Stocktoria
OptimumBank Holdings, Inc. OPHC
NYSE American · XASE · stock · National Commercial Banks · website · IPO 2003-05-08
OptimumBank Holdings, Inc. financials (annual, from 10-K)
Bars are annual figures from 2016 to 2025; red bars are negative (a loss or cash outflow).
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Interest expense | — | — | $12.1M | $4.0M | $985,000 | $1.7M | $2.0M | $1.2M | $1.2M | $1.1M |
| Income tax | $5.5M | $4.5M | $2.2M | $1.4M | -$3.2M | — | -$52,000 | -$111,000 | $84,000 | — |
| Net income | $16.6M | $13.1M | $6.3M | $4.0M | $6.3M | -$782,000 | -$1.1M | $796,000 | -$589,000 | -$396,000 |
| EPS (diluted) | $0.71 | $0.63 | $0.87 | $0.68 | — | — | — | — | $-0.53 | $-0.38 |
| Operating cash flow | $17.8M | $15.6M | $6.9M | $10.4M | $3.8M | -$1.5M | -$558,000 | $24,000 | $570,000 | $551,000 |
| Free cash flow | $16.9M | $14.6M | $6.2M | $10.0M | $3.4M | -$1.7M | -$1.1M | -$210,000 | $476,000 | $450,000 |
| Total assets | $1.1B | $932.9M | $791.3M | $585.2M | $351.9M | $235.1M | $126.7M | $99.5M | $95.9M | $119.7M |
| Total liabilities | $989.8M | $829.7M | $721.2M | $522.6M | $313.4M | $217.3M | $119.5M | $94.1M | $93.3M | $116.6M |
| Shareholders' equity | $121.9M | $103.2M | $70.0M | $62.6M | $38.5M | $17.8M | $7.2M | $5.3M | $2.5M | $3.1M |
Growth · year-over-year
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net income growth | +26.9% | +108.9% | +56.2% | -36.1% | — | — | -238.2% | — | — | — |
| EPS growth | +12.7% | -27.6% | +27.9% | — | — | — | — | — | — | — |
| Free cash flow growth | +15.9% | +135.2% | -38.1% | +196.8% | — | — | — | -144.1% | +5.8% | -25.4% |
Each column is the change versus the prior fiscal year. Growth off a negative or zero base is shown as “—”. CAGR is the compound annual revenue growth across the years shown.
Source: SEC EDGAR filings · CIK 0001288855 · as of 2025-12-31. Facts from filings plus Stocktoria's own computed scores — not investment advice.