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OptimumBank Holdings, Inc.

OPHC NYSE National Commercial Banks Financials FY2016–FY2025

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.

Download report 3-page PDF: the company, its results and charts with peers.

Last close Β· Oct 23, 2026

$8.55

3.3%

What OptimumBank Holdings, Inc. does

OPHC Β· National Commercial Banks

From its latest annual report

No business description yet.

Filing details

Legal name
OptimumBank Holdings, Inc.
Fiscal year ends
December 31, 2025
Latest annual report
10-K Β· Feb 26, 2026
Accession Β· CIK
0001493152-26-008143 Β· 0001288855

KIRA’s summary AI analyst

Hi! I read OptimumBank Holdings, Inc.’s latest annual report (fiscal 2025). Here is what stands out:

3 strengths

1.Sales and profit

See section β†’
  • 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.

OptimumBank Holdings, Inc. in 30 seconds

Good So-so Weak

Good

Are sales growing?

+25.6%

Yes. Sales grew 25.6% last year.

Good

Does it make a profit?

33.7%

Yes. It keeps 33.7% of every sale as profit.

Good

How lean are its costs?

51.0%

Lean. Running costs take 51.0% of revenue.

Good

How much does it earn on its capital?

14.8%

Good. It earns 14.8% a year on shareholders’ money.

For information

How is the share priced?

9.8x

One share costs 9.8 times its yearly profit per share.

Rules of thumb on reported numbers. A starting point, not a recommendation.

Key numbers, fiscal 2025

Market cap Last close times the latest diluted share count, so it is approximate.
$203M
Oct 23 close
P/E Last close divided by diluted earnings per share over the last four quarters.
9.8x
On $0.87 EPS (TTM)

Revenue

Total sales reported in the income statement.

KIRA Β· 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.

See the full section β†’

Efficiency ratio

Noninterest expense as a share of revenue. Lower is better for banks.

KIRA Β· It earned 14.8% on shareholders’ money. Running costs took 51.0% of revenue (the efficiency ratio; lower is better).

See the full section β†’

Net income

Profit after all expenses, interest and tax.

KIRA Β· OptimumBank Holdings, Inc. made $16.6M of net profit in fiscal 2025.

See the full section β†’

Return on equity

Net income as a share of average shareholders' equity.

KIRA Β· It earned 14.8% on shareholders’ money. Running costs took 51.0% of revenue (the efficiency ratio; lower is better).

See the full section β†’

Sales and profit

Is it selling more, and how much does it keep?

Results dates

In plain words: Every quarter, companies publish how much they sold and earned. These are the days OptimumBank Holdings, Inc. did it, and the next one. Share prices often move a lot on those days.

Next results

November 9, 2026

Monday Β· in 14 days

Time
Time not announced
Covers
Period ended Sep 30, 2026
Expected EPS
$0.27
Source
Earnings calendar
See who else reports that week β†’
Date Results for Time Source
Jul 24, 2026 Q2 '26 Before the market opens 8-K β†—
Apr 24, 2026 Q1 '26 Before the market opens 8-K β†—
Jan 20, 2026 Q4 '25 Before the market opens 8-K β†—
Oct 16, 2025 Q3 '25 Before the market opens 8-K β†—
Aug 6, 2025 Q2 '25 After the market closes 8-K β†—
May 12, 2025 Q1 '25 During market hours 10-Q β†—
Feb 26, 2025 Q4 '24 During market hours 10-K β†—
Nov 8, 2024 Q3 '24 During market hours 10-Q β†—

From SEC filings: the results press release (8-K) or, without one, the quarterly or annual report.

Revenue and margins

KIRA Β· 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.

In plain words: Revenue is all the money customers paid. The margins show how many cents of each dollar of sales are left over at each step: after making the product (gross), after running the business (operating) and after everything, tax included (net).

Revenue

Revenue

Net interest income share and efficiency ratio

Net interest share Efficiency ratio

Net interest income share and efficiency ratio

Net interest share Efficiency ratio

Net income and earnings per share

KIRA Β· OptimumBank Holdings, Inc. made $16.6M of net profit in fiscal 2025.

Loss periods are shown in red.

In plain words: Net income is the profit left after every cost and tax. Earnings per share (EPS) splits that profit across every share, so it shows what one share earned.

