OptimumBank Holdings, Inc. (OPHC)
NYSEAMERICAN: OPHC · Real-Time Price · USD
4.100
+0.050 (1.23%)
Dec 5, 2025, 4:00 PM EST - Market closed
OptimumBank Holdings Income Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | 2019 - 2015 |
|---|---|---|---|---|---|---|---|
Period Ending | Sep '25 Sep 30, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | Dec '20 Dec 31, 2020 | 2019 - 2015 |
| Interest Income on Loans | 55.39 | 52.05 | 31.76 | 17.95 | 9.76 | 6.41 | Upgrade
|
| Interest Income on Investments | 7.17 | 7.58 | 4.02 | 1.93 | 0.63 | 0.3 | Upgrade
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| Total Interest Income | 62.56 | 59.63 | 35.78 | 19.88 | 10.39 | 6.71 | Upgrade
|
| Interest Paid on Deposits | 21.88 | 22.96 | 11.6 | 3.23 | 0.65 | 1.28 | Upgrade
|
| Interest Paid on Borrowings | 0.73 | 1.98 | 0.47 | 0.81 | 0.33 | 0.44 | Upgrade
|
| Total Interest Expense | 22.61 | 24.94 | 12.07 | 4.05 | 0.99 | 1.72 | Upgrade
|
| Net Interest Income | 39.95 | 34.69 | 23.71 | 15.84 | 9.4 | 4.99 | Upgrade
|
| Net Interest Income Growth (YoY) | 22.55% | 46.29% | 49.74% | 68.40% | 88.46% | 59.53% | Upgrade
|
| Gain (Loss) on Sale of Assets | - | - | - | - | 0.34 | - | Upgrade
|
| Other Non-Interest Income | 6.12 | 4.62 | 3.45 | 2.96 | 1.43 | 0.02 | Upgrade
|
| Total Non-Interest Income | 6.12 | 4.62 | 3.45 | 2.96 | 1.77 | 0.29 | Upgrade
|
| Non-Interest Income Growth (YoY) | 33.08% | 33.92% | 16.62% | 66.86% | 503.40% | - | Upgrade
|
| Revenues Before Loan Losses | 46.07 | 39.31 | 27.17 | 18.8 | 11.18 | 5.28 | Upgrade
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| Provision for Loan Losses | 2.25 | 2.22 | 4.05 | 3.47 | 1.17 | 1.02 | Upgrade
|
| Revenue | 43.82 | 37.09 | 23.12 | 15.33 | 10.01 | 4.26 | Upgrade
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| Revenue Growth (YoY) | 26.98% | 60.44% | 50.80% | 53.22% | 134.64% | 34.34% | Upgrade
|
| Salaries and Employee Benefits | 12.4 | 10.61 | 7.77 | 5.08 | 3.45 | 2.11 | Upgrade
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| Occupancy Expenses | 0.78 | 0.51 | 0.43 | 0.44 | 0.44 | 0.4 | Upgrade
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| Federal Deposit Insurance | 0.73 | 0.8 | 0.55 | 0.26 | 0.16 | 0.16 | Upgrade
|
| Selling, General & Administrative | 5.23 | 4.5 | 3.36 | 2.48 | 1.77 | 1.5 | Upgrade
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| Other Non-Interest Expense | 3.67 | 3.04 | 2.17 | 1.69 | 1.12 | 0.88 | Upgrade
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| Total Non-Interest Expense | 22.79 | 19.46 | 14.29 | 9.94 | 6.94 | 5.05 | Upgrade
|
| EBT Excluding Unusual Items | 21.03 | 17.63 | 8.83 | 5.39 | 3.07 | -0.78 | Upgrade
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| Legal Settlements | - | - | -0.38 | - | - | - | Upgrade
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| Pretax Income | 21.03 | 17.63 | 8.46 | 5.39 | 3.07 | -0.78 | Upgrade
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| Income Tax Expense | 5.28 | 4.51 | 2.17 | 1.37 | -3.23 | - | Upgrade
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| Net Income | 15.75 | 13.12 | 6.28 | 4.02 | 6.3 | -0.78 | Upgrade
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| Net Income to Common | 15.75 | 13.12 | 6.28 | 4.02 | 6.3 | -0.78 | Upgrade
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| Net Income Growth | 34.33% | 108.88% | 56.18% | -36.10% | - | - | Upgrade
|
| Basic Shares Outstanding | 11 | 9 | 7 | 6 | 4 | 3 | Upgrade
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| Diluted Shares Outstanding | 12 | 10 | 7 | 6 | 4 | 3 | Upgrade
|
| Shares Change (YoY) | -29.99% | 36.00% | 21.56% | 52.72% | 32.88% | 54.28% | Upgrade
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| EPS (Basic) | 1.37 | 1.39 | 0.87 | 0.68 | 1.61 | -0.27 | Upgrade
|
| EPS (Diluted) | 1.30 | 1.33 | 0.87 | 0.68 | 1.61 | -0.27 | Upgrade
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| EPS Growth | 89.25% | 53.23% | 28.48% | -58.16% | - | - | Upgrade
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| Effective Tax Rate | 25.11% | 25.56% | 25.71% | 25.39% | - | - | Upgrade
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Source: S&P Capital IQ. Banks template. Financial Sources.