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OptimumBank (OPHC) Financials

OptimumBank logo
$8.79 -0.21 (-2.33%)
Closing price 04:00 PM Eastern
Extended Trading
$8.80 +0.01 (+0.11%)
As of 07:34 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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Annual Income Statements for OptimumBank

Annual Income Statements for OptimumBank

This table shows OptimumBank's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 -0.16 -0.40 -0.59 0.80 -1.10 -0.78 6.30 4.02 6.28 13 17
Consolidated Net Income / (Loss)		 -0.16 -0.40 -0.59 0.80 -1.10 -0.78 6.30 4.02 6.28 13 17
Net Income / (Loss) Continuing Operations		 -0.16 -0.40 -0.59 0.80 -1.10 -0.78 6.30 4.02 6.28 13 17
Total Pre-Tax Income 		-0.48 -0.40 -0.59 0.80 -1.15 -0.78 3.07 5.39 8.46 18 22
Total Revenue		 4.06 3.54 3.57 3.13 3.31 5.28 11 19 27 39 49
Net Interest Income / (Expense)		 3.65 3.69 3.52 3.05 3.13 4.99 9.40 16 24 35 43
Total Interest Income		 4.53 4.76 4.72 4.29 5.17 6.71 10 20 36 60 64
Loans and Leases Interest Income		 3.87 4.20 4.13 3.91 4.69 6.41 9.76 18 32 52 57
Investment Securities Interest Income		 0.60 0.46 0.37 0.23 0.25 0.19 0.49 0.65 0.69 0.65 0.64
Other Interest Income		 0.07 0.11 0.22 0.15 0.24 0.11 0.15 1.28 3.34 6.93 6.57
Total Interest Expense		 0.88 1.08 1.20 1.25 2.05 1.72 0.99 4.05 12 25 22
Deposits Interest Expense		 0.65 0.73 0.67 0.51 1.50 1.28 0.65 3.23 12 23 21
Long-Term Debt Interest Expense		 0.24 0.35 0.52 0.74 0.54 0.44 0.33 0.81 0.47 1.98 0.33
Total Non-Interest Income		 0.41 -0.14 0.05 0.08 0.18 0.29 1.77 2.96 3.45 4.62 6.77
Other Service Charges		 0.35 0.04 0.04 0.08 0.18 0.29 1.43 2.96 3.45 4.62 6.77
Provision for Credit Losses		 0.00 0.00 0.00 -1.75 -0.08 1.02 1.17 3.47 4.05 2.22 2.04
Total Non-Interest Expense		 4.55 3.94 4.16 4.09 4.54 5.05 6.94 9.94 15 19 25
Salaries and Employee Benefits		 1.90 1.77 1.77 1.86 2.02 2.32 3.65 5.45 8.26 11 15
Net Occupancy & Equipment Expense		 0.77 0.83 0.76 0.84 1.19 1.12 1.42 1.94 2.47 3.16 3.97
Other Operating Expenses		 1.87 1.34 1.63 1.38 1.33 1.61 1.87 2.55 3.93 5.20 6.39
Income Tax Expense		 -0.32 0.00 - 0.00 -0.05 0.00 -3.23 1.37 2.17 4.51 5.52
Basic Earnings per Share		 ($0.17) ($0.38) ($0.53) $0.53 ($0.58) ($0.27) $1.61 $0.68 $0.87 $1.39 $1.42
Weighted Average Basic Shares Outstanding		 962.89K 1.10M 1.29M 1.86M 2.86M 3.20M 4.90M 7.25M 7.87M 11.75M 12.17M
Diluted Earnings per Share		 ($0.17) ($0.38) ($0.53) $0.53 ($0.58) ($0.27) - $0.68 $0.87 $0.63 $0.71
Weighted Average Diluted Shares Outstanding		 962.89K 1.10M 1.29M 1.86M 2.86M 3.20M 4.90M 7.25M 7.87M 11.75M 12.17M
Weighted Average Basic & Diluted Shares Outstanding		 962.89K 1.10M 1.29M 1.86M 2.86M 3.20M 4.90M 7.25M 7.87M 11.75M 12.17M

Quarterly Income Statements for OptimumBank

This table shows OptimumBank's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 1.27 2.55 2.38 3.50 3.30 3.95 3.87 3.60 4.32 4.85 4.66
Consolidated Net Income / (Loss)		 1.27 2.55 2.38 3.50 3.30 3.95 3.87 3.60 4.32 4.85 4.66
Net Income / (Loss) Continuing Operations		 1.27 2.55 2.38 3.50 3.30 3.95 3.87 3.60 4.32 4.85 4.66
Total Pre-Tax Income 		1.73 3.43 3.22 4.66 4.44 5.31 5.20 4.86 5.66 6.46 6.20
Total Revenue		 6.83 8.19 8.99 9.94 10 10 11 12 13 14 15
Net Interest Income / (Expense)		 5.91 7.15 7.75 8.74 8.96 9.24 9.43 10 11 12 13
Total Interest Income		 8.90 11 13 15 15 16 15 16 16 17 19
Loans and Leases Interest Income		 8.00 9.92 12 13 14 14 14 14 14 15 18
Investment Securities Interest Income		 0.17 0.17 0.17 0.17 0.16 0.15 0.16 0.16 0.15 0.16 0.19
Other Interest Income		 0.74 1.09 1.46 2.08 1.58 1.81 1.25 1.40 2.09 1.84 1.15
Total Interest Expense		 2.99 4.04 5.71 6.45 6.37 6.41 5.58 5.35 5.27 5.57 6.26
Deposits Interest Expense		 2.84 3.77 5.08 5.92 5.96 6.01 5.28 5.32 5.27 5.56 6.18
Long-Term Debt Interest Expense		 0.15 0.27 0.64 0.53 0.41 0.40 0.30 0.02 0.00 0.01 0.09
Total Non-Interest Income		 0.91 1.04 1.24 1.20 1.12 1.07 1.23 1.83 1.98 1.73 1.78
Other Service Charges		 0.91 1.04 1.24 1.20 1.12 1.07 1.23 1.83 1.98 1.73 1.78
Provision for Credit Losses		 1.45 1.08 1.06 0.20 0.36 0.61 -0.17 1.04 0.76 0.40 0.77
Total Non-Interest Expense		 3.65 3.69 4.71 5.08 5.29 4.38 5.63 6.18 6.60 6.74 8.01
Salaries and Employee Benefits		 2.14 2.11 2.85 3.03 3.08 2.15 3.38 3.74 4.00 3.67 4.99
Net Occupancy & Equipment Expense		 0.66 0.69 0.76 0.78 0.81 0.81 0.82 0.92 1.12 1.12 1.25
Other Operating Expenses		 0.85 0.89 1.10 1.28 1.40 1.42 1.43 1.52 1.49 1.95 1.77
Other Special Charges		 - - - - - - 0.00 - - - -0.01
Income Tax Expense		 0.46 0.88 0.85 1.17 1.13 1.36 1.33 1.25 1.34 1.60 1.54
Basic Earnings per Share		 $0.18 $0.35 $0.31 $0.36 $0.34 $0.38 $0.33 $0.31 $0.37 $0.41 $0.39
Weighted Average Basic Shares Outstanding		 7.25M 7.87M 9.63M 9.68M 10.09M 11.75M 11.75M 11.75M 11.53M 12.17M 12.27M
Diluted Earnings per Share		 $0.18 $0.35 $0.31 $0.34 $0.15 ($0.17) $0.17 $0.29 $0.18 $0.07 $0.20
Weighted Average Diluted Shares Outstanding		 7.25M 7.87M 9.63M 9.68M 10.09M 11.75M 11.75M 11.75M 11.53M 12.17M 12.27M
Weighted Average Basic & Diluted Shares Outstanding		 7.25M 7.87M 9.63M 9.68M 10.09M 11.75M 11.75M 11.75M 11.53M 12.17M 12.27M

