OptimumBank Holdings, Inc.
OPHC NYSE· National Commercial Banks
Last close · Oct 26, 2026
$8.71
KIRA · Stoqly’s AI analyst, in plain words
- OptimumBank Holdings, Inc. had $49.4M of revenue in fiscal 2025, up 25.6% on the year before. Over five years, revenue changed +56.3% a year on average.
- OptimumBank Holdings, Inc. made $16.6M of net profit in fiscal 2025.
- It earned 14.8% on shareholders’ money. Running costs took 51.0% of revenue (the efficiency ratio; lower is better).
Market cap
$206M
P/E
10.0x
Revenue
$49.4M
Net income
$16.6M
Return on equity
14.8%
Efficiency ratio
51.0%
OptimumBank Holdings, Inc. in 30 seconds · fiscal 2025
Are sales growing?
+25.6%
Yes. Sales grew 25.6% last year.
Does it make a profit?
33.7%
Yes. It keeps 33.7% of every sale as profit.
How lean are its costs?
51.0%
Lean. Running costs take 51.0% of revenue.
How much does it earn on its capital?
14.8%
Good. It earns 14.8% a year on shareholders’ money.
How is the share priced?
10.0x
One share costs 10.0 times its yearly profit per share.
What OptimumBank Holdings, Inc. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 26, 2026
- Legal name
- OptimumBank Holdings, Inc.
- CIK
- 0001288855
OptimumBank Holdings, Inc. · OPHC
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $11.2M | $18.8M | $27.2M | $39.3M | $49.4M |
| Revenue growth | 111.5% | 68.2% | 44.5% | 44.7% | 25.6% |
| Net interest income | $9.4M | $15.8M | $23.7M | $34.7M | $42.6M |
| Net income | $6.3M | $4.0M | $6.3M | $13.1M | $16.6M |
| Net margin | 56.3% | 21.4% | 23.1% | 33.4% | 33.7% |
| Diluted EPS | $1.61 | $0.68 | $0.87 | $0.63 | $0.71 |
| Cash | |||||
| Cash from operations | $3.8M | $10.4M | $6.9M | $15.6M | $17.8M |
| Capital expenditure | $0.4M | $0.3M | $0.7M | $1.0M | $0.9M |
| Free cash flow | $3.4M | $10.0M | $6.2M | $14.6M | $16.9M |
| FCF margin | 30.3% | 53.4% | 22.9% | 37.2% | 34.3% |
| Share count change | 32.9% | 52.7% | 121,460.4% | −99.9% | 23.8% |
| Debt and strength | |||||
| Loans, net | $248M | $477M | — | — | — |
| Deposits | $292M | $508M | $640M | $772M | $932M |
| Shareholders' equity | $38.5M | $62.6M | $70.0M | $103M | $122M |
| Returns and quality | |||||
| Return on equity | 22.3% | 8.0% | 9.5% | 15.2% | 14.8% |
| Return on tangible equity | 16.3% | 6.4% | 9.0% | 12.7% | 13.7% |
| Efficiency ratio | 62.1% | 52.9% | 54.0% | 49.5% | 51.0% |
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$0.2M
2 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
OptimumBank Holdings, Inc. · OPHC
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $8.71 a share, the company is worth $206M: 10.0 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001288855). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.