OptimumBank Holdings, Inc. OPHC
company. These statements are not historical facts and include expressions concerning the future that are subject to risks and uncertainties.
either nationally or regionally, that are less favorable than expected resulting in, among other things, a deterioration in credit
conditions and the rate of inflation.
used in this Annual Report, the words "believes," "estimates," "plans," "expects," "should,"
Last close
8.98
2026-09-04
Market cap
$110.2M
2026-03-31 share count
52-week range
3.91 - 10.68
Valuation FY2025 figures against the last close
P/S1.7x
P/E12.6x
P/FCF6.5x
EV/EBITDA—
Dividend yield—
Diluted EPS0.71
Annual financial statements
Income statement
| Fiscal year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $64.4M | $59.6M | $35.8M | $19.9M | $10.4M | $6.7M | $5.2M | $4.3M | $4.7M | $4.8M |
| Interest expense | $42.6M | $34.7M | $23.7M | $4.0M | $985.0K | $1.7M | $2.0M | $1.2M | $1.2M | $1.1M |
| Pre-tax income | $22.2M | $17.6M | $8.5M | $5.4M | $3.1M | -$782.0K | -$1.2M | $796.0K | -$589.0K | -$396.0K |
| Income tax | $5.5M | $4.5M | $2.2M | $1.4M | $3.2M | — | $52.0K | — | — | — |
| Net income | $16.6M | $13.1M | $6.3M | $4.0M | $6.3M | -$782.0K | -$1.1M | $796.0K | -$589.0K | -$396.0K |
| EPS, basic | 1.42 | 1.39 | 0.87 | 0.68 | 1.61 | — | — | — | -0.53 | -0.38 |
| EPS, diluted | 0.71 | 0.63 | 0.87 | 0.68 | 1.61 | -0.27 | -0.58 | 0.53 | -0.53 | -0.38 |
| Shares, diluted (wtd. avg.) | $11.7M | $9.4M | $7.24B | $6.0M | $3.9M | — | — | — | — | — |
Balance sheet
| Fiscal year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash and equivalents | $9.3M | $14.0M | $14.0M | $19.8M | $13.7M | $25.5M | $2.1M | $1.9M | $1.2M | $17.6M |
| Short-term investments | — | $0 | $0 | $0 | $0 | $0 | — | — | — | — |
| Property, plant and equipment | $2.5M | $2.1M | $1.4M | $934.0K | $843.0K | $1.4M | $1.4M | $2.7M | $2.6M | $2.6M |
| Total assets | $1.11B | $932.9M | $791.3M | $585.2M | $351.9M | $235.1M | $126.7M | $99.5M | $95.9M | $119.7M |
| Total liabilities | $989.8M | $829.7M | $721.2M | $522.6M | $313.4M | $217.3M | $119.5M | $94.1M | $93.3M | $116.6M |
| Retained earnings | $13.8M | -$2.8M | -$16.0M | -$22.1M | -$26.1M | -$32.4M | -$31.6M | -$30.5M | -$31.3M | -$30.7M |
| Total equity | $121.9M | $103.2M | $70.0M | $62.6M | $38.5M | $17.8M | $7.2M | $5.3M | $2.5M | $3.1M |
Cash flow
| Fiscal year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $17.8M | $15.6M | $6.9M | $10.4M | $3.8M | -$1.5M | -$558.0K | $24.0K | $570.0K | $551.0K |
| Depreciation and amortisation | $468.0K | $301.0K | $227.0K | $231.0K | $210.0K | $176.0K | $173.0K | $159.0K | $149.0K | $156.0K |
| Stock-based compensation | $875.0K | $490.0K | $490.0K | $372.0K | $199.0K | $219.0K | $201.0K | — | $21.0K | $46.0K |
| Capital expenditure | $896.0K | $988.0K | $668.0K | $322.0K | $381.0K | $200.0K | $509.0K | $234.0K | $94.0K | $101.0K |
| Investing cash flow | -$156.7M | -$125.5M | -$199.7M | -$229.8M | -$108.8M | -$62.8M | -$25.3M | -$6.0M | $17.5M | $14.4M |
| Financing cash flow | $159.8M | $126.8M | $197.6M | $232.3M | $109.3M | $109.9M | $26.8M | $2.3M | -$24.0M | -$7.6M |
Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0001493152-26-008143.
Others in SIC 6021
| Ticker | Company | Market cap | P/E | Revenue growth |
|---|---|---|---|---|
| JPM | JPMORGAN CHASE & CO | $953.33B | 17.9x | 2.8% |
| BAC | BANK OF AMERICA CORP /DE/ | $438.31B | 16.5x | 6.8% |
| WFC | WELLS FARGO & COMPANY/MN | $272.07B | 14.4x | -3.8% |
| C | CITIGROUP INC | $240.92B | 19.7x | 5.6% |
| COF | CAPITAL ONE FINANCIAL CORP | $136.66B | 54.5x | 36.3% |
| USB | US BANCORP \DE\ | $98.73B | 13.7x | 4.4% |
| PNC | PNC FINANCIAL SERVICES GROUP, INC. | $97.98B | 14.8x | 7.2% |
| TFC | TRUIST FINANCIAL CORP | $63.10B | 13.5x | -2.1% |