Annual Cash Flow Statements for OptimumBank

This table details how cash moves in and out of OptimumBank's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 -1.71 7.28 -5.98 -3.68 0.95 46 4.34 13 4.83 17 21
Net Cash From Operating Activities		 0.63 0.90 0.57 0.02 -0.56 -1.46 3.76 10 6.88 16 18
Net Cash From Continuing Operating Activities		 0.63 0.55 0.57 0.02 -0.56 -1.46 3.76 10 6.88 16 18
Net Income / (Loss) Continuing Operations		 -0.16 -0.40 -0.59 0.80 -1.10 -0.78 6.30 4.02 6.28 13 17
Consolidated Net Income / (Loss)		 -0.16 -0.40 -0.59 0.80 -1.10 -0.78 6.30 4.02 6.28 13 17
Provision For Loan Losses		 0.26 - 0.00 -1.75 -0.08 1.02 1.17 3.47 4.05 2.22 2.04
Depreciation Expense		 0.16 0.16 0.15 0.16 0.17 0.18 0.21 0.23 0.23 0.30 0.47
Amortization Expense		 0.54 0.32 0.21 0.24 0.29 0.11 -0.68 -0.27 0.33 0.24 -0.17
Non-Cash Adjustments to Reconcile Net Income		 0.13 0.19 0.01 0.00 0.42 0.23 -3.37 2.08 1.31 0.50 0.88
Changes in Operating Assets and Liabilities, net		 -0.30 0.28 0.79 0.59 -0.26 -2.21 0.13 0.83 -5.32 -0.78 -2.03
Net Cash From Investing Activities		 -5.70 14 17 -6.02 -25 -63 -109 -230 -200 -125 -157
Net Cash From Continuing Investing Activities		 -5.70 14 -0.12 -6.02 -25 -63 -109 -230 -200 -125 -157
Purchase of Property, Leasehold Improvements and Equipment		 -0.06 -0.10 - - -0.51 -0.20 -0.38 -0.32 -0.67 -0.99 -0.90
Purchase of Investment Securities		 -20 -28 -0.13 -0.39 -4.16 -16 -20 0.19 -2.75 0.43 -2.45
Sale and/or Maturity of Investments		 14 42 8.64 1.72 2.98 4.92 5.62 2.64 1.61 1.30 1.30
Other Investing Activities, net		 - - 8.80 -7.35 -24 -52 -96 -232 -198 -126 -155
Net Cash From Financing Activities		 3.37 -7.64 -24 2.31 27 110 109 232 198 127 160
Net Cash From Continuing Financing Activities		 3.37 -7.64 -18 2.31 27 110 109 232 198 127 160
Net Change in Deposits		 5.97 -12 -21 -2.87 39 89 102 215 132 133 160
Issuance of Debt		 - 3.50 0.00 4.66 - 10 - 0.00 - - 0.00
Issuance of Preferred Equity		 0.10 0.08 - - 0.00 10 3.64 15 0.00 1.93 0.00
Issuance of Common Equity		 0.03 0.38 0.03 0.53 0.00 0.54 9.00 9.87 0.32 18 0.22
Repayment of Debt		 -2.74 - -3.00 - -12 - -5.00 -8.00 52 -12 0.00
Cash Interest Paid		 0.72 0.87 0.98 0.93 1.76 2.68 1.04 3.93 12 26 22
Cash Income Taxes Paid		 - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1.07 2.24 6.86

Quarterly Cash Flow Statements for OptimumBank

This table details how cash moves in and out of OptimumBank's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 26 -27 74 -47 28 -38 50 38 53 -121 25
Net Cash From Operating Activities		 1.21 0.34 2.54 3.10 4.01 5.96 3.14 6.16 1.92 6.63 7.87
Net Cash From Continuing Operating Activities		 1.21 0.34 2.54 3.10 4.01 5.96 3.14 6.16 1.92 6.63 7.87
Net Income / (Loss) Continuing Operations		 1.27 2.55 2.38 3.50 3.30 3.95 3.87 3.60 4.32 4.85 4.66
Consolidated Net Income / (Loss)		 1.27 2.55 2.38 3.50 3.30 3.95 3.87 3.60 4.32 4.85 4.66
Provision For Loan Losses		 1.45 1.08 1.06 0.20 0.36 0.61 -0.17 1.04 0.76 0.40 0.77
Depreciation Expense		 0.06 0.06 0.06 0.06 0.09 0.09 0.10 0.12 0.12 0.13 0.13
Amortization Expense		 0.06 0.12 0.01 0.08 -0.13 0.28 0.03 0.03 0.14 -0.37 0.04
Non-Cash Adjustments to Reconcile Net Income		 0.12 -0.04 0.23 0.20 -0.09 0.16 0.38 -0.27 0.23 0.55 0.47
Changes in Operating Assets and Liabilities, net		 -1.75 -3.43 -1.19 -0.94 0.48 0.87 -1.08 1.64 -3.67 1.08 1.80
Net Cash From Investing Activities		 -56 -101 -75 -6.03 -17 -27 5.72 16 -29 -149 -134
Net Cash From Continuing Investing Activities		 -56 -101 -75 -6.03 -17 -27 5.72 16 -29 -149 -134
Purchase of Property, Leasehold Improvements and Equipment		 -0.15 -0.18 -0.26 -0.36 -0.15 -0.22 -0.28 -0.30 -0.01 -0.31 -0.44
Purchase of Investment Securities		 -0.17 -2.47 - - 0.24 -0.48 0.00 2.27 - -4.72 -2.34
Sale and/or Maturity of Investments		 0.42 0.49 1.16 -0.56 0.32 0.38 2.07 -1.50 0.33 0.39 1.19
Other Investing Activities, net		 -56 -99 -76 -5.77 -17 -27 3.93 16 -30 -145 -132
Net Cash From Financing Activities		 80 73 147 -44 40 -17 41 16 81 22 151
Net Cash From Continuing Financing Activities		 80 73 147 -44 40 -17 41 16 81 22 151
Net Change in Deposits		 67 21 159 -36 44 -34 81 26 81 -28 161
Issuance of Preferred Equity		 - - 1.93 - - - 0.00 - - - -0.00
Issuance of Common Equity		 - - 8.80 - 1.46 7.63 0.24 -0.01 -0.01 - -0.01
Repayment of Debt		 - 52 -22 5.00 -5.00 10 -40 -10 - 50 -10
Cash Interest Paid		 3.10 3.91 5.88 6.61 6.06 7.89 4.80 4.51 7.77 4.66 5.11
Cash Income Taxes Paid		 0.06 0.61 0.45 1.56 1.13 -0.91 0.48 1.95 1.48 2.95 0.00

