For the twelve months ended Jun 30, 2026, OptimumBank Holdings Inc. reported $58.78M of revenue and $20.49M of net income.
OPHC revenue was $17.18M in fiscal Q2 2026 (ended Jun 30, 2026), up 42.3% from a year earlier and up 14.8% from the prior quarter. For the full fiscal 2025 it was $49.36M, up 25.6% from fiscal 2024. Compound annual growth was +56.3% over 5 years and +28.4% over 10 years. It rose in 8 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.
OPHC net income was $6.66M in fiscal Q2 2026 (ended Jun 30, 2026), up 84.8% from a year earlier and up 42.7% from the prior quarter. For the full fiscal 2025 it was $16.65M, up 26.9% from fiscal 2024. It rose in 3 of the last 4 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.
OPHC diluted EPS was $0.28 in fiscal Q2 2026 (ended Jun 30, 2026), up 86.7% from a year earlier and up 40.0% from the prior quarter. For the full fiscal 2025 it was $0.71, up 12.7% from fiscal 2024.
OPHC free cash flow was $9.81M in fiscal Q2 2026 (ended Jun 30, 2026), up 67.4% from a year earlier and up 32.0% from the prior quarter. For the full fiscal 2025 it was $16.95M, up 15.9% from fiscal 2024. Compound annual growth was +39.6% over 10 years. It rose in 3 of the last 4 fiscal years. Fiscal 2025 is the highest of the 14 fiscal years on file.
| Line item | Dec 31, 2025 | Dec 31, 2024 | Dec 31, 2023 | Dec 31, 2022 | Dec 31, 2021 | Dec 31, 2020 | Dec 31, 2019 | Dec 31, 2018 | Dec 31, 2017 | Dec 31, 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $49.36M | $39.31M | $27.16M | $18.80M | $11.18M | $5.28M | $3.31M | $3.13M | $3.57M | $3.54M |
| Interest expense | - | - | $12.07M | $4.05M | $985.0K | $1.72M | $2.05M | $1.25M | $1.20M | $1.08M |
| Pre-tax income | $22.17M | $17.63M | $8.46M | $5.39M | $3.07M | -$782.0K | -$1.15M | $796.0K | -$589.0K | -$396.0K |
| Income tax | $5.52M | $4.51M | $2.17M | $1.37M | -$3.23M | - | -$52.0K | -$111.0K | $84.0K | - |
| Net income | $16.65M | $13.12M | $6.28M | $4.02M | $6.30M | -$782.0K | -$1.10M | $796.0K | -$589.0K | -$396.0K |
| EPS, basic | $1.42 | $1.39 | $0.87 | $0.68 | $1.61 | -$0.27 | -$0.58 | $0.53 | -$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 |
| Diluted shares | 11.7M | 9.4M | 7.24B | 6.0M | 3.9M | 2.9M | 1.9M | 1.5M | 1.1M | 1.0M |
| Line item | Dec 31, 2025 | Dec 31, 2024 | Dec 31, 2023 | Dec 31, 2022 | Dec 31, 2021 | Dec 31, 2020 | Dec 31, 2019 | Dec 31, 2018 | Dec 31, 2017 | Dec 31, 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Total assets | $1.11B | $932.93M | $791.25M | $585.22M | $351.88M | $235.11M | $126.75M | $99.45M | $95.87M | $119.70M |
| Total liabilities | $989.78M | $829.75M | $721.25M | $522.64M | $313.37M | $217.28M | $119.54M | $94.14M | $93.32M | $116.62M |
| Shareholders' equity | $121.90M | $103.18M | $70.01M | $62.58M | $38.51M | $17.83M | $7.21M | $5.31M | $2.54M | $3.08M |
| Line item | Dec 31, 2025 | Dec 31, 2024 | Dec 31, 2023 | Dec 31, 2022 | Dec 31, 2021 | Dec 31, 2020 | Dec 31, 2019 | Dec 31, 2018 | Dec 31, 2017 | Dec 31, 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $17.84M | $15.61M | $6.88M | $10.36M | $3.76M | -$1.46M | -$558.0K | $24.0K | $570.0K | $551.0K |
