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

Insider Decisions trades per month

Total buys 0.03

Total sells 0.22

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	1	—	—	—	—	—	—	—	—	—	—
Sell	—	1	—	1	—	—	—	—	—	—	—	—

Insider Ownership 37.38%

Capital & Financial Ratios $m

Market Cap 112.97

Revenue 82.92

Net Income 20.49

Free Cash Flow 26.03

Net Debt (107.24)

Current Ratio 1.12

Debt/Equity 0.29

P/E ratio 5.56

Fwd P/E 6.52

P/S ratio 1.75

P/B ratio 1.08

Past 5Y EPS Growth —

This Y EPS Growth 63.85%

Next Y EPS Growth 12.32%

Next Y revenue growth 11,508.65%

Next 5Y EPS Growth 23.89%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 78.30%

10-year low 10-year high

P/S against its own 10 years 92.70%

10-year low 10-year high

P/B against its own 10 years 67.19%

10-year low 10-year high

Dividends

Payout Ratio —

Annual Dividend Rate —

Annual Dividend Yield —

	total	individual payouts
2020	Powerpack
2019	Powerpack
2018	Powerpack
2017	Powerpack

special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	77	94	115	146
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	750	892	1,065	1,355

	2023	2024	2025	Q'26
Payables	640	772	932	1,214
ST’ Debt	—	—	—	—
Other	—	—	—	—
	640	772	932	1,214

Compound Annual Growth %

	10y	5y	3y
Sales	30.55%	58.98%	46.03%
Cash Flow	39.77%	0.00%	19.86%
Earnings	0.00%	0.00%	60.55%
Book Value	45.00%	46.88%	24.89%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	21	24	—	—	—
’25	16	17	18	19	71
’24	15	16	16	17	64
’23	8	9	10	12	39
’22	4	5	6	8	23
’21	2	3	3	4	12
’20	2	2	2	2	7

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	8	10	—	—	—
’25	3	6	2	7	18
’24	3	3	4	6	16
’23	0	5	1	0	7
’22	2	3	2	4	10
’21	0	1	(2)	4	4
’20	0	(1)	(1)	1	(1)

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	8	10	—	—	—
’25	3	6	2	6	17
’24	2	3	4	6	15
’23	0	5	1	0	6
’22	2	3	2	3	10
’21	0	1	(2)	5	4
’20	0	(1)	(1)	1	(1)

Fiscal quarters ending in the months shown.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	0.20	0.28	—	—	—
’25	0.17	0.15	0.18	0.21	1.42
’24	0.31	0.34	0.15	0.35	1.33
’23	0.16	0.18	0.18	0.35	0.87
’22	0.17	0.16	0.11	0.24	0.68
’21	0.11	0.14	0.21	1.14	1.61
’20	(0.11)	(0.12)	(0.17)	0.12	(0.27)