Annual Balance Sheets for OptimumBank

This table presents OptimumBank's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 127 120 96 99 127 235 352 585 791 933 1,112
Cash and Due from Banks		 10 18 1.22 1.93 2.11 26 14 20 14 14 9.35
Interest Bearing Deposits at Other Banks		 0.20 0.08 10 6.05 6.82 29 45 52 63 80 105
Trading Account Securities		 26 20 11 9.50 11 22 35 26 25 23 25
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 477 671 795 947
Premises and Equipment, Net		 2.70 2.65 2.59 2.67 1.39 1.41 0.84 0.93 1.38 2.06 2.49
Other Assets		 6.09 2.19 1.95 2.10 2.98 4.31 8.73 9.59 17 19 21
Total Liabilities & Shareholders' Equity		 127 120 96 99 127 235 352 585 791 933 1,112
Total Liabilities		 125 117 93 94 120 217 313 523 721 830 990
Non-Interest Bearing Deposits		 9.48 7.21 13 9.64 11 58 124 159 195 212 267
Interest Bearing Deposits		 88 79 53 53 91 132 168 349 445 560 665
Long-Term Debt		 25 29 26 29 13 23 18 10 62 50 50
Other Long-Term Liabilities		 1.53 1.66 2.42 2.15 2.59 1.45 2.91 4.74 20 7.55 8.03
Commitments & Contingencies		 - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 2.97 3.08 2.55 5.31 7.21 18 39 63 70 103 122
Total Preferred & Common Equity		 2.97 3.08 2.55 5.31 7.21 18 39 63 70 103 122
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 2.97 3.08 2.55 5.31 7.21 18 39 63 70 103 122
Common Stock		 33 34 34 36 39 50 65 90 91 112 113
Retained Earnings		 -30 -31 -31 -31 -32 -32 -26 -22 -16 -2.85 14
Accumulated Other Comprehensive Income / (Loss)		 -0.14 -0.25 -0.25 -0.33 -0.21 -0.07 -0.64 -5.83 -5.32 -5.57 -4.60

Quarterly Balance Sheets for OptimumBank

This table presents OptimumBank's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 713 941 900 945 977 999 1,083 1,269
Cash and Due from Banks		 9.56 14 12 15 14 8.83 9.27 15
Interest Bearing Deposits at Other Banks		 94 137 92 116 130 173 226 125
Trading Account Securities		 23 24 24 25 23 23 23 27
Loans and Leases, Net of Allowance		 0.00 746 752 769 791 775 803 1,079
Premises and Equipment, Net		 1.25 1.58 1.88 1.94 2.25 2.43 2.31 2.80
Other Assets		 11 18 18 18 17 18 20 20
Total Liabilities & Shareholders' Equity		 713 941 900 945 977 999 1,083 1,269
Total Liabilities		 647 858 813 852 869 888 966 1,142
Non-Interest Bearing Deposits		 212 218 231 202 236 260 314 305
Interest Bearing Deposits		 407 580 532 604 617 619 646 788
Long-Term Debt		 10 40 45 40 10 0.00 0.00 40
Other Long-Term Liabilities		 19 19 5.16 5.99 6.53 8.91 6.67 9.00
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 66 83 87 93 108 111 117 127
Total Preferred & Common Equity		 66 83 87 93 108 111 117 127
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 66 83 87 93 108 111 117 127
Common Stock		 91 102 103 104 112 112 113 113
Retained Earnings		 -19 -14 -10 -6.80 1.02 4.63 8.95 18
Accumulated Other Comprehensive Income / (Loss)		 -6.52 -5.70 -5.45 -4.49 -5.15 -5.41 -4.75 -4.73

