OPHC
OptimumBank Holdings, Inc.
NASDAQ · Financial Services · Banks - Regional · US
$8.98
+0.11%Income statement
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Revenue | |||||
| Total Revenue | 78.6M | 71.1M | 64.3M | 39.2M | 22.8M |
| Cost of Revenue | 24.1M | 23.8M | 27.2M | 16.1M | 7.5M |
| Gross Profit | 54.6M | 47.3M | 37.1M | 23.1M | 15.3M |
| Operating Expenses | |||||
| R&D Expense | — | — | — | — | — |
| SG&A Expense | 6.8M | 1.1M | 11.1M | 8.3M | 5.4M |
| General & Admin Expense | 6.8M | 1.1M | 11.1M | 8.3M | 5.4M |
| Selling & Marketing Expense | — | — | — | — | — |
| Other Expenses | 20.6M | 24.0M | 8.4M | 6.4M | 4.5M |
| Total Operating Expenses | 27.4M | 25.2M | 19.5M | 14.7M | 9.9M |
| Cost and Expenses | 51.5M | 49.0M | 46.6M | 30.8M | 17.4M |
| Operating Income (EBIT) | 27.2M | 22.2M | 17.6M | 8.5M | 5.4M |
| Non-Operating | |||||
| Interest Income | 72.7M | 64.4M | 59.6M | 35.8M | 19.9M |
| Interest Expense | 24.1M | 21.8M | 24.9M | 12.1M | 4.0M |
| Net Interest Income | 48.5M | 42.6M | 34.7M | 23.7M | 15.8M |
| Other Non-Op Income/Expense | — | — | — | — | — |
| Non-Operating Income (excl Interest) | — | — | — | — | — |
| EBT (Pre-Tax Income) | 27.2M | 22.2M | 17.6M | 8.5M | 5.4M |
| Income Tax Expense | 6.7M | 5.5M | 4.5M | 2.2M | 1.4M |
| Bottom Line | |||||
| Net Income | 20.5M | 16.6M | 13.1M | 6.3M | 4.0M |
| Earnings from Cont. Ops | 20.5M | 16.6M | 13.1M | 6.3M | 4.0M |
| Earnings from Discont. Ops | — | — | — | — | — |
| Bottom Line Net Income | 20.5M | 16.6M | 13.1M | 6.3M | 4.0M |
| Per Share | |||||
| Basic EPS | $1.73 | $1.42 | $1.39 | $0.87 | $0.68 |
| Diluted EPS | $1.70 | $1.36 | $1.33 | $0.87 | $0.68 |
| Revenue Per Share | $6.58 | $6.05 | $6.80 | $5.42 | $3.84 |
| Shares | |||||
| Basic Shares Outstanding | 12.0M | 11.8M | 9.4M | 7.2M | 6.0M |
| Diluted Shares Outstanding | 12.0M | 12.3M | 9.9M | 7.2M | 6.0M |
| Profitability Metrics | |||||
| EBITDA | 27.5M | 23.1M | 18.2M | 9.0M | 6.0M |
| D&A | 358.0K | 884.0K | 599.0K | 560.0K | 569.0K |
| EBIT | 27.2M | 22.2M | 17.6M | 8.5M | 5.4M |
As reported, in the filing currency · TTM sums the four latest quarters; MRQ is the latest quarter · Negatives in parentheses; a dash is a line the filing does not carry · Data as of Jun 1, 2026