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Stocks · Financials · National Commercial Banks

OptimumBank Holdings, Inc.

OPHC Clue Score28
United States Fiscal year ends December CIK 0001288855
$8.63 -0.80% Close, 12 Oct 2026
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Price $8.63 +63.76% Close, 12 Oct 2026

Closing prices at the end of each trading day, from 13 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
Net income
Fiscal year 2016Net income−0.4EPS, diluted−0.38Fiscal year 2017Net income−0.6EPS, diluted−0.53Fiscal year 2018Net income0.8Fiscal year 2019Net income−1.1 −238.2%Fiscal year 2020Net income−0.8Fiscal year 2021Net income6.3Fiscal year 2022Net income4.0 −36.1%EPS, diluted0.68Fiscal year 2023Net income6.3 +56.2%EPS, diluted0.87Fiscal year 2024Net income13.1 +108.9%EPS, diluted0.63Fiscal year 2025Net income16.6 +26.9%EPS, diluted0.71
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net income −0.4 −0.6 0.8 −1.1 −0.8 6.3 4.0 6.3 13.1 16.6
Growth −238.2% −36.1% +56.2% +108.9% +26.9%
EPS, diluted −0.38 −0.53 n/a n/a n/a n/a 0.68 0.87 0.63 0.71

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow0.6Capital expenditure−0.1Free cash flow0.5Fiscal year 2017Operating cash flow0.6Capital expenditure−0.1Free cash flow0.5 +5.8%Fiscal year 2018Operating cash flow0.0Capital expenditure−0.2Free cash flow−0.2 −144.1%Fiscal year 2019Operating cash flow−0.6Capital expenditure−0.5Free cash flow−1.1Fiscal year 2020Operating cash flow−1.5Capital expenditure−0.2Free cash flow−1.7Fiscal year 2021Operating cash flow3.8Capital expenditure−0.4Free cash flow3.4Fiscal year 2022Operating cash flow10.4Capital expenditure−0.3Free cash flow10.0 +196.8%Fiscal year 2023Operating cash flow6.9Capital expenditure−0.7Free cash flow6.2 −38.1%Fiscal year 2024Operating cash flow15.6Capital expenditure−1.0Free cash flow14.6 +135.2%Fiscal year 2025Operating cash flow17.8Capital expenditure−0.9Free cash flow16.9 +15.9%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 0.6 0.6 0.0 −0.6 −1.5 3.8 10.4 6.9 15.6 17.8
Capital expenditure −0.1 −0.1 −0.2 −0.5 −0.2 −0.4 −0.3 −0.7 −1.0 −0.9
Free cash flow 0.5 0.5 −0.2 −1.1 −1.7 3.4 10.0 6.2 14.6 16.9
Growth +5.8% −144.1% +196.8% −38.1% +135.2% +15.9%

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Shareholders’ equity 3.1 2.5 5.3 7.2 17.8 38.5 62.6 70.0 103.2 121.9

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Spending
n/a n/a n/a n/a n/a −105.1% 25.4% 25.7% 25.6% 24.9%
Returns
−12.9% −23.1% 15.0% −15.3% −4.4% 16.3% 6.4% 9.0% 12.7% 13.7%
−0.3% −0.6% 0.8% −0.9% −0.3% 1.8% 0.7% 0.8% 1.4% 1.5%
Balance and payout
97.4% 97.3% 94.7% 94.3% 92.4% 89.1% 89.3% 91.2% 88.9% 89.0%