.6M	9.5%	$75.0M	22/100
Home Federal Bancorp, Inc. of Louisiana HFBL	FY2026	$24.5M	$6.2M	25.2%	$73.2M	33/100
BayFirst Financial Corp. BAFN	FY2025	$63.1M	-$24.6M	-39.0%	$209.0M	6/100
Marathon Bancorp, Inc. MBBC	FY2026	$9.0M	$1.8M	19.8%	$45.4M	36/100

Where OptimumBank Holdings, Inc. Ranks

Frequently Asked Questions

What is OptimumBank Holdings, Inc.'s annual revenue?

OptimumBank Holdings, Inc. (OPHC) reported $49.4M in total revenue for fiscal year 2025. This represents a 25.6% 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 Holdings, Inc.'s revenue growing?

OptimumBank Holdings, Inc. (OPHC) revenue grew by 25.6% year-over-year, from $39.3M to $49.4M in fiscal year 2025.

Is OptimumBank Holdings, Inc. profitable?

Yes, OptimumBank Holdings, Inc. (OPHC) reported a net income of $16.6M in fiscal year 2025, with a net profit margin of 33.7%.

What is OptimumBank Holdings, Inc.'s net profit margin?

OptimumBank Holdings, Inc. (OPHC) had a net profit margin of 33.7% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is OptimumBank Holdings, Inc.'s return on equity (ROE)?

OptimumBank Holdings, Inc. (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 Holdings, Inc.'s free cash flow?

OptimumBank Holdings, Inc. (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 Holdings, Inc.'s operating cash flow?

OptimumBank Holdings, Inc. (OPHC) generated $17.8M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are OptimumBank Holdings, Inc.'s total assets?

OptimumBank Holdings, Inc. (OPHC) had $1.1B in total assets as of fiscal year 2025, including both current and long-term assets.

What are OptimumBank Holdings, Inc.'s capital expenditures?

OptimumBank Holdings, Inc. (OPHC) invested $896K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How many shares does OptimumBank Holdings, Inc. have outstanding?

OptimumBank Holdings, Inc. (OPHC) had 12M shares outstanding as of fiscal year 2025.

What is OptimumBank Holdings, Inc.'s debt-to-equity ratio?

OptimumBank Holdings, Inc. (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 Holdings, Inc.'s return on assets (ROA)?

OptimumBank Holdings, Inc. (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 Holdings, Inc.'s P/E ratio?

OptimumBank Holdings, Inc. (OPHC) trades at 5.4x earnings, its market capitalization divided by net income of $20.5M net income, trailing 12 months to June 30, 2026. The market capitalization is $111.3M as of Oct 6, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is OptimumBank Holdings, Inc.'s price-to-sales ratio?

OptimumBank Holdings, Inc. (OPHC) trades at 1.9x sales, its market capitalization divided by revenue of $58.8M revenue, trailing 12 months to June 30, 2026. The market capitalization is $111.3M as of Oct 6, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is OptimumBank Holdings, Inc.'s Piotroski F-Score?

OptimumBank Holdings, Inc. (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 Holdings, Inc.'s earnings high quality?

OptimumBank Holdings, Inc. (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 Holdings, Inc.?

OptimumBank Holdings, Inc. (OPHC) scores 63 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.