Annual Metrics And Ratios for OptimumBank

This table displays calculated financial ratios and metrics derived from OptimumBank's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 9,593,859.00 1,099,826.00 1,103,447.00 1,813,670.00 1,928,776.00 2,951,353.00 4,730,709.00 6,768,509.00 7,250,219.00 10,090,038.00 11,533,943.00
DEI Adjusted Shares Outstanding		 959,386.00 1,099,826.00 1,103,447.00 1,813,670.00 1,928,776.00 2,951,353.00 4,730,709.00 6,768,509.00 7,250,219.00 10,090,038.00 11,533,943.00
DEI Earnings Per Adjusted Shares Outstanding		 -0.17 -0.36 -0.53 0.44 -0.57 -0.27 1.33 0.59 0.87 1.30 1.44
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -19.61% -12.83% 0.88% -12.37% 5.75% 59.64% 111.54% 68.15% 44.53% 44.72% 25.56%
EBITDA Growth		 -89.90% -60.75% -372.62% 620.52% -157.63% 28.38% 628.25% 105.93% 68.40% 101.61% 23.66%
EBIT Growth		 -130.09% 18.01% -48.74% 235.14% -244.72% 32.12% 492.46% 75.69% 56.84% 108.48% 25.75%
NOPAT Growth		 -121.07% 18.01% -48.74% 293.06% -201.31% 32.12% 1,250.16% -36.10% 56.18% 108.88% 26.85%
Net Income Growth		 -110.16% -142.94% -48.74% 235.14% -238.19% 28.91% 905.12% -36.10% 56.18% 108.88% 26.85%
EPS Growth		 -110.16% -123.53% -39.47% 200.00% -209.43% 53.45% 0.00% 0.00% 27.94% -27.59% 12.70%
Operating Cash Flow Growth		 -51.88% 43.38% -36.60% -95.79% -2,425.00% -161.29% 358.09% 175.31% -33.57% 126.75% 14.33%
Free Cash Flow Firm Growth		 251.82% -261.20% 180.28% -289.87% 334.59% -252.18% 55.70% -28.43% -341.14% 84.85% 74.36%
Invested Capital Growth		 -8.91% 12.85% -11.14% 23.85% -42.15% 102.08% 38.39% 28.44% 81.88% 16.04% 12.22%
Revenue Q/Q Growth		 5.62% -9.58% 10.76% 23.47% -16.18% 14.05% 24.32% 9.53% 11.41% 5.69% 7.15%
EBITDA Q/Q Growth		 7.54% 187.50% -249.67% 451.62% 22.81% 53.10% 40.79% 14.48% 23.74% 12.91% 2.43%
EBIT Q/Q Growth		 -10.02% -14.45% 2.48% 244.99% 14.03% 43.94% 47.69% 15.36% 18.95% 11.96% 5.47%
NOPAT Q/Q Growth		 -10.02% -14.45% 2.48% -48.68% 33.45% 43.94% 202.98% -43.02% 18.91% 11.94% 5.74%
Net Income Q/Q Growth		 -36.97% -16.13% 1.01% -48.21% 34.48% 43.94% 202.98% -43.02% 18.91% 11.94% 5.74%
EPS Q/Q Growth		 -36.97% -22.58% 3.64% -38.37% 36.26% 48.08% 0.00% 0.00% 0.00% -45.22% 51.06%
Operating Cash Flow Q/Q Growth		 -10.04% 602.34% -48.09% -94.41% 61.89% 3.44% 569.57% -1.70% -32.21% 56.25% 3.94%
Free Cash Flow Firm Q/Q Growth		 -61.85% 20.27% 1,077.87% 22.62% 4.29% -43.91% 24.42% 80.24% -210.17% 81.99% -106.55%
Invested Capital Q/Q Growth		 15.57% 9.54% -0.30% -6.86% -11.94% 11.31% 10.43% -39.11% 73.12% 15.44% 47.06%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 5.27% 2.37% -6.41% 38.08% -20.76% -9.31% 23.25% 28.47% 33.18% 46.22% 45.52%
EBIT Margin		 -11.89% -11.18% -16.49% 25.43% -34.80% -14.80% 27.46% 28.69% 31.13% 44.85% 44.92%
Profit (Net Income) Margin		 -4.01% -11.18% -16.49% 25.43% -33.23% -14.80% 56.32% 21.40% 23.13% 33.38% 33.73%
Tax Burden Percent		 33.75% 100.00% 100.00% 100.00% 95.49% 100.00% 205.15% 74.61% 74.29% 74.44% 75.09%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% -105.15% 25.39% 25.71% 25.56% 24.91%
Return on Invested Capital (ROIC)		 -1.15% -0.93% -1.38% 2.52% -2.93% -1.79% 12.94% 6.23% 6.14% 9.20% 10.24%
ROIC Less NNEP Spread (ROIC-NNEP)		 -0.49% -1.37% -2.03% 2.52% -4.30% -3.10% 12.94% 6.23% 6.14% 9.20% 10.24%
Return on Net Nonoperating Assets (RNNOA)		 -4.34% -12.17% -19.56% 17.76% -14.66% -4.45% 9.41% 1.73% 3.34% 5.95% 4.55%
Return on Equity (ROE)		 -5.48% -13.10% -20.94% 20.28% -17.58% -6.25% 22.35% 7.96% 9.48% 15.16% 14.79%
Cash Return on Invested Capital (CROIC)		 8.18% -13.00% 10.42% -18.79% 50.47% -69.38% -19.27% -18.66% -51.95% -5.65% -1.27%
Operating Return on Assets (OROA)		 -0.38% -0.32% -0.55% 0.82% -1.02% -0.43% 1.05% 1.15% 1.23% 2.05% 2.17%
Return on Assets (ROA)		 -0.13% -0.32% -0.55% 0.82% -0.97% -0.43% 2.15% 0.86% 0.91% 1.52% 1.63%
Return on Common Equity (ROCE)		 -5.48% -13.10% -20.94% 20.28% -17.58% -6.25% 22.35% 7.96% 9.48% 15.16% 14.79%
Return on Equity Simple (ROE_SIMPLE)		 -5.49% -12.85% -23.14% 15.00% -15.26% -4.38% 16.35% 6.43% 8.97% 12.72% 13.66%
Net Operating Profit after Tax (NOPAT)		 -0.34 -0.28 -0.41 0.80 -0.81 -0.55 6.30 4.02 6.28 13 17
NOPAT Margin		 -8.32% -7.83% -11.54% 25.43% -24.36% -10.36% 56.32% 21.40% 23.13% 33.38% 33.73%
Net Nonoperating Expense Percent (NNEP)		 -0.66% 0.44% 0.65% 0.00% 1.38% 1.30% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 65.88% 73.48% 70.74% 86.52% 97.13% 65.10% 45.34% 39.33% 39.51% 36.27% 38.02%
Operating Expenses to Revenue		 111.89% 111.18% 116.49% 130.61% 137.19% 95.50% 62.05% 52.87% 53.97% 49.50% 50.96%
Earnings before Interest and Taxes (EBIT)		 -0.48 -0.40 -0.59 0.80 -1.15 -0.78 3.07 5.39 8.46 18 22
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 0.21 0.08 -0.23 1.19 -0.69 -0.49 2.60 5.35 9.01 18 22
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.20 1.35 2.04 1.03 0.74 0.56 0.48 0.44 0.43 0.47 0.40
Price to Tangible Book Value (P/TBV)		 1.20 1.35 2.04 1.03 0.74 0.56 0.48 0.44 0.43 0.47 0.40
Price to Revenue (P/Rev)		 0.88 1.17 1.45 1.74 1.61 1.88 1.66 1.47 1.12 1.22 0.99
Price to Earnings (P/E)		 0.00 0.00 0.00 6.84 0.00 0.00 2.95 6.88 4.83 3.66 2.94
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Earnings Yield		 0.00% 0.00% 0.00% 14.63% 0.00% 0.00% 33.86% 14.53% 20.72% 27.33% 33.96%
Enterprise Value to Invested Capital (EV/IC)		 0.65 0.48 0.68 0.78 0.47 0.00 0.00 0.00 0.12 0.03 0.00
