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OptimumBank Holdings, Inc.

OPHC

$8.65 ▼ -0.32 (-3.57%) at close

17 Visible periods

31 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Excellent

Bullish

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Analytical Summary

OptimumBank Holdings, Inc. shows strong fundamentals with top-quartile Return on Common Equity (%) and Profit Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $101.2M

Dividend Yield —

Revenue Growth 25.6% ↘

Op. Margin 44.9% →

ROIC None

FCF / Share None

Trailing P/E 6.1x

Price / Book 0.8x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Nov 5, 2026.

17-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$49.36M

↑ +25.6% —

Net Income Profit after all expenses

$16.65M

↑ +26.9% —

Operating Margin Operating profit as % of sales

44.9%

— +0.2% 96th

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile
Return on Common Equity (%)Return on Common Equity (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability →

Returns ↓

Financial view

Statement lens

Choose the reporting cadence, isolate a period range, or search directly for a metric.

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Revenue Growth YoY (%)	25.6% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+326%)	44.7% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+645%)	44.5% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+642%)	68.2% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1036%)	111.5% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1759%)	59.6% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+894%)	5.8% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	-12.4% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-306%)	0.9% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-85%)	-12.8% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-314%)	-19.6% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-427%)	44.2% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+636%)	23.5% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+291%)	-15.9% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-364%)	-36.5% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-708%)	—	—
EPS Growth YoY (%)	2.2% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	59.8% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	27.9% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	-57.8% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—	—	—	—	-123.5% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	N/M	N/M	-29.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	79.0% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	92.1% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	26.9% Excellent ↓ Excellent Declining Year-over-year change in net income	108.9% Excellent ↑ Excellent Improving Year-over-year change in net income	56.2% Excellent ↑ Excellent Improving Year-over-year change in net income	-36.1% Weak Weak Year-over-year change in net income	N/M	28.9% Excellent Excellent Year-over-year change in net income	N/M	N/M	-48.7% Weak Weak Year-over-year change in net income	-142.9% Weak Weak Year-over-year change in net income	N/M	N/M	-50.6% Weak ↓ Weak Declining Year-over-year change in net income	-25.4% Weak Weak Year-over-year change in net income	55.7% Excellent Excellent Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	38.0% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	52.1% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	72.6% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	78.4% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	52.9% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	13.9% Good ↑ Good Improving Compound annual revenue growth over 3 years	-2.2% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-8.3% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-10.9% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	0.3% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	12.7% Good ↑ Good Improving Compound annual revenue growth over 3 years	14.4% Good Good Compound annual revenue growth over 3 years	-13.0% Weak Weak Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	56.3% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	64.0% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	54.1% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	39.4% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	25.8% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	5.4% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	-8.1% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	-2.2% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	4.7% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	1.0% Weak Weak Compound annual revenue growth over 5 years	-5.2% Weak Weak Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	27.8% Excellent Excellent Compound annual EPS growth over 3 years	-4.8% Weak Weak Compound annual EPS growth over 3 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Operating Margin (%) (%)	44.9% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+80%)	44.8% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+79%)	31.1% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+25%)	28.7% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+15%)	27.5% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+10%)	-14.8% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-159%)	—	—	—	—	—	31.8% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+27%)	-192.7% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-871%)	—	—	—	—
Effective Tax Rate (%) (%)	24.9% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.6% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.7% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.4% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	-105.1% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	-4.7% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—
Profit Margin (%) (%)	33.7% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+53%)	33.4% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+52%)	23.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+5%)	21.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	56.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+156%)	-14.8% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-167%)	-33.2% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-251%)	25.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+16%)	-16.5% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-175%)	-11.2% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-151%)	-4.0% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-118%)	31.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+44%)	-201.9% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-1018%)	-165.4% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-852%)	-111.1% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-605%)	-159.1% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-823%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-0.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-0.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-0.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-5.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-3.3% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	-2.4% Weak Weak Operating profit relative to total assets Optimal: > 10%	-4.4% Weak Weak Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	13.7% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+14%)	12.7% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+6%)	9.0% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-25%)	6.4% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-46%)	16.3% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+36%)	-4.4% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-137%)	-15.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-227%)	15.0% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+25%)	-23.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-293%)	-12.9% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-207%)	-5.5% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-146%)	53.9% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+349%)	—	-68.0% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-666%)	-55.2% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-560%)	-298.2% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-2585%)	—

⚖️ Is the balance sheet risky? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 6 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Revenue per Share (USD)	$4.22	$4.16	$3.75	$3.16	$2.87	—	—	—	—	—	—	—	—	—	—	—	—
Basic EPS, GAAP (USD)	$1.42	$1.39	$0.87	$0.68	$1.61	—	—	—	—	$-0.38	$-0.17	$1.80	$-8.90	$-6.90	$-32.80	$-412.80	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Book Value per Share (USD)	$10.57	$8.87	$9.66	$8.87	$8.06	$5.57	$2.53	$2.86	$2.27	$2.79	$0.31	$3.20	$-0.27	$2.19	$12.11	$138.40	—
Tangible Book Value per Share (USD)	$10.57	$8.87	$9.66	$8.87	$8.06	$5.57	$2.53	$2.86	$2.27	$2.79	$0.31	$3.20	$-0.27	$2.19	$12.11	$138.40	—
Basic Weighted Avg Shares (shares)	11.70M	9.45M	7.24M	5.95M	3.90M	—	—	—	—	—	—	—	—	—	—	—	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$121.90M	$103.18M	$70.01M	$62.58M	$38.51M	$17.83M	$7.21M	$5.31M	$2.54M	$3.08M	$2.97M	$2.98M	$-216.00K	$6.91M	$6.79M	$2.83M	$11.29M

📋 What is driving earnings? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Sales/Revenue/Turnover (USD)	$49.36M	$39.31M	$27.16M	$18.80M	$11.18M	$5.28M	$3.31M	$3.13M	$3.57M	$3.54M	$4.06M	$5.05M	$3.50M	$2.84M	$3.37M	$5.31M	—
Net Income, GAAP (USD)	$16.65M	$13.12M	$6.28M	$4.02M	$6.30M	$-782.00K	$-1.10M	$796.00K	$-589.00K	$-396.00K	$-163.00K	$1.60M	$-7.08M	$-4.70M	$-3.75M	$-8.45M	—
Operating Cash Flow (USD)	$17.84M	$15.61M	$6.88M	$10.36M	$3.76M	$-1.46M	$-558.00K	$24.00K	$570.00K	—	—	$1.30M	$-2.97M	$-2.66M	$-885.00K	$1.68M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Net Interest Margin (approx.) (%)	3.8%	3.7%	3.0%	2.7%	2.7%	2.1%	2.5%	3.0%	3.7%	3.1%	2.9%	3.6%	2.6%	1.8%	1.9%	2.1%	—
Efficiency Ratio (%) (%)	51.0%	49.5%	54.0%	52.9%	62.1%	95.5%	137.2%	130.6%	116.5%	111.2%	111.9%	67.8%	219.8%	192.8%	214.3%	183.9%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 4 days ago 17 years · 66 quarters

OptimumBank Holdings, Inc.

Analytical Summary

17-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

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