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

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

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Columns are period end dates

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