Enterprise Value to Revenue (EV/Rev)		 4.52 4.28 5.37 8.65 2.84 0.00 0.00 0.00 0.58 0.11 0.00
Enterprise Value to EBITDA (EV/EBITDA)		 85.79 180.62 0.00 22.72 0.00 0.00 0.00 0.00 1.74 0.24 0.00
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 0.00 34.02 0.00 0.00 0.00 0.00 1.85 0.25 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 0.00 34.02 0.00 0.00 0.00 0.00 2.49 0.34 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 29.28 16.88 33.64 1,128.29 0.00 0.00 0.00 0.00 2.27 0.28 0.00
Enterprise Value to Free Cash Flow (EV/FCFF)		 7.61 0.00 6.14 0.00 0.68 0.00 0.00 0.00 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 8.48 9.30 10.08 5.58 1.80 1.29 0.47 0.16 0.89 0.48 0.41
Long-Term Debt to Equity		 8.48 9.30 10.08 5.48 1.80 1.29 0.47 0.16 0.89 0.48 0.41
Financial Leverage		 8.92 8.90 9.65 7.04 3.41 1.44 0.73 0.28 0.54 0.65 0.44
Leverage Ratio		 42.38 40.87 38.32 24.88 18.08 14.45 10.42 9.27 10.38 9.96 9.08
Compound Leverage Factor		 42.38 40.87 38.32 24.88 18.08 14.45 10.42 9.27 10.38 9.96 9.08
Debt to Total Capital		 89.45% 90.29% 90.98% 84.81% 64.33% 56.33% 31.85% 13.78% 46.97% 32.64% 29.09%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 1.60% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 89.45% 90.29% 90.98% 83.21% 64.33% 56.33% 31.85% 13.78% 46.97% 32.64% 29.09%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 10.55% 9.71% 9.02% 15.19% 35.67% 43.67% 68.15% 86.22% 53.03% 67.36% 70.91%
Debt to EBITDA		 117.55 341.13 -112.03 24.85 -18.92 -46.75 6.93 1.87 6.88 2.75 2.23
Net Debt to EBITDA		 69.11 131.13 -61.09 18.15 -5.92 64.29 -15.76 -11.55 -1.63 -2.40 -2.87
Long-Term Debt to EBITDA		 117.55 341.13 -112.03 24.38 -18.92 -46.75 6.93 1.87 6.88 2.75 2.23
Debt to NOPAT		 -74.40 -103.37 -62.22 37.21 -16.12 -42.02 2.86 2.49 9.87 3.81 3.00
Net Debt to NOPAT		 -43.74 -39.74 -33.93 27.18 -5.04 57.78 -6.51 -15.37 -2.33 -3.32 -3.88
Long-Term Debt to NOPAT		 -74.40 -103.37 -62.22 36.51 -16.12 -42.02 2.86 2.49 9.87 3.81 3.00
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 2.41 -3.89 3.12 -5.93 14 -21 -9.38 -12 -53 -8.05 -2.07
Operating Cash Flow to CapEx		 995.24% 890.10% 0.00% 0.00% -350.94% -729.00% 0.00% 3,217.39% 1,030.24% 1,579.45% 1,991.18%
Free Cash Flow to Firm to Interest Expense		 2.73 -3.61 2.61 -4.76 6.80 -12.31 -9.52 -2.98 -4.40 -0.32 -0.09
Operating Cash Flow to Interest Expense		 0.71 0.83 0.48 0.02 -0.27 -0.85 3.82 2.56 0.57 0.63 0.82
Operating Cash Flow Less CapEx to Interest Expense		 0.64 0.74 0.56 0.02 -0.35 -0.96 4.53 2.48 0.52 0.59 0.78
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.03 0.03 0.03 0.03 0.03 0.03 0.04 0.04 0.04 0.05 0.05
Fixed Asset Turnover		 1.47 1.32 1.36 1.19 1.63 3.77 9.91 21.15 23.53 22.88 21.69
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 28 32 28 35 20 41 57 73 132 153 172
Invested Capital Turnover		 0.14 0.12 0.12 0.10 0.12 0.17 0.23 0.29 0.27 0.28 0.30
Increase / (Decrease) in Invested Capital		 -2.75 3.61 -3.54 6.73 -15 21 16 16 59 21 19
Enterprise Value (EV)		 18 15 19 27 9.41 -22 -22 -34 16 4.40 -16
Market Capitalization		 3.57 4.16 5.19 5.44 5.34 9.95 19 28 30 48 49
Book Value per Share		 $0.31 $2.80 $2.31 $2.93 $3.74 $6.04 $8.14 $9.25 $9.66 $10.23 $10.57
Tangible Book Value per Share		 $0.31 $2.80 $2.31 $2.93 $3.74 $6.04 $8.14 $9.25 $9.66 $10.23 $10.57
Total Capital		 28 32 28 35 20 41 57 73 132 153 172
Total Debt		 25 29 26 30 13 23 18 10 62 50 50
Total Long-Term Debt		 25 29 26 29 13 23 18 10 62 50 50
Net Debt		 15 11 14 22 4.07 -32 -41 -62 -15 -44 -65
Capital Expenditures (CapEx)		 0.06 0.10 -0.09 0.00 0.16 0.20 -0.70 0.32 0.67 0.99 0.90
Net Nonoperating Expense (NNE)		 -0.18 0.12 0.18 0.00 0.29 0.23 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 25 29 26 30 13 23 18 10 62 50 50
Total Depreciation and Amortization (D&A)		 0.70 0.48 0.36 0.40 0.47 0.29 -0.47 -0.04 0.56 0.54 0.30
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 ($0.17) ($0.38) ($0.53) $0.53 ($0.58) ($0.27) $1.61 $0.68 $0.87 $1.39 $1.42
Adjusted Weighted Average Basic Shares Outstanding		 962.89K 1.10M 1.29M 1.86M 2.86M 3.20M 4.90M 7.25M 7.87M 11.75M 12.17M
Adjusted Diluted Earnings per Share		 ($0.17) ($0.38) ($0.53) $0.53 ($0.58) ($0.27) $1.61 $0.00 $0.87 $1.33 $0.71
Adjusted Weighted Average Diluted Shares Outstanding		 962.89K 1.10M 1.29M 1.86M 2.86M 3.20M 4.90M 7.25M 7.87M 11.75M 12.17M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.53 ($0.58) ($0.27) $1.61 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 962.89K 1.10M 1.29M 1.86M 2.86M 3.20M 4.90M 7.25M 7.87M 11.75M 12.17M
Normalized Net Operating Profit after Tax (NOPAT)		 -0.34 -0.28 -0.41 0.56 -0.81 -0.55 2.15 4.02 6.28 13 17
Normalized NOPAT Margin		 -8.32% -7.83% -11.54% 17.80% -24.36% -10.36% 19.22% 21.40% 23.13% 33.38% 33.73%
Pre Tax Income Margin		 -11.89% -11.18% -16.49% 25.43% -34.80% -14.80% 27.46% 28.69% 31.13% 44.85% 44.92%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 -0.55 -0.37 -0.49 0.64 -0.56 -0.45 3.12 1.33 0.70 0.71 1.02
NOPAT to Interest Expense		 -0.38 -0.26 -0.34 0.64 -0.39 -0.32 6.39 0.99 0.52 0.53 0.76
EBIT Less CapEx to Interest Expense		 -0.62 -0.46 -0.41 0.64 -0.64 -0.57 3.83 1.25 0.65 0.67 0.98
NOPAT Less CapEx to Interest Expense		 -0.45 -0.35 -0.27 0.64 -0.47 -0.43 7.10 0.91 0.47 0.49 0.72
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Augmented Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%