| Capital expenditures | $896.0K | $988.0K | $668.0K | $322.0K | $381.0K | $200.0K | $509.0K | $234.0K | $94.0K | $101.0K |
| Free cash flow | $16.95M | $14.62M | $6.21M | $10.04M | $3.38M | -$1.66M | -$1.07M | -$210.0K | $476.0K | $450.0K |
| Investing cash flow | -$156.68M | -$125.47M | -$199.66M | -$229.80M | -$108.76M | -$62.77M | -$25.32M | -$6.02M | $17.48M | $14.37M |
| Financing cash flow | $159.77M | $126.83M | $197.61M | $232.31M | $109.34M | $109.93M | $26.83M | $2.31M | -$24.02M | -$7.64M |
| Stock-based compensation | $875.0K | $490.0K | $490.0K | $372.0K | $199.0K | $219.0K | $201.0K | - | $21.0K | $46.0K |
| Depreciation and amortization | $468.0K | $301.0K | $227.0K | $231.0K | $210.0K | $176.0K | $173.0K | $159.0K | $149.0K | $156.0K |
| Line item | Dec 31, 2025 | Dec 31, 2024 | Dec 31, 2023 | Dec 31, 2022 | Dec 31, 2021 | Dec 31, 2020 | Dec 31, 2019 | Dec 31, 2018 | Dec 31, 2017 | Dec 31, 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue growth, YoY | 25.6% | 44.7% | 44.5% | 68.2% | 111.5% | 59.6% | 5.8% | -12.4% | 0.9% | -12.8% |
| Net income growth, YoY | 26.9% | 108.9% | 56.2% | -36.1% | - | - | - | - | - | - |
| EPS growth, YoY | 12.7% | - | - | - | - | - | - | - | - | - |
| Net margin | 33.7% | 33.4% | 23.1% | 21.4% | 56.3% | -14.8% | -33.2% | 25.4% | -16.5% | -11.2% |
| Free cash flow margin | 34.3% | 37.2% | 22.9% | 53.4% | 30.3% | -31.4% | -32.2% | -6.7% | 13.3% | 12.7% |
| Return on equity | 13.7% | 12.7% | 9.0% | 6.4% | 16.3% | -4.4% | -15.3% | 15.0% | -23.1% | -12.9% |
| Return on assets | 1.5% | 1.4% | 0.8% | 0.7% | 1.8% | -0.3% | -0.9% | 0.8% | -0.6% | -0.3% |
| Line item | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 | Mar 31, 2025 | Dec 31, 2024 | Sep 30, 2024 | Jun 30, 2024 | Mar 31, 2024 | Dec 31, 2023 | Sep 30, 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $17.18M | $14.97M | $13.60M | $13.03M | $12.08M | $10.66M | $10.30M | $10.08M | $9.94M | $8.99M | $8.19M | $6.83M |
| Interest expense | - | - | - | - | - | - | - | - | - | $5.71M | $4.04M | $2.99M |
| Pre-tax income | $8.84M | $6.20M | $6.46M | $5.66M | $4.86M | $5.20M | $5.31M | $4.43M | $4.66M | $3.22M | $3.42M | $1.73M |
| Income tax | $2.18M | $1.53M | $1.60M | $1.34M | $1.25M | $1.33M | $1.36M | $1.13M | $1.17M | $847.0K | $876.0K | $459.0K |
| Net income | $6.66M | $4.66M | $4.85M | $4.32M | $3.60M | $3.87M | $3.95M | $3.30M | $3.50M | $2.38M | $2.55M | $1.27M |
| EPS, basic | $0.40 | $0.39 | - | $0.37 | $0.31 | $0.33 | - | $0.34 | $0.36 | $0.31 | - | $0.18 |
| EPS, diluted | $0.28 | $0.20 | - | $0.18 | $0.15 | $0.17 | - | $0.15 | $0.34 | $0.31 | - | $0.18 |
| Diluted shares | 23.7M | 23.6M | - | 23.4M | 23.4M | 23.3M | - | 21.4M | 10.2M | 7.6M | - | 7.3M |
| Line item | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 | Mar 31, 2025 | Dec 31, 2024 | Sep 30, 2024 | Jun 30, 2024 | Mar 31, 2024 | Dec 31, 2023 | Sep 30, 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total assets | $1.40B | $1.27B | $1.11B | $1.08B | $999.13M | $977.47M | $932.93M | $945.19M | $899.78M | $940.63M | $791.25M | $713.24M |
| Total liabilities | $1.27B | $1.14B | $989.78M | $966.15M | $887.78M | $869.47M | $829.75M | $852.50M | $812.81M | $857.59M | $721.25M | $646.99M |
