SequelSEC

OptimumBank Holdings, Inc. OPHC

National Commercial Banks · CIK 0001288855 · Fiscal year ends 1231 · Bank

AnnualQuarterlyTTM
Revenue
Unavailable
Fiscal year ended 2026-06-30
Net income
$6.66M
Fiscal year ended 2026-06-30
Total assets
$1.40B
Fiscal year ended 2026-06-30

OptimumBank Holdings, Inc. (OPHC) reported net income of $6.66M for the fiscal year ended 2026-06-30. This page shows 10 annual periods of income statement, balance sheet and cash flow figures normalized from OptimumBank Holdings, Inc.’s SEC filings, each linked to the filing it came from. It is classified by the SEC under National Commercial Banks.

Banks, brokers and insurers present a top line that is not comparable with an operating company’s revenue: it is reported net of interest expense, or as premiums earned, depending on the filer. The figures are the filer’s own and are traceable to the filing; the comparison across classes is what does not hold.

Income

OptimumBank Holdings, Inc. income by fiscal year, in US dollars, normalized from SEC filings.
Metric2026-06-302026-03-312025-12-312025-09-302025-06-302025-03-312024-12-312024-09-302024-06-302024-03-31
RevenueUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Cost of revenueUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Gross profitUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Operating incomeUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Net income$6.66M$4.66M$4.85M$4.32M$3.60M$3.87M$3.95M$3.30MUnavailableUnavailable
Research & developmentUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Weighted-average diluted sharesshares 23.69Mshares 23.59M-shares 11.69Mshares 23.41Mshares 23.39Mshares 23.34M-shares 11.03Mshares 21.40MUnavailableUnavailable
Pretax income$8.84M$6.20M$6.46M$5.66M$4.86M$5.20M$5.31M$4.44MUnavailableUnavailable
Income tax expense$2.18M$1.54M$1.60M$1.34M$1.25M$1.33M$1.36M$1.13MUnavailableUnavailable
Diluted EPS$0.28$0.20$0.21$0.18$0.15$0.17$0.18$0.15UnavailableUnavailable
Selling, general & administrativeUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
General & administrativeUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Selling & marketingUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable

Balance

OptimumBank Holdings, Inc. balance by fiscal year, in US dollars, normalized from SEC filings.
Metric2026-06-302026-03-312025-12-312025-09-302025-06-302025-03-312024-12-312024-09-302024-06-302024-03-31
Cash & equivalentsUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Total assets$1.40B$1.27B$1.11B$1.08B$999.13M$977.47M$932.93M$945.19MUnavailableUnavailable
Current assetsUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Total liabilities$1.27B$1.14B$989.78M$966.16M$887.78M$869.46M$829.75M$852.50MUnavailableUnavailable
Current liabilitiesUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Total equity incl. NCI$134.38M$126.85M$121.90M$116.89M$111.35M$108.00M$103.18M$92.70MUnavailableUnavailable
Temporary (mezzanine) equityUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
InventoryUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Accounts receivableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
GoodwillUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Long-term debtUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Accounts payableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable

Cash flow

OptimumBank Holdings, Inc. cash flow by fiscal year, in US dollars, normalized from SEC filings.
Metric2026-06-302026-03-312025-12-312025-09-302025-06-302025-03-312024-12-312024-09-302024-06-302024-03-31
Operating cash flow$10.28M$7.87M$6.63M$1.92M$6.16M$3.14M$5.96M$4.01MUnavailableUnavailable
Capital expenditures$476.00K$439.00K$309.00K$6.00K$298.00K$283.00K$218.00K$152.00KUnavailableUnavailable
Investing cash flow-$125.18M-$133.54M-$149.42M-$29.19M$16.22M$5.72M-$27.24M-$16.78MUnavailableUnavailable
Financing cash flow$121.12M$151.12M$22.26M$80.61M$15.93M$40.98M-$16.68M$40.32MUnavailableUnavailable
Net change in cash$6.22M$25.46M-$120.53M$53.33M$38.30M$49.83M-$37.97M$27.54MUnavailableUnavailable
Stock-based compensation-$1.00K$431.00K$0$579.00K$0$296.00K-$2.00K$0UnavailableUnavailable
Common dividends paidUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Common share repurchasesUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Depreciation & amortization$141.00K$132.00K$127.00K$124.00K$121.00K$96.00K$94.00K$91.00KUnavailableUnavailable

Derived

OptimumBank Holdings, Inc. derived by fiscal year, in US dollars, normalized from SEC filings.
Metric2026-06-302026-03-312025-12-312025-09-302025-06-302025-03-312024-12-312024-09-302024-06-302024-03-31
Free cash flow$9.81M$7.43M$6.32M$1.91M$5.86M$2.85M$5.74M$3.86MUnavailableUnavailable
Gross marginUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Operating marginUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
FCF marginUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
SBC / revenueUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Current ratioUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Revenue YoY growthUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Net marginUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
R&D / revenueUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
CapEx / revenueUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Long-term debt / equityUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Effective tax rate24.7%24.8%24.8%23.7%25.8%25.5%25.6%25.5%UnavailableUnavailable

Amounts are abbreviated; the exact reported value is carried in each cell. — means unavailable, not zero. Open OPHC in the interactive workspace to inspect any figure back to its filing.

Source filings

10-Q · Filed 2026-08-10View SEC filing
10-Q · Filed 2026-05-12View SEC filing
10-K · Filed 2026-02-26View SEC filing
10-Q · Filed 2025-11-10View SEC filing
10-Q · Filed 2025-08-08View SEC filing
10-Q · Filed 2025-05-12View SEC filing

Companies in the same industry

ALRS AMTB AROW ASRV ATLO BAC BANC BANF BCAL BFC BHRB BOKF

Reconciliation checks needing review

8 periods on this page do not reconcile under this site’s normalization. Read that as a limitation here before an observation about the company: the figures are the filer’s own, the filings linked above are authoritative, and a difference usually means the concepts this site selected do not match how this filer presents its statements. Nothing is adjusted to make a check pass.

gross profit bridgeinconsistent2024-06-30

Withheld: cost revenue, revenue could not be reconciled with the rest of this filer’s statement.

balance equationinconsistent2024-06-30

Withheld: assets, equity, liabilities could not be reconciled with the rest of this filer’s statement.

balance equationinconsistent2024-03-31

Withheld: assets, equity, liabilities could not be reconciled with the rest of this filer’s statement.

gross profit bridgeinconsistent2024-03-31

Withheld: cost revenue, revenue could not be reconciled with the rest of this filer’s statement.

gross profit bridgeinconsistent2023-06-30

Withheld: cost revenue, revenue could not be reconciled with the rest of this filer’s statement.

balance equationinconsistent2023-06-30

Withheld: assets, equity, liabilities could not be reconciled with the rest of this filer’s statement.

balance equationinconsistent2023-03-31

Withheld: assets, equity, liabilities could not be reconciled with the rest of this filer’s statement.

gross profit bridgeinconsistent2023-03-31

Withheld: cost revenue, revenue could not be reconciled with the rest of this filer’s statement.