OPHCNYSENational Commercial BanksFiscal year ends December 31
OptimumBank Holdings, Inc.
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 10, 2026
$8.69−0.10 (-1.14%)
Close on Oct 19, 2026
- Market cap
- $205.91M
- P/E (TTM)
- 12.2
- Dividend yield
- –
Margins
Share of revenue, fiscal years 2011 to 2025
Net margin
33.7%+48.5 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +25.6% | +38.0% | +56.3% | +28.4% | |
| Net income | +26.9% | +60.5% | – | – | |
| EPS, diluted | +12.7% | +1.4% | – | – | |
| Free cash flow | +15.9% | +19.1% | – | +39.6% |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | -13.1% | -6.2% | 14.8% | |
| Return on assets | -0.3% | -0.4% | 1.6% | |
| Capex to revenue | 2.9% | 3.8% | 1.8% | |
| Diluted shares | 1M | 3M | 12M |
Where the cash went
Fiscal 2021 to 2025, five years combined
OptimumBank generated $54.45M from operations and spent $3.26M on capital expenditure, dividends and share buybacks. 100% of that went back into the business.
Generated
$54.45M
Used
$3.26M
Capital expenditure$3.26M100%Dividends$00%Share buybacks$00%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin33.7%
×Asset turnover0.05×
×Equity multiplier9.08×
=Return on equity, FY202514.8%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 33.7% | 0.05× | 9.08× | 14.8% |
| FY2024 | 33.4% | 0.05× | 9.96× | 15.2% |
| FY2023 | 23.1% | 0.04× | 10.38× | 9.5% |
| FY2022 | 21.4% | 0.04× | 9.27× | 8.0% |
| FY2021 | 56.3% | 0.04× | 10.42× | 22.3% |
| FY2020 | -14.8% | 0.03× | 14.45× | -6.2% |
| FY2019 | -33.2% | 0.03× | 18.08× | -17.6% |
| FY2018 | 25.4% | 0.03× | 24.88× | 20.3% |
| FY2017 | -16.5% | 0.03× | 38.32× | -20.9% |
| FY2016 | -11.2% | 0.03× | 40.87× | -13.1% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
5of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$16.65M
- Cash generatingOperating cash flow above zero$17.84M
- Return on assets improvedROA up on the prior year1.7% → 1.8%
- Earnings backed by cashOperating cash flow above net income$17.84M vs $16.65M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise9M → 12M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.05 → 0.05