NYSEAMERICAN : OPHC
OptimumBank Holdings, Inc. — Financial statements
Financials · Banks - Regional · United States
Last price 9.15 USD (Oct 30, 2026, 4:00 PM EDT) · Market cap 220.34M
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 68.02M | 57.15M | 52.05M | 31.76M | 17.95M | 9.76M |
| Interest Income on Investments | 6.92M | 7.21M | 7.58M | 4.02M | 1.93M | 633.00K |
| Total Interest Income | 74.94M | 64.35M | 59.63M | 35.78M | 19.88M | 10.39M |
| Interest Paid on Deposits | 23.64M | 21.43M | 22.96M | 11.60M | 3.23M | 651.00K |
| Interest Paid on Borrowings | 487.00K | 333.00K | 1.98M | 468.00K | 812.00K | 334.00K |
| Total Interest Expense | 24.13M | 21.77M | 24.94M | 12.07M | 4.05M | 985.00K |
| Net Interest Income | 50.81M | 42.59M | 34.69M | 23.71M | 15.84M | 9.40M |
| Gain (Loss) on Sale of Assets | 340.00K | |||||
| Other Non-Interest Income | 7.98M | 6.77M | 4.62M | 3.45M | 2.96M | 1.43M |
| Total Non-Interest Income | 7.98M | 6.77M | 4.62M | 3.45M | 2.96M | 1.77M |
| Revenues Before Loan Losses | 58.79M | 49.36M | 39.31M | 27.16M | 18.80M | 11.18M |
| Provision for Loan Losses | 1.89M | 2.04M | 2.22M | 4.05M | 3.47M | 1.17M |
| Revenue | 56.89M | 47.33M | 37.09M | 23.12M | 15.33M | 10.01M |
| Salaries and Employee Benefits | 16.93M | 13.92M | 10.61M | 7.77M | 5.08M | 3.45M |
| Occupancy Expenses | 885.00K | 768.00K | 514.00K | 430.00K | 437.00K | 437.00K |
| Federal Deposit Insurance | 662.00K | 687.00K | 799.00K | 550.00K | 255.00K | 164.00K |
| Selling, General & Administrative | 6.41M | 5.40M | 4.50M | 3.36M | 2.48M | 1.77M |
| Other Non-Interest Expense | 4.84M | 4.38M | 3.04M | 2.17M | 1.69M | 1.11M |
| Total Non-Interest Expense | 29.74M | 25.15M | 19.46M | 14.29M | 9.94M | 6.94M |
| EBT Excluding Unusual Items | 27.16M | 22.17M | 17.63M | 8.83M | 5.39M | 3.07M |
| Legal Settlements | -375.00K | |||||
| Pretax Income | 27.16M | 22.17M | 17.63M | 8.46M | 5.39M | 3.07M |
| Income Tax Expense | 6.66M | 5.52M | 4.51M | 2.17M | 1.37M | -3.23M |
| Net Income | 20.49M | 16.65M | 13.12M | 6.28M | 4.02M | 6.30M |
| Net Income to Common | 20.49M | 16.65M | 13.12M | 6.28M | 4.02M | 6.30M |
| Basic Shares Outstanding | 12.96M | 11.70M | 9.45M | 7.24M | 5.95M | 3.90M |
| Diluted Shares Outstanding | 23.56M | 23.42M | 20.96M | 7.24M | 5.95M | 3.90M |
| EPS (Basic) | 1.58 | 1.42 | 1.39 | 0.87 | 0.68 | 1.61 |
| EPS (Diluted) | 0.87 | 0.71 | 0.63 | 0.87 | 0.68 | 1.61 |
| Effective Tax Rate | 24.53% | 24.91% | 25.56% | 25.71% | 25.39% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 146.24M | 114.56M | 93.63M | 76.66M | 71.84M | 58.97M |
| Investment Securities | 12.87M | 13.05M | 12.48M | 12.90M | 12.44M | 17.50M |
| Mortgage-Backed Securities | 13.98M | 12.34M | 10.57M | 11.81M | 13.21M | 17.94M |
| Total Investments | 26.85M | 25.40M | 23.05M | 24.71M | 25.64M | 35.43M |
| Gross Loans | 1.22B | 958.79M | 804.24M | 680.07M | 483.38M | 251.40M |
| Allowance for Loan Losses | -11.02M | -10.27M | -8.66M | -7.68M | -5.79M | -3.08M |
