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Research & education only — not financial advice.TENK is not a registered investment adviser; calls are impersonal, generated from SEC filings and a delayed/third-party price feed, and may be wrong or out of date. The operator and an affiliated trading operation may hold or trade the securities TENK rates — see Disclosures. Do your own research.

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TTENK/calls
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TTENK/calls
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Home›OPHC›Financials
Annual statements · SEC XBRL · FY2016 – FY2025

OptimumBank Holdings, Inc. (OPHC) financials

Income statement

OptimumBank Holdings, Inc. (OPHC) income statement, annual, from SEC filings
Fiscal yearFY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net income-$396K-$589K$796K-$1.10M-$782K$6.30M$4.02M$6.28M$13.1M$16.6M
EPS (diluted)-$0.38-$0.53$0.53-$0.58-$0.27$1.61$0.68$0.87$0.63$0.71

Cash flow

OptimumBank Holdings, Inc. (OPHC) cash flow, annual, from SEC filings
Fiscal yearFY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow$551K$570K$24.0K-$558K-$1.46M$3.76M$10.4M$6.88M$15.6M$17.8M
Capital expenditures$101K$94.0K$234K$509K$200K$381K$322K$668K$988K$896K
Free cash flow$450K$476K-$210K-$1.07M-$1.66M$3.38M$10.0M$6.21M$14.6M$16.9M

Balance sheet

OptimumBank Holdings, Inc. (OPHC) balance sheet, annual, from SEC filings
Fiscal yearFY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Total assets$120M$95.9M$99.5M$127M$235M$352M$585M$791M$933M$1.11B
Total liabilities$117M$93.3M$94.1M$120M$217M$313M$523M$721M$830M$990M
Shareholders' equity$3.08M$2.54M$5.31M$7.21M$17.8M$38.5M$62.6M$70.0M$103M$122M
Retained earnings-$30.7M-$31.3M-$30.5M-$31.6M-$32.4M-$26.1M-$22.1M-$16.0M-$2.85M$13.8M
Shares (wtd avg diluted)1.10M1.12M1.86M2.85M3.20M3.90M5.95M7.24B9.45M11.7M

Every figure is extracted from OptimumBank Holdings, Inc.’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.

Common questions

What is OptimumBank Holdings, Inc.'s free cash flow?
$16.9M in FY2025 (operating cash flow $17.8M minus $896K of capital expenditures), from the SEC cash-flow statement.
Does OPHC pay a dividend?
OptimumBank Holdings, Inc. reported no cash dividends paid in FY2025, per its SEC cash-flow statement.
Full OPHC analysis — verdict, score & filings →Is OPHC a buy? →

Research and education only — not financial advice. TENKis not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities TENK rates; see Disclosures. Past performance does not guarantee future results. Do your own research.