Net income

Net income

Diluted EPS

Diluted EPS

Cash and shareholders

How much cash comes in, and where does it go?

Dividends, buybacks and share count

In plain words: Companies hand cash back in two ways: dividends (cash paid to shareholders) and buybacks (buying back their own shares, so each remaining share owns a bigger slice).

Dividends and buybacks

Dividends Buybacks

Diluted shares outstanding (annual)

Insider trades

KIRA Β· No open-market insider trades in the last 12 months.

Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. β€œPlan” marks trades under a pre-arranged Rule 10b5-1 plan.

In plain words: Insiders are the people who run or own a big part of the company. Buying with their own money can signal confidence; selling often has personal reasons, like taxes or diversifying.

Bought, 12 months

$0.0M

0 insiders

Sold, 12 months

$0.0M

0 insiders

Of sales under plans

β€”

$0.0M

No open-market insider trades in the last 12 months.

Financial health

Can it carry its debts, and how well does it use its money?

Balance sheet

Loans, deposits and capital at each fiscal year end.

In plain words: What the company owns and what it owes. More cash than debt is a cushion for bad times; a lot of debt leaves less room when business slows down.

Loans and deposits

Loans Deposits
Fiscal year endFY21FY22FY23FY24FY25
Loans, net $248M$477Mβ€”β€”β€”
Deposits $292M$508M$640M$772M$932M
Loans / deposits 84.8%94.0%β€”β€”β€”
Total assets $352M$585M$791M$933M$1.1B
Shareholders' equity $38.5M$62.6M$70.0M$103M$122M
Provision / loans 0.5%0.7%β€”β€”β€”

Returns and efficiency

KIRA Β· It earned 14.8% on shareholders’ money. Running costs took 51.0% of revenue (the efficiency ratio; lower is better).

For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.

In plain words: Return on equity is the profit made on shareholders’ money each year. The efficiency ratio is how much of each dollar of revenue goes on running costs, so lower is better.

Return on equity, return on tangible equity and efficiency ratio

ROE ROTE Efficiency ratio

All figures

Every number, year by year.

10 years of figures

Amounts in USD. Hover a ratio’s name for its definition.

In plain words: Every number we have, year by year. Download it as a spreadsheet if you want to dig deeper.

