OptimumBank Holdings (OPHC) Cash Flow: Operating & Free Cash Flow

OptimumBank Holdings Cash Flow Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

Scale:

Scroll to see more

Cash flow statement showing operating, investing, and financing activities for OptimumBank Holdings, Inc. (OPHC) - 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
Operating Activities
Net Income	16.65	13.12	6.28	4.02	6.30	-0.78	-1.10	0.80	-0.59
Depreciation & Amortization	0.88	0.60	0.56	0.57	0.30	0.33	0.26	0.16	0.15
Deferred Income Tax	-0.46	0.01	0.82	1.37	-3.23	0.00	0.00	0.00	0.00
Stock Based Compensation	0.88	0.49	0.49	0.37	0.20	0.22	0.20	0.00	0.02
Change in Working Capital	-2.03	-0.78	-5.32	0.83	0.13	-2.21	-0.26	0.59	0.79
Change in Accounts Receivable	-0.27	-0.87	-1.03	-0.47	0.37	-0.90	-0.12	0.00	0.06
Change in Other Working Capital	-1.75	0.09	-4.29	1.31	-0.23	-1.31	-0.14	0.58	0.73
Other Operating Activities	-0.63	-0.05	4.04	1.10	-4.34	0.99	0.34	-1.52	0.20
Net Cash from Operating Activities	17.84	15.61	6.88	10.36	3.76	-1.46	-0.56	0.02	0.57
Investing Activities
Capital Expenditures	-0.90	-0.99	-0.67	-0.32	-0.38	-0.20	-0.51	-0.23	-0.09
Purchases of Investments	-2.35	0.00	0.00	0.00	-19.51	-15.72	-4.16	0.00	0.00
Sales/Maturities of Investments	1.30	1.30	1.61	2.64	5.32	4.69	2.49	1.72	8.64
Other Investing Activities	-154.33	-125.78	-200.61	-232.12	-94.19	-51.55	-23.14	-7.50	8.93
Net Cash from Investing Activities	-156.68	-125.47	-199.66	-229.80	-108.76	-62.77	-25.33	-6.02	17.48
Financing Activities
Debt Repayment	0.00	-25.60	65.60	-8.00	-5.00	10.00	-12.16	4.10	-3.00
Common Stock Issued	0.22	17.89	0.32	9.87	3.64	0.54	0.00	0.53	0.03
Other Financing Activities	159.56	134.55	131.68	230.44	110.70	99.39	38.99	-2.31	-21.05
Net Cash from Financing Activities	159.77	126.83	197.61	232.31	109.34	109.93	26.83	2.31	-24.02
Summary
Net Change in Cash	20.93	16.97	4.83	12.87	4.34	45.70	0.95	-3.68	-5.98
Cash at Beginning of Period	93.63	76.66	71.84	58.97	54.63	8.93	7.98	11.67	17.64
Cash at End of Period	114.56	93.63	76.66	71.84	58.97	54.63	8.93	7.98	11.67
Free Cash Flow	16.95	14.62	6.21	10.04	3.38	-1.66	-1.07	-0.21	0.48
Supplemental Disclosures
Interest Paid	-	26.43	11.80	3.93	1.04	-	-	-	-
Income Taxes Paid	-	2.24	1.07	-	-	-	-	-	-

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 Cash Flow

What is OptimumBank Holdings's free cash flow?

OptimumBank Holdings generated free cash flow of $16.95M in fiscal 2025 (fiscal year ended Dec 31, 2025), operating cash flow of $17.84M minus $896.00K of capital expenditures. That was up 15.9% from $14.62M a year earlier. Free cash flow equaled 23.8% of revenue.

How much does OptimumBank Holdings spend on capital expenditures?

OptimumBank Holdings spent $896.00K on capital expenditures in fiscal 2025, compared with $988.00K a year earlier. That equals 5.0% of operating cash flow.

Does OptimumBank Holdings pay dividends or buy back shares?

OptimumBank Holdings's cash flow statement for fiscal 2025 shows no dividend payments or share repurchases.

What is free cash flow?

Free cash flow is operating cash flow minus capital expenditures. It is the cash a company has left for dividends, buybacks, debt repayment or acquisitions after funding its operations and investment. Full definition