OPHC
OptimumBank Holdings, Inc.
NYSE MKT: OPHC · FINANCIAL SERVICES · BANKS - REGIONAL
$5.46
-0.73% today
Updated 2026-04-30
Market cap
$67.65M
P/E ratio
9.42
P/S ratio
1.43x
EPS (TTM)
$0.59
Dividend yield
—
52W range
$4 – $6
Volume
0.0M
OptimumBank Holdings, Inc. (OPHC) Financial statements
SEC filings — annual and quarterly data.
Income statement — annual
| Item | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $14.82M | $16.52M | $15.96M | $14.04M | $10.18M | $6.80M | $5.01M | $5.06M | $5.96M | $4.95M | $4.62M | $4.77M | $4.38M | $5.36M | $7.00M | $11.82M | $22.84M | $39.23M | $64.25M | $71.13M |
| Revenue growth (YoY) | — | +11.4% | -3.3% | -12.0% | -27.5% | -33.2% | -26.3% | +1.0% | +17.8% | -17.1% | -6.6% | +3.2% | -8.2% | +22.4% | +30.8% | +68.8% | +93.2% | +71.8% | +63.8% | +10.7% |
| Cost of revenue | $8.33M | $10.18M | $10.59M | $24.14M | $8.51M | $3.28M | $4.23M | $4.11M | $911000.00 | $884000.00 | $1.08M | $1.20M | $-508000.00 | $1.97M | $2.74M | $2.16M | $7.51M | $16.11M | $27.16M | $23.80M |
| Gross profit | $6.49M | $6.34M | $5.38M | $-10.11M | $1.67M | $3.52M | $777000.00 | $949000.00 | $5.05M | $4.06M | $3.54M | $3.57M | $4.88M | $3.39M | $4.26M | $9.66M | $15.33M | $23.12M | $37.09M | $47.33M |
| Gross margin | 43.8% | 38.4% | 33.7% | -72.0% | 16.4% | 51.8% | 15.5% | 18.7% | 84.7% | 82.1% | 76.6% | 74.9% | 111.6% | 63.3% | 60.9% | 81.7% | 67.1% | 58.9% | 57.7% | 66.5% |
| R&D | — | — | — | — | — | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | — | — | — | — | — | — | — |
| SG&A | $2.00M | $2.06M | $2.46M | $2.31M | $2.89M | $2.19M | $2.03M | $2.35M | $2.10M | $2.02M | $1.88M | $1.86M | $1.86M | $2.11M | $2.41M | $3.75M | $5.45M | $8.26M | $11.10M | $1.13M |
| Operating income | $2.92M | $2.75M | $833000.00 | $-14.98M | $-8.10M | $-3.71M | $-4.70M | $-6.75M | $1.60M | $-483000.00 | $-396000.00 | $-589000.00 | $796000.00 | $-1.15M | $-782000.00 | $3.07M | $5.39M | $8.46M | $17.63M | $22.17M |
| Operating margin | 19.7% | 16.6% | 5.2% | -106.7% | -79.6% | -54.5% | -93.7% | -133.4% | 26.9% | -9.8% | -8.6% | -12.4% | 18.2% | -21.5% | -11.2% | 26.0% | 23.6% | 21.6% | 27.4% | 31.2% |
| EBITDA | $3.79M | $3.34M | $1.03M | $-14.80M | $-7.95M | $-3.60M | $-4.57M | $-6.56M | $1.78M | $-326000.00 | $-240000.00 | $-440000.00 | $955000.00 | $-890000.00 | $-455000.00 | $3.37M | $5.96M | $9.02M | $18.23M | $23.05M |
| EBITDA margin | 25.6% | 20.2% | 6.5% | -105.4% | -78.0% | -52.9% | -91.2% | -129.5% | 29.9% | -6.6% | -5.2% | -9.2% | 21.8% | -16.6% | -6.5% | 28.5% | 26.1% | 23.0% | 28.4% | 32.4% |
| EBIT | $2.92M | $2.75M | $833000.00 | $-14.98M | $-8.10M | $-3.71M | $-4.70M | $-6.75M | $1.60M | $-483000.00 | $-396000.00 | $-589000.00 | $796000.00 | $-1.15M | $-782000.00 | $3.07M | $5.39M | $8.46M | $17.63M | $22.17M |
| Interest expense | $8.06M | $9.70M | $9.21M | $8.35M | $4.87M | $3.43M | $2.58M | $1.92M | $911000.00 | $884000.00 | $1.08M | $1.20M | $1.25M | $2.05M | $1.72M | $985000.00 | $4.05M | $12.07M | $24.94M | $21.77M |
| Income tax | $1.08M | $1.00M | $313000.00 | $-3.50M | $349000.00 | $41000.00 | $2.17M | $320000.00 | $911000.00 | $-320000.00 | $1.08M | $0.00 | $-2141.00 | $-52000.00 | $-782000.00 | $-3.23M | $1.37M | $2.17M | $4.51M | $5.52M |
| Effective tax rate | 37.1% | 36.5% | 37.6% | 23.4% | -4.3% | -1.1% | -86.0% | -4.7% | 36.2% | 66.3% | 158.0% | 0.0% | -0.3% | 4.5% | 50.0% | -105.1% | 25.4% | 25.7% | 25.6% | 24.9% |
| Net income | $1.83M | $1.74M | $520000.00 | $-11.48M | $-8.45M | $-3.75M | $-4.70M | $-7.08M | $1.60M | $-163000.00 | $-396000.00 | $-589000.00 | $796000.00 | $-1.10M | $-782000.00 | $6.30M | $4.02M | $6.28M | $13.12M | $16.65M |
| Net income growth (YoY) | — | -5.0% | -70.1% | -2307.9% | +26.4% | +55.7% | -25.4% | -50.6% | +122.7% | -110.2% | -142.9% | -48.7% | +235.1% | -238.2% | +28.9% | +905.1% | -36.1% | +56.2% | +108.9% | +26.9% |
| Profit margin | 12.4% | 10.5% | 3.3% | -81.8% | -83.0% | -55.1% | -93.7% | -139.8% | 26.9% | -3.3% | -8.6% | -12.4% | 18.2% | -20.5% | -11.2% | 53.3% | 17.6% | 16.0% | 20.4% | 23.4% |