| Other Adjustments to Gross Loans | -1.68M | -1.23M | -595.00K | -1.29M | -367.00K | -422.00K |
| Net Loans | 1.20B | 947.29M | 794.99M | 671.09M | 477.22M | 247.90M |
| Property, Plant & Equipment | 5.54M | 5.11M | 4.74M | 3.54M | 3.05M | 2.58M |
| Accrued Interest Receivable | 4.86M | 3.62M | 3.35M | 2.47M | 1.44M | 971.00K |
| Long-Term Deferred Tax Assets | 3.14M | 3.11M | 3.00M | 2.90M | 3.84M | 3.44M |
| Other Real Estate Owned & Foreclosed | 551.00K | |||||
| Other Long-Term Assets | 7.96M | 9.01M | 7.25M | 6.51M | 1.59M | 1.79M |
| Total Assets | 1.40B | 1.11B | 932.93M | 791.25M | 585.22M | 351.88M |
| Interest Bearing Deposits | 894.67M | 570.22M | 485.51M | 405.56M | 301.37M | 166.65M |
| Institutional Deposits | 95.01M | 74.78M | 39.13M | 47.34M | 1.69M | |
| Non-Interest Bearing Deposits | 319.38M | 266.52M | 211.90M | 194.89M | 159.19M | 124.12M |
| Total Deposits | 1.21B | 931.75M | 772.20M | 639.58M | 507.90M | 292.46M |
| Short-Term Borrowings | 25.00M | 50.00M | 40.00M | 65.60M | ||
| Current Portion of Long-Term Debt | 10.00M | |||||
| Current Portion of Leases | 499.00K | |||||
| Other Current Liabilities | 140.00K | |||||
| Federal Home Loan Bank Debt, Long-Term | 10.00M | 10.00M | 18.00M | |||
| Long-Term Leases | 2.55M | 2.25M | 2.77M | 2.25M | 2.17M | 1.77M |
| Other Long-Term Liabilities | 10.96M | 5.29M | 4.78M | 3.82M | 2.57M | 996.00K |
| Total Liabilities | 1.27B | 989.78M | 829.75M | 721.25M | 522.64M | 313.37M |
| Common Stock | 239.00K | 115.00K | 116.00K | 72.00K | 71.00K | 48.00K |
| Additional Paid-In Capital | 113.83M | 112.58M | 111.48M | 91.22M | 90.41M | 65.19M |
| Retained Earnings | 25.12M | 13.80M | -2.85M | -15.97M | -22.07M | -26.10M |
| Comprehensive Income & Other | -4.81M | -4.60M | -5.57M | -5.32M | -5.83M | -635.00K |
| Shareholders' Equity | 134.38M | 121.90M | 103.18M | 70.01M | 62.58M | 38.51M |
| Total Liabilities & Equity | 1.40B | 1.11B | 932.93M | 791.25M | 585.22M | 351.88M |
| Total Debt | 41.55M | 52.74M | 52.77M | 77.85M | 12.17M | 19.77M |
| Net Cash (Debt) | 104.69M | 61.81M | 40.86M | -1.19M | 59.66M | 39.20M |
| Net Cash Per Share | 4.44 | 2.64 | 1.95 | -0.16 | 10.02 | 10.05 |
| Filing Date Shares Outstanding | 24.08M | 12.17M | 11.75M | 7.87M | 7.25M | 4.90M |
| Total Common Shares Outstanding | 23.80M | 11.53M | 11.64M | 7.25M | 7.06M | 4.78M |
| Book Value Per Share | 5.65 | 10.57 | 8.87 | 9.66 | 8.87 | 8.06 |
| Tangible Book Value | 134.38M | 121.90M | 103.18M | 70.01M | 62.58M | 38.51M |
| Tangible Book Value Per Share | 5.65 | 10.57 | 8.87 | 9.66 | 8.87 | 8.06 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 20.49M | 16.65M | 13.12M | 6.28M | 4.02M | 6.30M |
| Depreciation & Amortization | 1.02M | 884.00K | 599.00K | 560.00K | 569.00K | 302.00K |
| Gain (Loss) on Sale of Assets | 49.00K | 54.00K | -340.00K | |||
| Provision for Credit Losses | 1.89M | 2.04M | 2.22M | 4.05M | 3.47M | 1.17M |
| Accrued Interest Receivable | -1.72M | -273.00K | -874.00K | -1.03M | -473.00K | 365.00K |
| Change in Other Net Operating Assets | 4.46M | -1.75M | 93.00K | -4.29M | 1.30M | -233.00K |