Quarterly Metrics And Ratios for OptimumBank

This table displays calculated financial ratios and metrics derived from OptimumBank's official financial filings.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 7,250,219.00 7,250,219.00 7,867,386.00 9,634,821.00 9,677,431.00 10,090,038.00 11,751,082.00 11,751,082.00 11,751,082.00 11,533,943.00 12,166,437.00
DEI Adjusted Shares Outstanding		 7,250,219.00 7,250,219.00 7,867,386.00 9,634,821.00 9,677,431.00 10,090,038.00 11,751,082.00 11,751,082.00 11,751,082.00 11,533,943.00 12,166,437.00
DEI Earnings Per Adjusted Shares Outstanding		 0.18 0.35 0.30 0.36 0.34 0.39 0.33 0.31 0.37 0.42 0.38
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 36.58% 51.49% 55.32% 56.24% 47.65% 25.83% 18.54% 21.45% 29.30% 31.98% 40.51%
EBITDA Growth		 86.77% 92.41% 96.12% 154.56% 138.02% 57.69% 62.00% 4.14% 34.74% 9.41% 19.64%
EBIT Growth		 91.36% 64.82% 108.54% 165.30% 156.66% 54.98% 61.17% 4.10% 27.69% 21.65% 19.28%
NOPAT Growth		 88.56% 64.45% 106.16% 166.46% 160.20% 54.92% 62.81% 3.03% 30.92% 22.89% 20.49%
Net Income Growth		 88.56% 64.45% 106.16% 166.46% 160.20% 54.92% 62.81% 3.03% 30.92% 22.89% 20.49%
EPS Growth		 63.64% 0.00% 93.75% 88.89% -16.67% -148.57% -45.16% -14.71% 20.00% 141.18% 17.65%
Operating Cash Flow Growth		 -47.43% -90.61% 8,672.41% -41.65% 231.79% 1,657.23% 23.23% 98.87% -52.22% 11.36% 151.04%
Free Cash Flow Firm Growth		 165.65% -291.72% -43.51% -226.88% -220.17% 69.71% 128.97% 146.10% 137.88% 19.55% -595.81%
Invested Capital Growth		 -36.03% 81.88% 36.86% 73.81% 74.03% 16.04% -4.10% -15.63% -11.91% 12.22% 41.39%
Revenue Q/Q Growth		 7.24% 19.97% 9.79% 10.60% 1.35% 2.24% 3.44% 13.32% 7.90% 4.36% 10.12%
EBITDA Q/Q Growth		 -2.07% 94.70% -8.69% 46.21% -8.43% 28.99% -6.20% -6.01% 18.48% 4.74% 2.58%
EBIT Q/Q Growth		 -1.71% 98.21% -5.87% 44.67% -4.91% 19.68% -2.11% -6.56% 16.64% 14.02% -4.01%
NOPAT Q/Q Growth		 -3.28% 100.87% -6.75% 47.08% -5.55% 19.59% -2.00% -6.93% 20.02% 12.26% -3.92%
Net Income Q/Q Growth		 -3.28% 100.87% -6.75% 47.08% -5.55% 19.59% -2.00% -6.93% 20.02% 12.26% -3.92%
EPS Q/Q Growth		 0.00% 94.44% -11.43% 9.68% -55.88% -213.33% 200.00% 70.59% -37.93% -61.11% 185.71%
Operating Cash Flow Q/Q Growth		 -77.23% -71.94% 650.44% 21.70% 29.46% 48.63% -47.37% 96.40% -68.90% 246.42% 18.63%
Free Cash Flow Firm Q/Q Growth		 6.79% -228.61% 45.92% -70.81% -1.14% 67.58% 151.72% 171.86% -16.90% -168.85% -218.77%
Invested Capital Q/Q Growth		 0.42% 73.12% -6.79% 7.26% 0.55% 15.44% -22.97% -5.64% 4.98% 47.06% -2.94%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 27.09% 43.97% 36.56% 48.34% 43.67% 55.10% 49.97% 41.45% 45.51% 45.68% 42.55%
EBIT Margin		 25.32% 41.83% 35.86% 46.91% 44.01% 51.52% 48.76% 40.20% 43.46% 47.48% 41.39%
Profit (Net Income) Margin		 18.59% 31.13% 26.44% 35.16% 32.77% 38.33% 36.31% 29.83% 33.18% 35.69% 31.14%
Tax Burden Percent		 73.44% 74.42% 73.73% 74.96% 74.45% 74.40% 74.48% 74.19% 76.34% 75.16% 75.23%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 26.56% 25.58% 26.27% 25.04% 25.55% 25.60% 25.52% 25.81% 23.66% 24.84% 24.77%
Return on Invested Capital (ROIC)		 4.64% 8.27% 7.54% 11.48% 11.67% 10.57% 12.35% 10.57% 12.25% 10.84% 11.74%
ROIC Less NNEP Spread (ROIC-NNEP)		 4.64% 8.27% 7.54% 11.48% 11.67% 10.57% 12.35% 10.57% 12.25% 10.84% 11.74%
Return on Net Nonoperating Assets (RNNOA)		 3.08% 4.49% 3.31% 4.13% 3.67% 6.83% 3.23% 2.40% 2.34% 4.82% 2.50%
Return on Equity (ROE)		 7.72% 12.76% 10.85% 15.61% 15.34% 17.40% 15.58% 12.97% 14.58% 15.65% 14.24%
Cash Return on Invested Capital (CROIC)		 49.36% -51.95% -24.07% -44.59% -42.81% -5.65% 16.31% 29.05% 25.28% -1.27% -22.05%
Operating Return on Assets (OROA)		 0.98% 1.65% 1.39% 2.08% 1.97% 2.35% 2.08% 1.83% 1.97% 2.29% 1.98%
Return on Assets (ROA)		 0.72% 1.23% 1.03% 1.56% 1.47% 1.75% 1.55% 1.35% 1.51% 1.72% 1.49%
Return on Common Equity (ROCE)		 7.72% 12.76% 10.85% 15.61% 15.34% 17.40% 15.58% 12.97% 14.58% 15.65% 14.24%
Return on Equity Simple (ROE_SIMPLE)		 7.98% 0.00% 9.04% 11.14% 12.65% 0.00% 13.53% 13.22% 13.47% 0.00% 13.75%
Net Operating Profit after Tax (NOPAT)		 1.27 2.55 2.38 3.50 3.30 3.95 3.87 3.60 4.32 4.85 4.66
NOPAT Margin		 18.59% 31.13% 26.44% 35.16% 32.77% 38.33% 36.31% 29.83% 33.18% 35.69% 31.14%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 41.03% 34.17% 40.13% 38.30% 38.56% 28.71% 39.37% 38.56% 39.29% 35.26% 41.67%
Operating Expenses to Revenue		 53.49% 45.02% 52.38% 51.13% 52.45% 42.53% 52.79% 51.18% 50.68% 49.59% 53.47%
Earnings before Interest and Taxes (EBIT)		 1.73 3.43 3.22 4.66 4.44 5.31 5.20 4.86 5.66 6.46 6.20
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 1.85 3.60 3.29 4.81 4.40 5.68 5.33 5.01 5.93 6.21 6.37
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.35 0.43 0.41 0.48 0.48 0.47 0.45 0.47 0.41 0.40 0.49
Price to Tangible Book Value (P/TBV)		 0.35 0.43 0.41 0.48 0.48 0.47 0.45 0.47 0.41 0.40 0.49
Price to Revenue (P/Rev)		 0.95 1.12 1.11 1.22 1.19 1.22 1.18 1.22 1.05 0.99 1.16
Price to Earnings (P/E)		 4.36 4.83 4.50 4.28 3.77 3.66 3.30 3.57 3.06 2.94 3.56
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Earnings Yield		 22.91% 20.72% 22.24% 23.39% 26.51% 27.33% 30.26% 28.03% 32.68% 33.96% 28.11%