| Shareholders' equity | $134.38M | $126.85M | $121.90M | $116.89M | $111.35M | $108.00M | $103.18M | $92.69M | $86.97M | $83.04M | $70.01M | $66.25M |
| Line item | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 | Mar 31, 2025 | Dec 31, 2024 | Sep 30, 2024 | Jun 30, 2024 | Mar 31, 2024 | Dec 31, 2023 | Sep 30, 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $10.28M | $7.87M | $6.63M | $1.92M | $6.16M | $3.13M | $5.96M | $4.01M | $3.10M | $2.54M | $339.0K | $1.21M |
| Capital expenditures | $476.0K | $439.0K | $309.0K | $6.0K | $298.0K | $283.0K | $218.0K | $152.0K | $359.0K | $259.0K | $179.0K | $146.0K |
| Free cash flow | $9.81M | $7.43M | $6.33M | $1.91M | $5.86M | $2.85M | $5.74M | $3.86M | $2.74M | $2.29M | $160.0K | $1.06M |
| Investing cash flow | -$125.18M | -$133.54M | -$149.42M | -$29.19M | $16.21M | $5.72M | -$27.24M | -$16.78M | -$6.03M | -$75.42M | -$100.88M | -$55.93M |
| Financing cash flow | $121.12M | $151.12M | $22.26M | $80.61M | $15.93M | $40.98M | -$16.68M | $40.32M | -$44.12M | $147.32M | $73.21M | $80.34M |
| Stock-based compensation | -$1.0K | $431.0K | $0 | $579.0K | $0 | $296.0K | -$2.0K | $0 | $185.0K | $307.0K | $0 | $0 |
| Depreciation and amortization | $141.0K | $132.0K | $127.0K | $124.0K | $121.0K | $96.0K | $94.0K | $91.0K | $61.0K | $55.0K | $55.0K | $57.0K |
| Line item | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 | Mar 31, 2025 | Dec 31, 2024 | Sep 30, 2024 | Jun 30, 2024 | Mar 31, 2024 | Dec 31, 2023 | Sep 30, 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue growth, YoY | 42.3% | 40.5% | 32.0% | 29.3% | 21.5% | 18.5% | 25.9% | 47.6% | 56.2% | 55.3% | 51.5% | 36.6% |
| Net income growth, YoY | 84.8% | 20.5% | 22.8% | 30.9% | 3.0% | 62.8% | 55.0% | 160.2% | 166.5% | 106.2% | 64.5% | 88.6% |
| EPS growth, YoY | 86.7% | 17.6% | - | 20.0% | - | - | - | - | - | 93.8% | - | 63.6% |
| Net margin | 38.7% | 31.1% | 35.7% | 33.2% | 29.8% | 36.3% | 38.3% | 32.8% | 35.2% | 26.4% | 31.1% | 18.6% |
| Free cash flow margin | 57.1% | 49.6% | 46.5% | 14.7% | 48.5% | 26.8% | 55.7% | 38.3% | 27.5% | 25.4% | 2.0% | 15.6% |
Source: XBRL data OptimumBank Holdings Inc. files with the SEC, latest filing dated Aug 10, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.
* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.
Per-share figures and share counts are restated for stock splits the filings show: 1-for-4, first reported Aug 14, 2013; 1-for-10, first reported Mar 25, 2016.
EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.
| Company | Revenue | Growth | Net income | Net margin | Market cap |
|---|---|---|---|---|---|
| OPHC | $58.78M | +36.3% | $20.49M | 34.9% | $114.2M |
| JPM | $203.15B | +13.2% | $65.98B | 32.5% | $908.43B |
| BAC | $120.16B | +5.4% | $32.24B | 26.8% | $348.81B |
| WFC | $87.23B | +5.4% | $22.97B | 26.3% | $256.63B |
| C | $85.22B | +5.6% | $14.31B | 16.8% | $201.89B |
| UBS | $49.57B | +2.0% | $7.80B | 15.7% | $151.93B |
| MFG | ¥8.79T | +7.6% | ¥1.16T | 13.2% | $122.19B |
| COF | $63.01B | +31.2% | $10.87B | 17.2% | $119.45B |
| BNS | C$37.74B | +12.1% | C$7.79B | 20.6% | $114.51B |