Download CSV
Fiscal yearFY16FY17FY18FY19FY20FY21FY22FY23FY24FY25
Income statement
Revenue $3.5M $3.6M $3.1M $3.3M $5.3M $11.2M $18.8M $27.2M $39.3M $49.4M
Net interest income $3.7M $3.5M $3.0M $3.1M $5.0M $9.4M $15.8M $23.7M $34.7M $42.6M
Noninterest income βˆ’$0.1M $0.1M $0.1M $0.2M $0.3M $1.8M $3.0M $3.5M $4.6M $6.8M
Noninterest expense $3.9M $4.2M $4.1M $4.5M $5.0M $6.9M $9.9M $14.7M $19.5M $25.2M
Provision for credit losses β€” β€” βˆ’$1.8M βˆ’$0.1M $1.0M $1.2M $3.5M $3.8M $2.4M $1.9M
Interest expense $1.1M $1.2M $1.2M $2.0M $1.7M $1.0M $4.0M $12.1M β€” β€”
Pretax income βˆ’$0.4M βˆ’$0.6M $0.8M βˆ’$1.2M βˆ’$0.8M $3.1M $5.4M $8.5M $17.6M $22.2M
Income tax β€” $0.1M βˆ’$0.1M βˆ’$0.1M β€” βˆ’$3.2M $1.4M $2.2M $4.5M $5.5M
Net income βˆ’$0.4M βˆ’$0.6M $0.8M βˆ’$1.1M βˆ’$0.8M $6.3M $4.0M $6.3M $13.1M $16.6M
Diluted EPS βˆ’$0.38 βˆ’$0.53 $0.53 βˆ’$0.58 βˆ’$0.27 $1.61 $0.68 $0.87 $0.63 $0.71
Diluted shares 0.00B 0.00B 0.00B 0.00B 0.00B 0.00B 0.01B 7.24B 0.01B 0.01B
Cash flow
Cash from operations $0.6M $0.6M $0.0M βˆ’$0.6M βˆ’$1.5M $3.8M $10.4M $6.9M $15.6M $17.8M
Capital expenditure $0.1M $0.1M $0.2M $0.5M $0.2M $0.4M $0.3M $0.7M $1.0M $0.9M
Free cash flow $0.5M $0.5M βˆ’$0.2M βˆ’$1.1M βˆ’$1.7M $3.4M $10.0M $6.2M $14.6M $16.9M
Depreciation and amortization $0.2M $0.1M $0.2M $0.2M $0.2M $0.2M $0.2M $0.2M $0.3M $0.5M
Stock-based compensation $0.0M $0.0M β€” $0.2M $0.2M $0.2M $0.4M $0.5M $0.5M $0.9M
Balance sheet
Loans, net $77.0M $68.2M $77.2M $102M $152M $248M $477M β€” β€” β€”
Deposits $86.1M $65.3M $62.4M $101M $191M $292M $508M $640M $772M $932M
Property and equipment, net $2.6M $2.6M $2.7M $1.4M $1.4M $0.8M $0.9M $1.4M $2.1M $2.5M
Total assets $120M $95.9M $99.5M $127M $235M $352M $585M $791M $933M $1.1B
Total liabilities $117M $93.3M $94.1M $120M $217M $313M $523M $721M $830M $990M
Shareholders' equity $3.1M $2.5M $5.3M $7.2M $17.8M $38.5M $62.6M $70.0M $103M $122M
Margins
Net margin βˆ’11.2% βˆ’16.5% 25.4% βˆ’33.2% βˆ’14.8% 56.3% 21.4% 23.1% 33.4% 33.7%
FCF margin 12.7% 13.3% βˆ’6.7% βˆ’32.2% βˆ’31.4% 30.3% 53.4% 22.9% 37.2% 34.3%
Net interest share of revenue 104.1% 98.5% 97.3% 94.5% 94.4% 84.1% 84.3% 87.3% 88.2% 86.3%
Efficiency ratio 111.2% 116.5% 130.6% 137.2% 95.5% 62.1% 52.9% 54.0% 49.5% 51.0%
Returns
Return on equity βˆ’12.9% βˆ’20.9% 20.3% βˆ’17.6% βˆ’6.2% 22.3% 8.0% 9.5% 15.2% 14.8%
Return on assets βˆ’0.3% βˆ’0.5% 0.8% βˆ’1.0% βˆ’0.4% 2.1% 0.9% 0.9% 1.5% 1.6%
Return on tangible equity βˆ’12.9% βˆ’23.1% 15.0% βˆ’15.3% βˆ’4.4% 16.3% 6.4% 9.0% 12.7% 13.7%
Growth
Revenue growth β€” 0.9% βˆ’12.4% 5.8% 59.6% 111.5% 68.2% 44.5% 44.7% 25.6%
Net income growth β€” β€” β€” βˆ’238.2% β€” β€” βˆ’36.1% 56.2% 108.9% 26.9%
EPS growth β€” β€” β€” βˆ’209.4% β€” β€” βˆ’57.8% 27.9% βˆ’27.6% 12.7%
FCF growth β€” 5.8% βˆ’144.1% β€” β€” β€” 196.8% βˆ’38.1% 135.2% 15.9%
Share count change β€” 6.1% 35.1% 27.4% 54.3% 32.9% 52.7% 121,460.4% βˆ’99.9% 23.8%
Financial health
Loans / deposits 89.4% 104.6% 123.8% 100.8% 79.9% 84.8% 94.0% β€” β€” β€”
Provision / loans β€” β€” βˆ’2.3% βˆ’0.1% 0.7% 0.5% 0.7% β€” β€” β€”
Capital allocation
Capex / revenue 2.9% 2.6% 7.5% 15.4% 3.8% 3.4% 1.7% 2.5% 2.5% 1.8%
Stock comp / revenue 1.3% 0.6% β€” 6.1% 4.1% 1.8% 2.0% 1.8% 1.2% 1.8%
Quality scores
Accruals ratio βˆ’0.8% βˆ’1.1% 0.8% βˆ’0.5% 0.4% 0.9% βˆ’1.4% βˆ’0.1% βˆ’0.3% βˆ’0.1%

Source: SEC EDGAR XBRL filings (CIK 0001288855). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only β€” not investment advice. Check the original filings before relying on any figure.

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