Enterprise Value to Invested Capital (EV/IC)		 0.00 0.12 0.00 0.00 0.00 0.03 0.00 0.00 0.00 0.00 0.00
Enterprise Value to Revenue (EV/Rev)		 0.00 0.58 0.00 0.00 0.00 0.11 0.00 0.00 0.00 0.00 0.00
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 1.74 0.00 0.00 0.00 0.24 0.00 0.00 0.00 0.00 0.00
Enterprise Value to EBIT (EV/EBIT)		 0.00 1.85 0.00 0.00 0.00 0.25 0.00 0.00 0.00 0.00 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 2.49 0.00 0.00 0.00 0.34 0.00 0.00 0.00 0.00 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 2.27 0.00 0.00 0.00 0.28 0.00 0.00 0.00 0.00 0.00
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.15 0.89 0.48 0.52 0.43 0.48 0.09 0.00 0.00 0.41 0.32
Long-Term Debt to Equity		 0.15 0.89 0.48 0.52 0.43 0.48 0.09 0.00 0.00 0.41 0.32
Financial Leverage		 0.66 0.54 0.44 0.36 0.31 0.65 0.26 0.23 0.19 0.44 0.21
Leverage Ratio		 10.71 10.38 10.56 10.02 10.43 9.96 10.04 9.58 9.68 9.08 9.56
Compound Leverage Factor		 10.71 10.38 10.56 10.02 10.43 9.96 10.04 9.58 9.68 9.08 9.56
Debt to Total Capital		 13.11% 46.97% 32.51% 34.10% 30.14% 32.64% 8.47% 0.00% 0.00% 29.09% 23.97%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 13.11% 46.97% 32.51% 34.10% 30.14% 32.64% 8.47% 0.00% 0.00% 29.09% 23.97%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 86.89% 53.03% 67.49% 65.90% 69.86% 67.36% 91.53% 100.00% 100.00% 70.91% 76.03%
Debt to EBITDA		 1.37 6.88 3.77 3.32 2.49 2.75 0.49 0.00 0.00 2.23 1.70
Net Debt to EBITDA		 -12.90 -1.63 -10.46 -4.36 -5.69 -2.40 -6.60 0.00 0.00 -2.87 -4.25
Long-Term Debt to EBITDA		 1.37 6.88 3.77 3.32 2.49 2.75 0.49 0.00 0.00 2.23 1.70
Debt to NOPAT		 1.89 9.87 5.33 4.64 3.41 3.81 0.68 0.00 0.00 3.00 2.29
Net Debt to NOPAT		 -17.79 -2.33 -14.80 -6.09 -7.81 -3.32 -9.13 0.00 0.00 -3.88 -5.73
Long-Term Debt to NOPAT		 1.89 9.87 5.33 4.64 3.41 3.81 0.68 0.00 0.00 3.00 2.29
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 44 -57 -31 -53 -53 -17 8.91 24 20 -14 -44
Operating Cash Flow to CapEx		 827.40% 189.39% 982.24% 862.40% 2,636.84% 2,732.57% 1,107.77% 2,066.11% 31,916.67% 2,146.93% 1,792.71%
Free Cash Flow to Firm to Interest Expense		 14.80 -14.10 -5.38 -8.15 -8.34 -2.69 1.60 4.53 3.82 -2.49 -7.05
Operating Cash Flow to Interest Expense		 0.40 0.08 0.45 0.48 0.63 0.93 0.56 1.15 0.36 1.19 1.26
Operating Cash Flow Less CapEx to Interest Expense		 0.36 0.04 0.40 0.42 0.61 0.90 0.51 1.10 0.36 1.14 1.19
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.05 0.04 0.05 0.05 0.05 0.05
Fixed Asset Turnover		 22.97 23.53 22.53 22.34 23.33 22.88 21.41 20.04 21.70 21.69 21.28
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 76 132 123 132 133 153 118 111 117 172 167
Invested Capital Turnover		 0.25 0.27 0.29 0.33 0.36 0.28 0.34 0.35 0.37 0.30 0.38
Increase / (Decrease) in Invested Capital		 -43 59 33 56 56 21 -5.04 -21 -16 19 49
Enterprise Value (EV)		 -71 16 -77 -18 -47 4.40 -85 -129 -187 -16 -38
Market Capitalization		 23 30 34 41 44 48 48 53 48 49 62
Book Value per Share		 $9.14 $9.66 $10.56 $9.03 $9.58 $10.23 $9.19 $9.48 $9.95 $10.57 $10.43
Tangible Book Value per Share		 $9.14 $9.66 $10.56 $9.03 $9.58 $10.23 $9.19 $9.48 $9.95 $10.57 $10.43
Total Capital		 76 132 123 132 133 153 118 111 117 172 167
Total Debt		 10 62 40 45 40 50 10 0.00 0.00 50 40
Total Long-Term Debt		 10 62 40 45 40 50 10 0.00 0.00 50 40
Net Debt		 -94 -15 -111 -59 -92 -44 -133 -182 -235 -65 -100
Capital Expenditures (CapEx)		 0.15 0.18 0.26 0.36 0.15 0.22 0.28 0.30 0.01 0.31 0.44
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 10 62 40 45 40 50 10 0.00 0.00 50 40
Total Depreciation and Amortization (D&A)		 0.12 0.18 0.06 0.14 -0.03 0.37 0.13 0.15 0.27 -0.25 0.17
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.18 $0.35 $0.31 $0.36 $0.34 $0.38 $0.33 $0.31 $0.37 $0.41 $0.39
Adjusted Weighted Average Basic Shares Outstanding		 7.25M 7.87M 9.63M 9.68M 10.09M 11.75M 11.75M 11.75M 11.53M 12.17M 12.27M
Adjusted Diluted Earnings per Share		 $0.18 $0.35 $0.31 $0.34 $0.32 ($0.17) $0.32 $0.29 $0.18 $0.07 $0.20
Adjusted Weighted Average Diluted Shares Outstanding		 7.25M 7.87M 9.63M 9.68M 10.09M 11.75M 11.75M 11.75M 11.53M 12.17M 12.27M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 7.25M 7.87M 9.63M 9.68M 10.09M 11.75M 11.75M 11.75M 11.53M 12.17M 12.27M
Normalized Net Operating Profit after Tax (NOPAT)		 1.27 2.55 2.38 3.50 3.30 3.95 3.87 3.60 4.32 4.85 4.66
Normalized NOPAT Margin		 18.59% 31.13% 26.44% 35.16% 32.77% 38.33% 36.31% 29.83% 33.18% 35.69% 31.12%
Pre Tax Income Margin		 25.32% 41.83% 35.86% 46.91% 44.01% 51.52% 48.76% 40.20% 43.46% 47.48% 41.39%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.58 0.85 0.56 0.72 0.70 0.83 0.93 0.91 1.07 1.16 0.99
NOPAT to Interest Expense		 0.42 0.63 0.42 0.54 0.52 0.62 0.69 0.67 0.82 0.87 0.74
EBIT Less CapEx to Interest Expense		 0.53 0.80 0.52 0.67 0.67 0.79 0.88 0.85 1.07 1.10 0.92
NOPAT Less CapEx to Interest Expense		 0.38 0.59 0.37 0.49 0.49 0.58 0.64 0.62 0.82 0.82 0.67
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Augmented Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%

