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: –

OptimumBank Holdings, Inc. income statement

Annual Quarterly TTM

Millions of USD, except per-share data. Shares in millions.

Line item	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31	FY 2020 2020-12-31	FY 2019 2019-12-31	FY 2018 2018-12-31	FY 2017 2017-12-31	FY 2016 2016-12-31	FY 2015 2015-12-31	FY 2014 2014-12-31	FY 2013 2013-12-31	FY 2012 2012-12-31	FY 2011 2011-12-31	FY 2010 2010-12-31
Revenue	49	39	27	19	11	5.28	3.31	3.13	3.57	3.54	4.06	5.05	3.51	2.84	3.37	5.31
Advertising Expenses	0.19	0.29	0.10	0.06	0.03	0.01	0.02	0.04	0.07	0.01	0.01	5.40	5.40	0.04	0.01	–
Interest Expense	–	–	12	4.05	0.99	1.72	2.05	1.25	1.20	1.08	0.88	0.91	1.92	2.58	3.43	4.87
Gain (Loss) on Sale of Assets	–	–	–	–	–	–	-0.22	–	–	–	–	–	–	–	–	–
Legal Settlements	–	–	-0.38	–	–	–	–	–	–	–	–	–	–	–	–	–
Pretax Income	22	18	8.46	5.39	3.07	-0.78	-1.15	0.80	-0.59	-0.40	-0.48	1.61	-6.76	–	-3.71	-8.10
Income Tax Expense	5.52	4.51	2.17	1.37	-3.23	–	-0.05	-0.11	0.08	–	-0.32	–	0.32	0	0.04	0.35
Net Income	17	13	6.28	4.02	6.30	-0.78	-1.10	0.80	-0.59	-0.40	-0.16	1.61	-7.08	-4.70	-3.75	-8.45
EPS (Basic)(per share)	1.42	1.39	0.87	0.68	1.61	-0.27	-0.58	0.53	-0.53	-0.38	-0.17	1.85	-8.90	-6.90	-30.75	-387.00
EPS (Diluted)(per share)	0.71	0.63	0.87	0.68	1.61	-0.27	-0.58	0.53	-0.53	-0.38	-0.17	1.85	-8.90	-6.90	-30.75	-387.00
Shares Outstanding (Basic, Weighted)(shares)	12	9.45	7,239	5.95	3.90	2.93	1.90	1.49	1.10	1.04	0.95	0.87	0.79	0.68	0.12	–
Shares Outstanding (Diluted, Weighted)(shares)	12	9.45	7,239	5.95	3.90	2.93	1.90	1.49	1.10	1.04	0.95	0.87	0.79	0.68	0.12	–
Total Interest Income	64	60	36	20	10	6.71	5.17	4.29	4.72	4.76	4.53	5.39	5.28	5.16	6.42	8.79
Net Interest Income	43	35	24	16	9.40	4.99	3.13	3.05	3.52	3.69	3.65	4.48	3.36	2.58	3.00	3.92
Non-Interest Income	6.77	4.62	3.45	2.96	1.77	0.29	0.18	0.08	0.05	-0.14	0.41	0.57	0.14	0.26	0.38	1.39
Provision for Credit Losses	1.93	2.37	3.76	3.47	1.17	1.02	-0.08	-1.75	–	–	–	–	2.19	1.65	-0.15	3.65
Non-Interest Expense	25	19	15	9.94	6.94	5.05	4.54	4.09	4.16	3.94	4.55	3.45	7.70	5.47	7.23	9.77

Italic numbers are calculated by StockData (for example Q4 = full year − nine months). Per-share data and share counts are adjusted for stock splits. Hover a number for its source; click it to open the filing on SEC.gov. Click a row to chart it.

Ratios

Latest available, balances at Jun 30, 2026

Profitability, TTM

Gross margin: –
Operating margin: –
Net margin: 34.9%
Return on equity, FY2025: 14.8%

Financial strength

Current ratio: –
Debt to equity: –
Debt to assets: –
Cash to current liabilities: –

Valuation

P/E ratio: 12.2
Price to sales: 3.50
Price to book: 1.53
Dividend yield: –