OptimumBank Holdings (OPHC) Financial Statements & Analysis

OptimumBank Holdings (OPHC) Income Statement

OptimumBank Holdings reported revenue of $71.13M in fiscal 2025 (fiscal year ended Dec 31, 2025), up 10.7% from $64.25M a year earlier. Net income was $16.65M, up 26.9% year over year, a net margin of 23.4%. Gross margin was 66.5% and operating margin 31.2%. In the most recent quarter, Q2 fiscal 2026 (ended Jun 30, 2026), revenue was $17.22M, up 42.6% from the same quarter a year earlier.

OptimumBank Holdings Income Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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OptimumBank Holdings, Inc. income statement - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Revenue & Gross Profit
Revenue	71.13	64.25	23.12	22.84	11.82	7.00	5.36	4.38	4.77
Cost of Revenue	23.80	27.16	16.11	7.51	2.16	2.74	1.97	-0.51	1.20
Gross Profit	47.33	37.09	23.12	15.33	9.67	4.26	3.39	4.88	3.57
Operating Expenses
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Selling, General & Administrative	1.13	11.10	3.75	5.45	3.75	2.41	2.11	1.86	1.87
Operating Expenses	25.15	19.46	14.66	9.94	6.60	5.05	4.54	4.09	4.16
Operating Income	22.17	17.63	8.46	5.39	3.07	-0.78	-1.15	0.80	-0.59
Other Income/Expense
Interest Income	64.35	59.63	35.78	19.88	10.39	6.71	5.17	4.29	4.72
Interest Expense	21.77	24.94	12.07	4.05	0.99	1.72	2.05	1.25	1.20
Other Income/Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Income
Income Before Tax	22.17	17.63	8.46	5.39	3.07	-0.78	-1.15	0.80	-0.59
Income Tax Expense	5.52	4.51	2.17	1.37	-3.23	0.00	-0.05	0.00	0.00
Net Income	16.65	13.12	6.28	4.02	6.30	-0.78	-1.10	0.80	-0.59
Net Income - Continuous Operations	16.65	13.12	6.28	4.02	6.30	-0.78	-1.10	0.80	-0.59
Net Income - Discontinued Operations	-	-	-	-	-	-	-	-	-
EBITDA	23.06	18.23	0.56	5.96	3.37	-0.46	-0.89	0.96	-0.44
EBIT	-	-	-	-	-	-	-	-	-
Depreciation & Amortization	0.88	0.60	0.56	0.57	0.30	0.33	0.26	0.16	0.15
Earnings Per Share
Basic EPS	1.00	1.00	1.00	1.00	2.00	-	-1.00	1.00	-1.00
Diluted EPS	1.00	1.00	1.00	1.00	2.00	-	-1.00	1.00	-1.00
Basic Shares Outstanding	11.75	9.44	7.24	5.95	3.90	2.93	1.90	1.49	1.10
Diluted Shares Outstanding	12.28	9.87	7.24	5.95	3.90	2.93	1.90	1.49	1.10

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About OptimumBank Holdings Financial Statements

What was OptimumBank Holdings's revenue in fiscal 2025?

OptimumBank Holdings reported revenue of $71.13M in fiscal 2025 (fiscal year ended Dec 31, 2025). That was up 10.7% from $64.25M a year earlier.

Is OptimumBank Holdings profitable?

Yes. OptimumBank Holdings earned net income of $16.65M in fiscal 2025, a net margin of 23.4%. In fiscal 2024 it earned $13.12M.

What is OptimumBank Holdings's operating margin?

OptimumBank Holdings's operating income was $22.17M on revenue of $71.13M in fiscal 2025, an operating margin of 31.2%, compared with 27.4% a year earlier.

What is net profit margin?

Net profit margin is net income divided by revenue. It shows how much of each dollar of sales a company keeps as profit after all costs, interest and taxes. Full definition