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	3.25	1.85	2.70	2.12	1.68	3.02	3.33	2.77	3.89	3.53	Analyst estimates 2026–2028 Powerpack
	High	8.13	13.96	7.18	5.06	5.40	7.27	5.38	4.38	5.90	4.94
People
People	Employees	16	16	19	19	27	38	48	60	73	98
	Revenue/emp, $m	0.29	0.30	0.23	0.28	0.26	0.32	0.48	0.65	0.88	0.73
Income, $m
Income, $m	Revenue	5	5	4	5	7	12	23	39	64	71
	Gross margin, %	76.65	74.92	71.53	61.80	75.44	91.90	82.29	69.24	61.19	69.40
	EBT	0	(1)	1	(1)	(1)	3	5	8	18	22
	EBT margin, %	(8.57)	(12.35)	18.19	(21.51)	(11.17)	25.23	23.61	21.56	27.44	31.17
	Net income	0	(1)	1	(1)	(1)	6	4	6	13	17
	Depreciation	0	0	0	0	0	0	0	1	1	1
Per share, $
Per share, $	Revenue	4.44	4.31	2.93	2.82	2.39	3.12	3.84	5.42	6.80	6.08
	Earnings	(0.38)	(0.53)	0.53	(0.58)	(0.27)	1.61	0.68	0.87	1.39	1.42
	Cash flow	0.53	0.52	0.02	(0.29)	(0.50)	0.97	1.74	0.95	1.65	1.53
	Capex	(0.10)	(0.09)	(0.16)	(0.08)	0.16	0.18	(0.05)	(0.09)	(0.10)	(0.08)
	Free cash flow	0.43	0.43	(0.14)	(0.38)	(0.34)	1.14	1.69	0.86	1.55	1.45
	Book value	2.96	2.30	3.55	3.79	6.08	9.88	10.51	9.67	10.92	10.42
	Shares, m	1	1	1	2	3	4	6	7	9	12
Valuation, ×
Valuation, ×	P/E	0.00	0.00	6.25	0.00	0.00	2.46	6.00	4.89	3.45	2.97
	P/S	0.84	1.13	1.02	0.98	1.41	1.26	1.06	0.78	0.70	0.70
	P/B	1.25	2.12	0.84	0.73	0.55	0.40	0.39	0.44	0.44	0.41
	EV/Sales	3.27	4.07	5.97	2.22	(2.81)	(2.11)	(1.64)	0.76	0.02	(0.21)
	EV/FCF	33.55	40.72	(124.37)	(16.62)	19.99	(5.75)	(3.74)	4.78	0.09	(0.88)
Cash, $m
Cash, $m	Operating cash flow	1	1	0	(1)	(1)	4	10	7	16	18
	Capex	0	0	0	0	0	1	0	(1)	(1)	(1)
	Free cash flow	0	0	0	(1)	(1)	4	10	6	15	17
Balance, $m
Balance, $m	Working capital	9	15	23	10	18	15	43	111	120	134
	Total debt	29	26	30	16	25	18	10	76	50	50
	Net debt	11	14	22	7	(30)	(41)	(62)	(1)	(44)	(65)
	Shareholders’ equity	3	3	5	7	18	39	63	70	103	122
Returns, %
Returns, %	ROA	(0.32)	(0.55)	0.82	(0.97)	(0.43)	2.15	0.86	0.91	1.52	1.63
	ROIC	(1.73)	(2.23)	1.85	(5.20)	0.00	0.00	452.96	7.67	18.50	24.17
	ROE	(13.10)	(20.94)	20.28	(17.58)	(6.25)	22.35	7.96	9.48	15.16	14.79

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
RVSB Riverview Bancorp Inc	$119.1M	— (loss-making)	17.7×	+6.30% (above 0%: growing)	+33.33% (above 0%: growing)	+342.43% (above 0%: growing)	75.12%	0.00%	Compare
BSBK Bogota Financial Corporation	$116.5M	43.4×	29.2×	−5.42% (below 0%: shrinking)	+200.00% (above 0%: growing)	+11.78% (above 0%: growing)	43.91%	0.00%	Compare
WSBK Winchester Bancorp, Inc.	$116.0M	26.4×	—	+16.83% (above 0%: growing)	—	−44.14% (below 0%: shrinking)	52.64%	0.00%	Compare
OPHC OptimumBank Holdings, Inc.	$113.0M	5.6×	6.5×	+38.96% (above 0%: growing)	+29.03% (above 0%: growing)	+67.40% (above 0%: growing)	70.97%	0.00%
PROV Provident Financial Holdings, Inc.	$112.9M	17.4×	13.1×	+1.58% (above 0%: growing)	+40.00% (above 0%: growing)	+52.70% (above 0%: growing)	69.62%	0.00%	Compare
UNB Union Bankshares, Inc.	$112.6M	8.8×	—	+8.47% (above 0%: growing)	+15.09% (above 0%: growing)	+1,783.20% (above 0%: growing)	63.79%	0.00%	Compare
SFBC Sound Financial Bancorp, Inc.	$111.8M	13.9×	—	+1.50% (above 0%: growing)	+22.50% (above 0%: growing)	+132.05% (above 0%: growing)	67.71%	0.00%	Compare
BYFC Broadway Financial Corporation	$107.2M	— (loss-making)	— (loss-making)	+27.12% (above 0%: growing)	n/m	+24.68% (above 0%: growing)	55.67%	0.00%	Compare
PBHC Pathfinder Bancorp, Inc.	$106.5M	— (loss-making)	—	+9.22% (above 0%: growing)	n/m	+155.06% (above 0%: growing)	60.96%	0.00%	Compare
Median of peers	$112.7M	17.4×	17.7×	+7.39%	+33.33%	+92.38%	62.38%	0.00%

All 323 Banks Regional stocks →

OptimumBank Holdings, Inc. (OPHC) key facts

Strength: OptimumBank Holdings, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $71.1 million, up 10.7% from fiscal 2024.
OptimumBank Holdings, Inc. (OPHC) is a Banks Regional company in the Financial sector, listed on NYSE American.
As of October 16, 2026, OPHC traded at $8.79, a market capitalization of $113.0 million.
Return on equity was 14.8% and debt-to-equity 0.29.
Its Piotroski F-score is 6 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.