Saturday 17 October 2026 Export OPHC’s income statement to Excel — free account

OptimumBank Holdings, Inc.

OptimumBank Holdings, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $71.1 million, up 10.7% from fiscal 2024. In the quarter to June 2026, revenue grew 39.0%, EPS grew 29.0%, free cash flow grew 67.4% and total debt fell 22.0%, each against the same quarter a year earlier. Revenue growth for five consecutive years; insiders bought in the last twelve months.

8.79 0.16 −1.79%

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Market cap: $113.0M
P/E: 5.6×
Fwd P/E: 6.5×
Dividend yield: —
F-score: 6/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

	Older periods	Sep '25	Dec '25	Mar '26	Jun '26
P/E ratio Full definition →	+8 more quarters Free account	2.97	2.97	3.42	3.70
P/S ratio Full definition →		0.70	0.70	0.80	1.16
P/FCF ratio Full definition →		2.95	2.93	2.77	3.71
P/Operating CF Full definition →		25.21	7.49	7.76	9.39
P/B ratio Full definition →		0.41	0.41	0.48	0.72
Price to Tangible BV Full definition →		0.41	0.41	0.48	0.72
EV/Sales Full definition →		(2.57)	(0.21)	(0.51)	(0.13)
EV/EBITDA Full definition →		0.00	0.00	0.00	0.00
EV/Operating CF Full definition →		(10.30)	(0.83)	(1.72)	(0.40)
EV/FCF Full definition →		(10.81)	(0.88)	(1.76)	(0.41)
Quick Ratio Full definition →		0.25	0.12	0.13	0.12
Current Ratio Full definition →		1.09	1.14	1.12	1.12
Net Debt/EBITDA Full definition →		0.00	0.00	0.00	0.00
Debt/Assets Full definition →		0.00%	4.50%	3.15%	2.78%
Debt/Equity Full definition →		0.00	0.41	0.32	0.29
Asset Turnover Full definition →		0.07	0.07	0.07	0.07
Operating CF/Net income Full definition →		0.44	1.37	1.69	1.55
Capex/Depreciation Full definition →		(0.02)	(1.82)	0.68	(3.31)
Research and Development Expense of Revenue Full definition →		0.00%	0.00%	0.00%	0.00%
Selling, General and Administrative Expense of Revenue Full definition →		40.25%	37.26%	41.32%	34.47%
Intangible Assets out of Total Assets Full definition →		0.00	0.00	0.00	0.00
Share Based Compensation of Revenue Full definition →		3.16%	0.00%	2.03%	0.00%
Graham Net Nets Full definition →		1.55	1.52	1.32	0.92
Graham Number Full definition →		17.56	18.31	18.84	17.00
Earnings Yield Full definition →		33.66%	33.65%	29.22%	27.05%
Free Cash Flow Yield Full definition →		33.89%	34.09%	36.15%	26.97%
Revenue per Share Full definition →		1.55	1.64	1.77	1.46
Operating CF per Share Full definition →		0.16	0.57	0.66	0.62
Capex per Share Full definition →		0.00	(0.03)	0.01	(0.03)
Free Cash Flow per Share Full definition →		0.16	0.54	0.67	0.59
Cash per Share Full definition →		19.97	9.79	11.69	8.85
Shareholders Equity per Share Full definition →		9.93	10.42	10.59	8.13
Interest Debt per Share Full definition →		0.00	0.00	0.00	0.00
Book value per Share Full definition →		9.93	10.42	10.59	8.13
Free Cash Flow Full definition →		1.91	6.33	7.99	9.81
Working Capital Full definition →		81.58	133.72	129.66	141.44
Capital Expenditures Full definition →		(0.01)	(0.31)	0.12	(0.48)
Net Current Asset Value Full definition →		74.91	75.69	80.66	88.92
EV/EBIT Full definition →		0.00	0.00	0.00	0.00
Capex to Sales Full definition →		0.00	0.02	(0.01)	0.02
Price to Operating Income Full definition →		2.30	2.24	2.64	3.55
Other line items
Average Payables Full definition →		883.00	851.97	972.91	1,046.46
Average Assets Full definition →		1,014.12	1,022.31	1,123.10	1,200.03
Average Common Equity Full definition →		104.79	112.54	117.43	122.86

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Columns are period end dates

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