Financials Breakdown Chart

Key Financial Trends

OptimumBank Holdings (NASDAQ: OPHC) posted another profitable quarter in Q1 2026, with net income of $4.7 million and earnings per share of $0.39. The quarter showed strong operating performance, but the balance sheet and cash flow trends also reflect a fast-growing bank that is actively managing deposits, loans, and securities.

  • Profitability remained strong: Q1 2026 net income was $4.7 million, up from $4.9 million in Q4 2025 and above $3.9 million in Q1 2025.
  • Operating cash flow improved sharply: Net cash from operating activities reached $7.9 million in Q1 2026, compared with $6.6 million in Q4 2025 and $3.1 million in Q1 2025.
  • Loan growth continued: Net loans and leases rose to $1.08 billion in Q1 2026 from $802.8 million a year earlier, showing meaningful expansion of the lending book.
  • Revenue increased year over year: Total revenue in Q1 2026 was $15.0 million, up from $10.7 million in Q1 2025.
  • Non-interest income held up well: Other service charges were $1.8 million in Q1 2026, supporting total revenue and helping offset funding costs.
  • Deposit base expanded materially: Total deposits were about $1.09 billion at the end of Q1 2026, up from about $932.4 million at year-end 2025 and $878.6 million at Q1 2025.
  • Balance sheet leverage increased: Total assets rose to $1.27 billion, while equity was $126.8 million, indicating a larger and more active balance sheet.
  • Interest expense remains elevated: Deposits interest expense was $6.2 million in Q1 2026, which continues to pressure net interest margin.
  • Investing cash outflows were very large: Net cash used in investing activities totaled $133.5 million in Q1 2026, driven mainly by a large negative “other investing activities” item.
  • Cash interest costs are still significant: OPHC paid $5.1 million in cash interest during Q1 2026, a reminder that funding costs remain a key operating headwind.

Trend to watch: Over the last several quarters, OPHC has shown a consistent ability to produce earnings and operating cash flow, while also growing loans and deposits. The key question for investors is whether the bank can keep expanding profitably without letting funding costs or asset-quality expenses rise too quickly.

Bottom line: OptimumBank’s recent results look constructive overall. Earnings are solid, operating cash flow is healthy, and the loan book has expanded significantly. However, the bank’s large investing cash outflows and relatively high interest expense suggest investors should keep an eye on funding mix, asset quality, and margin trends.

08/05/26 09:43 PM ETAI Generated. May Contain Errors.

OptimumBank Financials - Frequently Asked Questions

According to the most recent income statement we have on file, OptimumBank's fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

OptimumBank's net income appears to be on an upward trend, with a most recent value of $16.65 million in 2025, falling from -$163 thousand in 2015. The previous period was $13.12 million in 2024. View OptimumBank's forecast to see where analysts expect OptimumBank to go next.

Over the last 10 years, OptimumBank's total revenue changed from $4.06 million in 2015 to $49.36 million in 2025, a change of 1,115.2%.

OptimumBank's total liabilities were at $989.78 million at the end of 2025, a 19.3% increase from 2024, and a 694.9% increase since 2015.

In the past 10 years, OptimumBank's cash and equivalents has ranged from $1.22 million in 2017 to $25.52 million in 2020, and is currently $9.35 million as of their latest financial filing in 2025.

Over the last 10 years, OptimumBank's book value per share changed from 0.31 in 2015 to 10.57 in 2025, a change of 3,316.9%.


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Financial statements for NASDAQ:OPHC last updated on 7/16/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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