OptimumBank Holdings, Inc. (OPHC) Financial Statements
Industry: National Commercial Banks
In fiscal 2025, OptimumBank reported revenue of $49.4M, up 25.6% from $39.3M the year before. Net income was $16.6M (a 33.7% net margin), or $0.71 per diluted share. Net interest income was $42.6M, and the efficiency ratio (noninterest expense / revenue) was 51.0%. Operating activities generated $17.8M of cash, leaving $16.9M of free cash flow. At fiscal year end, OptimumBank held $1.11B in total assets against $989.8M in total liabilities.
Open the full interactive OptimumBank financials → Quarterly statements, key ratios, valuation history and price charts.
OptimumBank Key Stats
| Share Price | $8.79 |
|---|---|
| Market Cap | $208.3M |
| P/E Ratio | 12.4 |
| Revenue YoY Growth | +25.6% |
| 52-Week Range | $3.91 – $10.10 |
| Shares Outstanding | 12.2 million (basic, 2026 Q2) |
OptimumBank Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $5.0M | $9.4M | $15.8M | $23.7M | $34.7M | $42.6M |
| Provision for Credit Losses | $1.0M | $1.2M | $3.5M | $4.0M | $2.4M | $1.9M |
| Noninterest Income | $294,000 | $1.8M | $3.0M | $3.5M | $4.6M | $6.8M |
| Noninterest Expense | $5.0M | $6.9M | $9.9M | $14.7M | $19.5M | $25.2M |
| Revenue | $5.3M | $11.2M | $18.8M | $27.2M | $39.3M | $49.4M |
| Pre-Tax Income | -$782,000 | $3.1M | $5.4M | $8.5M | $17.6M | $22.2M |
| Income Tax | — | -$3.2M | $1.4M | $2.2M | $4.5M | $5.5M |
| Net Income | -$782,000 | $6.3M | $4.0M | $6.3M | $13.1M | $16.6M |
| Diluted EPS | -$0.27 | $1.61 | — | $0.87 | $1.33 | $0.71 |
OptimumBank Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $13.0M | $13.6M | $15.0M | $17.2M |
| Net Income | $4.3M | $4.9M | $4.7M | $6.7M |
| Diluted EPS | $0.18 | $0.41 | $0.20 | $0.28 |
OptimumBank Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Loans (Net) | $152.5M | $247.9M | $477.2M | — | — | — |
| Total Assets | $235.1M | $351.9M | $585.2M | $791.3M | $932.9M | $1.11B |
| Deposits | $190.8M | $292.5M | $507.9M | $639.6M | $772.2M | $931.8M |
| Total Long-Term Debt | $32.5M | $37.5M | $29.5M | $91.5M | $80.5M | $123.5M |
| Total Liabilities | $217.3M | $313.4M | $522.6M | $721.2M | $829.7M | $989.8M |
| Shareholders' Equity | $17.8M | $38.5M | $62.6M | $70.0M | $103.2M | $121.9M |
OptimumBank Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | -$1.5M | $3.8M | $10.4M | $6.9M | $15.6M | $17.8M |
| Cash From Investing | -$62.8M | -$108.8M | -$229.8M | -$199.7M | -$125.5M | -$156.7M |
| Cash From Financing | $109.9M | $109.3M | $232.3M | $197.6M | $126.8M | $159.8M |
| Free Cash Flow | -$1.7M | $3.4M | $10.0M | $6.2M | $14.6M | $16.9M |
Figures from OptimumBank's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full OptimumBank financials page for every line item.
OptimumBank Company Profile
| Ticker | OPHC |
|---|---|
| Exchange | NYSE |
| Industry | National Commercial Banks |
| Headquarters | Fort Lauderdale, Florida |
| Incorporated in | Florida |
| Fiscal Year End | December 31 |
| SEC Filer Category | Non-accelerated filer, smaller reporting company |
| SEC CIK | 0001288855 |
Frequently Asked Questions
What was OptimumBank's revenue in fiscal 2025?
OptimumBank (OPHC) reported revenue of $49.4M for fiscal 2025.
What is OptimumBank's annual revenue history?
OptimumBank's annual revenue by fiscal year: 2020: $5.3M; 2021: $11.2M; 2022: $18.8M; 2023: $27.2M; 2024: $39.3M; 2025: $49.4M.
What was OptimumBank's net income in fiscal 2025?
OptimumBank reported net income of $16.6M for fiscal 2025.
What was OptimumBank's earnings per share (EPS) in fiscal 2025?
OptimumBank's diluted EPS was $0.71 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did OptimumBank generate in fiscal 2025?
OptimumBank generated $16.9M of free cash flow in fiscal 2025.
What was OptimumBank's revenue last quarter?
In its most recent reported quarter (2026 Q2), OptimumBank reported revenue of $17.2M.
How much debt does OptimumBank have?
OptimumBank reported $123.5M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of OptimumBank are outstanding?
OptimumBank reported a weighted average of 12.2 million basic shares outstanding in 2026 Q2.
What is OptimumBank's market cap?
Based on its latest closing price, OptimumBank (OPHC) has a market capitalization of about $208.3M.
When does OptimumBank's fiscal year end?
OptimumBank's fiscal year end, as registered with the SEC, is December 31.
Where is OptimumBank headquartered?
OptimumBank lists its business address in Fort Lauderdale, Florida in its SEC filings.