What is Optimumbank Hold's earnings per share (EPS)?

Optimumbank Hold (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 Hold Financials

OPHC

Source SEC Filings (10-K/10-Q) Updated Mar 31, 2026 Currency USD FYE December

This page shows Optimumbank Hold (OPHC) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 16 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 2026-05-12

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 from 0.8% to 1.5%, 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 $17.8M slightly exceeded net income. Because capital spending stayed below $1M, most of that cash remained available, implying the business is constrained more by balance-sheet capital than by fixed-asset reinvestment.

Balance-sheet resilience improved even without a major deleveraging event: retained earnings moved from -$16.0M in FY2023 to $13.8M in FY2025. Since debt-to-equity stayed in the 8x-10x range over that span, the stronger equity base came mainly from keeping profits, not from materially changing the leverage model.

Financial Health Signals

Financial Profile 36/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). 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.

Growth

Optimumbank Hold's revenue grew 7.9% year-over-year to $64.4M, a solid pace of expansion. This earns a growth score of 90/100.

Leverage

Optimumbank Hold has elevated debt relative to equity (D/E of 8.12), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

Optimumbank Hold converts 26.3% of revenue into free cash flow ($16.9M). This strong cash generation earns a score of 85/100.

Returns

Optimumbank Hold's ROE of 13.7% shows moderate profitability relative to equity, earning a score of 39/100. This is up from 12.7% the prior year.

Piotroski F-Score Neutral

5/9

Optimumbank Hold passes 5 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Cash-Backed

1.07x

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

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Earnings & Revenue

Revenue

$64.4M

YoY+7.9%

5Y CAGR+57.2%

10Y CAGR+30.4%

Optimumbank Hold generated $64.4M in revenue in fiscal year 2025. This represents an increase of 7.9% from the prior year.

EBITDA

N/A

Net Income

$16.6M

YoY+26.9%

Optimumbank Hold reported $16.6M in net income in fiscal year 2025. This represents an increase of 26.9% from the prior year.

EPS (Diluted)

$0.71

YoY+12.7%

Optimumbank Hold earned $0.71 per diluted share (EPS) in fiscal year 2025. This represents an increase of 12.7% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$16.9M

YoY+15.9%

10Y CAGR+39.6%

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.

Cash & Debt

N/A

Dividends Per Share

N/A

Shares Outstanding

12M

YoY-0.9%

5Y CAGR+29.2%

Optimumbank Hold had 12M shares outstanding in fiscal year 2025. This represents a decrease of 0.9% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

25.9%

YoY+3.9pp

5Y CAGR+37.5pp

10Y CAGR+29.5pp

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.

Return on Equity

13.7%

YoY+0.9pp

5Y CAGR+18.0pp

10Y CAGR+19.1pp

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.

Capital Allocation

R&D Spending

N/A

Share Buybacks

N/A

Capital Expenditures

$896K

YoY-9.3%

5Y CAGR+35.0%

10Y CAGR+43.6%

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.

OPHC Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$64.4M+7.9%	$59.6M+66.7%	$35.8M+80.0%	$19.9M+91.4%	$10.4M+54.8%	$6.7M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$14.8M+33.3%	$11.1M+34.4%	$8.3M+51.6%	$5.4M+49.2%	$3.7M+57.2%	$2.3M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$21.8M-12.7%	$24.9M+106.7%	$12.1M+198.2%	$4.0M+310.8%	$985K-42.7%	$1.7M
Income Tax	$5.5M+22.5%	$4.5M+107.3%	$2.2M+58.8%	$1.4M+142.4%	-$3.2M	N/A
Net Income	$16.6M+26.9%	$13.1M+108.9%	$6.3M+56.2%	$4.0M-36.1%	$6.3M+905.1%	-$782K
EPS (Diluted)	$0.71+12.7%	$0.63-27.6%	$0.87+27.9%	$0.68	N/A	N/A

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$19.5M+11.6%	$17.4M+6.8%	$16.3M+4.7%	$15.6M+3.9%	$15.0M-4.1%	$15.6M+2.0%	$15.3M+1.0%	$15.2M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$5.0M+35.8%	$3.7M-8.3%	$4.0M+7.1%	$3.7M+10.6%	$3.4M+57.6%	$2.1M-30.3%	$3.1M+1.6%	$3.0M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$6.3M+12.5%	$5.6M+5.6%	$5.3M-1.4%	$5.3M-4.2%	$5.6M-12.9%	$6.4M+0.5%	$6.4M-1.1%	$6.4M
Income Tax	$1.5M-4.3%	$1.6M+19.7%	$1.3M+6.9%	$1.3M-5.5%	$1.3M-2.4%	$1.4M+19.9%	$1.1M-3.0%	$1.2M
Net Income	$4.7M-3.9%	$4.9M+12.3%	$4.3M+20.0%	$3.6M-6.9%	$3.9M-2.0%	$3.9M+19.6%	$3.3M-5.5%	$3.5M
EPS (Diluted)	$0.20	N/A	$0.18-37.9%	$0.29+70.6%	$0.17	N/A	$0.15-55.9%	$0.34

