OptimumBank Holdings (OPHC) Financial Ratios

For fiscal 2025 (fiscal year ended Dec 31, 2025), OptimumBank Holdings had a P/E ratio of 2.94 (down from 3.66), return on equity of 14.8% (down from 15.2%), debt-to-equity of 0.43 (down from 0.51) and return on assets of 1.6% (up from 1.5%).

OptimumBank Holdings Financial Ratios Analysis

Valuation, profitability, leverage, and liquidity ratios

Income Statement Balance Sheet Cash Flow Ratios

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Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Valuation Ratios
P/E Ratio	2.94	3.66	4.83	6.88	2.95	-
Forward P/E	5.12	-	-	-	-	-
P/S Ratio	1.04	1.29	1.31	1.81	1.86	2.33
P/B Ratio	0.40	0.47	0.43	0.44	0.48	0.56
Price/Tangible Book	0.40	0.47	0.43	0.44	0.48	0.56
Price/FCF	2.89	3.29	4.88	2.76	5.50	-
Price/OCF	2.75	3.08	4.41	2.67	4.94	-
Enterprise Value Ratios
Profitability & Returns
Return on Equity (ROE)	14.79%	15.16%	9.48%	7.96%	22.35%	-6.25%
Return on Assets (ROA)	1.63%	1.52%	0.91%	0.86%	2.15%	-0.43%
Leverage & Solvency Ratios
Debt/Equity	0.43	0.51	1.11	0.20	0.51	1.46
Debt/FCF	3.11	3.61	12.53	1.21	5.85	-
Liquidity Ratios
Efficiency Ratios
Yield & Distribution Ratios
Earnings Yield	33.96%	27.33%	20.72%	14.53%	33.87%	-7.86%
FCF Yield	34.57%	30.43%	20.50%	36.26%	18.19%	-16.67%
Buyback Yield	-11.73%	-189.54%	-21.56%	-52.72%	-32.88%	-54.28%

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 Ratios

What is OptimumBank Holdings's P/E ratio?

OptimumBank Holdings's P/E ratio was 2.94 for fiscal 2025 (period ended Dec 31, 2025). It was 3.66 a year earlier.

What is OptimumBank Holdings's return on equity?

OptimumBank Holdings's return on equity (ROE) was 14.8% for fiscal 2025 (period ended Dec 31, 2025). It was 15.2% a year earlier.

What is OptimumBank Holdings's debt-to-equity ratio?

OptimumBank Holdings's debt-to-equity ratio was 0.43 for fiscal 2025 (period ended Dec 31, 2025). It was 0.51 a year earlier.

What is return on equity (ROE)?

Return on equity is net income divided by shareholders' equity. It measures how much profit a company generates from the capital its shareholders have invested. Full definition