| Other Operating Activities | -505.00K | -630.00K | -49.00K | 817.00K | 1.10M | -4.00M |
| Operating Cash Flow | 26.70M | 17.84M | 15.61M | 6.88M | 10.36M | 3.76M |
| Capital Expenditures | -1.23M | -896.00K | -988.00K | -668.00K | -322.00K | -381.00K |
| Sale of Property, Plant and Equipment | 1.08M | |||||
| Investment in Securities | -3.40M | -1.05M | 1.30M | 1.61M | 2.64M | -14.19M |
| Net Decrease (Increase) in Loans Originated / Sold - Investing | -431.95M | -154.64M | -126.21M | -197.85M | -232.31M | -95.57M |
| Other Investing Activities | -1.31M | -99.00K | 425.00K | -2.75M | 193.00K | 299.00K |
| Investing Cash Flow | -437.33M | -156.68M | -125.47M | -199.66M | -229.80M | -108.76M |
| Short-Term Debt Issued | 13.60M | |||||
| Long-Term Debt Issued | 52.00M | |||||
| Total Debt Issued | 14.00M | 65.60M | ||||
| Short-Term Debt Repaid | -13.60M | |||||
| Long-Term Debt Repaid | -12.00M | -8.00M | -5.00M | |||
| Total Debt Repaid | 25.00M | -25.60M | -8.00M | -5.00M | ||
| Net Debt Issued (Repaid) | 39.00M | -25.60M | 65.60M | -8.00M | -5.00M | |
| Issuance of Common Stock | 968.00K | 251.00K | 18.46M | 324.00K | 9.87M | 3.64M |
| Preferred Stock Issued | 2.05M | 15.00M | 9.00M | |||
| Net Increase (Decrease) in Deposit Accounts | 335.18M | 159.56M | 132.61M | 131.68M | 215.44M | 101.70M |
| Other Financing Activities | -34.00K | -34.00K | -694.00K | |||
| Financing Cash Flow | 375.11M | 159.77M | 126.83M | 197.61M | 232.31M | 109.34M |
| Net Cash Flow | -35.52M | 20.93M | 16.97M | 4.83M | 12.87M | 4.34M |
| Free Cash Flow | 25.47M | 16.95M | 14.62M | 6.21M | 10.04M | 3.38M |
| Free Cash Flow Margin | 44.77% | 35.81% | 39.41% | 26.88% | 65.48% | 33.80% |
| Free Cash Flow Per Share | 1.08 | 0.72 | 0.70 | 0.86 | 1.69 | 0.87 |
| Cash Interest Paid | 23.12M | 21.73M | 26.43M | 11.80M | 3.93M | 1.04M |
| Cash Income Tax Paid | 6.16M | 6.86M | 2.23M | 1.07M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 220.34M | 49.02M | 48.03M | 30.32M | 27.68M | 18.59M |
| Last Close Price | 9.15 | 4.25 | 4.76 | 4.18 | 4.09 | 3.93 |
| PE Ratio | 10.52 | 2.94 | 3.66 | 4.83 | 6.88 | 2.95 |
| PS Ratio | 3.87 | 1.04 | 1.29 | 1.31 | 1.81 | 1.86 |
| PB Ratio | 1.62 | 0.40 | 0.47 | 0.43 | 0.44 | 0.48 |
| P/FCF Ratio | 8.65 | 2.89 | 3.29 | 4.88 | 2.76 | 5.50 |
| P/OCF Ratio | 8.25 | 2.75 | 3.08 | 4.41 | 2.67 | 4.94 |
| Debt / Equity Ratio | 0.31 | 0.43 | 0.51 | 1.11 | 0.20 | 0.51 |
| Debt / FCF Ratio | 1.63 | 3.11 | 3.61 | 12.53 | 1.21 | 5.85 |
| Net Debt / Equity Ratio | -0.78 | -0.51 | -0.40 | 0.02 | -0.95 | -1.02 |
| Net Debt / FCF Ratio | -4.11 | -3.65 | -2.79 | 0.19 | -5.94 | -11.59 |
| Return on Equity (ROE) | 16.68% | 14.79% | 15.16% | 9.48% | 7.96% | 22.35% |
| Return on Assets (ROA) | 1.71% | 1.63% | 1.52% | 0.91% | 0.86% | 2.15% |
| Earnings Yield | 9.51% | 33.96% | 27.32% | 20.72% | 14.53% | 33.87% |
| FCF Yield | 11.56% | 34.57% | 30.43% | 20.50% | 36.26% | 18.19% |
| Buyback Yield / Dilution | 16.44% | -11.73% | -189.54% | -21.56% | -52.72% | -32.88% |