OPHC Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$1.1B+19.2%	$932.9M+17.9%	$791.3M+35.2%	$585.2M+66.3%	$351.9M+49.7%	$235.1M
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	N/A	N/A	N/A	N/A	N/A	N/A
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$989.8M+19.3%	$829.7M+15.0%	$721.2M+38.0%	$522.6M+66.8%	$313.4M+44.2%	$217.3M
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$121.9M+18.1%	$103.2M+47.4%	$70.0M+11.9%	$62.6M+62.5%	$38.5M+115.9%	$17.8M
Retained Earnings	$13.8M+584.8%	-$2.8M+82.2%	-$16.0M+27.6%	-$22.1M+15.4%	-$26.1M+19.4%	-$32.4M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$1.3B+14.1%	$1.1B+2.6%	$1.1B+8.4%	$999.1M+2.2%	$977.5M+4.8%	$932.9M-1.3%	$945.2M+5.0%	$899.8M
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$1.1B+15.4%	$989.8M+2.4%	$966.2M+8.8%	$887.8M+2.1%	$869.5M+4.8%	$829.7M-2.7%	$852.5M+4.9%	$812.8M
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$126.8M+4.1%	$121.9M+4.3%	$116.9M+5.0%	$111.3M+3.1%	$108.0M+4.7%	$103.2M+11.3%	$92.7M+6.6%	$87.0M
Retained Earnings	$18.5M+33.8%	$13.8M+54.2%	$8.9M+93.5%	$4.6M+352.1%	$1.0M+135.9%	-$2.8M+58.1%	-$6.8M+32.7%	-$10.1M

OPHC Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$17.8M+14.3%	$15.6M+126.8%	$6.9M-33.6%	$10.4M+175.3%	$3.8M+358.1%	-$1.5M
Capital Expenditures	$896K-9.3%	$988K+47.9%	$668K+107.5%	$322K-15.5%	$381K+90.5%	$200K
Free Cash Flow	$16.9M+15.9%	$14.6M+135.2%	$6.2M-38.1%	$10.0M+196.8%	$3.4M+304.0%	-$1.7M
Investing Cash Flow	-$156.7M-24.9%	-$125.5M+37.2%	-$199.7M+13.1%	-$229.8M-111.3%	-$108.8M-73.3%	-$62.8M
Financing Cash Flow	$159.8M+26.0%	$126.8M-35.8%	$197.6M-14.9%	$232.3M+112.5%	$109.3M-0.5%	$109.9M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$7.9M+18.6%	$6.6M+246.4%	$1.9M-68.9%	$6.2M+96.4%	$3.1M-47.4%	$6.0M+48.6%	$4.0M+29.5%	$3.1M
Capital Expenditures	$439K+42.1%	$309K+5050.0%	$6K-98.0%	$298K+5.3%	$283K+29.8%	$218K+43.4%	$152K-57.7%	$359K
Free Cash Flow	$7.4M+17.5%	$6.3M+231.3%	$1.9M-67.4%	$5.9M+105.4%	$2.9M-50.3%	$5.7M+48.8%	$3.9M+40.9%	$2.7M
Investing Cash Flow	-$133.5M+10.6%	-$149.4M-411.9%	-$29.2M-280.0%	$16.2M+183.7%	$5.7M+121.0%	-$27.2M-62.3%	-$16.8M-178.4%	-$6.0M
Financing Cash Flow	$151.1M+578.8%	$22.3M-72.4%	$80.6M+406.1%	$15.9M-61.1%	$41.0M+345.6%	-$16.7M-141.4%	$40.3M+191.4%	-$44.1M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

OPHC Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	25.9%+3.9pp	22.0%+4.4pp	17.6%-2.7pp	20.2%-40.4pp	60.6%+72.3pp	-11.7%
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%
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%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	8.12+0.1	8.04-2.3	10.30+2.0	8.35+0.2	8.14-4.0	12.18
FCF Margin	26.3%+1.8pp	24.5%+7.1pp	17.4%-33.1pp	50.5%+17.9pp	32.6%+57.3pp	-24.7%

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	24.0%-3.9pp	27.8%+1.3pp	26.5%+3.4pp	23.1%-2.7pp	25.8%+0.5pp	25.3%+3.7pp	21.5%-1.5pp	23.0%
Return on Equity	3.7%-0.3pp	4.0%+0.3pp	3.7%+0.5pp	3.2%-0.3pp	3.6%-0.3pp	3.8%+0.3pp	3.6%-0.5pp	4.0%
Return on Assets	0.4%-0.1pp	0.4%+0.0pp	0.4%+0.0pp	0.4%-0.0pp	0.4%-0.0pp	0.4%+0.1pp	0.4%-0.0pp	0.4%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	9.00+0.9	8.12-0.1	8.27+0.3	7.97-0.1	8.050.0	8.04-1.2	9.20-0.1	9.35
FCF Margin	38.2%+1.9pp	36.3%+24.6pp	11.7%-25.9pp	37.6%+18.6pp	19.0%-17.7pp	36.7%+11.5pp	25.1%+7.1pp	18.0%

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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.

How many shares does Optimumbank Hold have outstanding?

Optimumbank Hold (OPHC) had 12M shares outstanding as of fiscal year 2025.

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 9, indicating neutral financial health. 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 36 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.