OPHC

MKT CAP:$66M

OptimumBank Holdings, Inc.

Market Cap

$66M

Financial Services·Banks - Regional·🇺🇸 United States·NASDAQ

Financials·Banks - Regional·🇺🇸·NASDAQ

Stock Price

$5.50+$1.26 (+29.72%)

Apr 23, 2026

Company Details

OptimumBank Holdings, Inc. operates as the bank holding company for OptimumBank that provides various consumer and commercial banking services to individuals and businesses. It accepts demand interest-bearing and noninterest-bearing, saving...

CEO

Timothy L. Terry

IPO Date

Jun 23, 2003

Website

www.optimumbank.com

Key Metrics TTM

Revenue

$71M

+10.7% YoY

Net Income

$17M

EPS (Diluted)

$1.36

Free Cash Flow

$18M

Revenue / Share

$5.79

Gross Margin

66.5%

Operating Margin

31.2%

Net Margin

23.4%

FCF Margin

24.7%

P/S

0.9x

P/E

4.0x

Earnings Reports

Q1 2026

May 11, 2026

PENDING

FY 2025

Feb 26, 2026

$71M+10.7%EPS $1.36

Q4 2025

Feb 26, 2026

$19M+14.7%EPS $0.40

Q3 2025

Nov 10, 2025

$18M+11.3%EPS $0.35

Q2 2025

Aug 8, 2025

$17M+6.3%EPS $0.29

Revenue & Profitability

Quarter	Revenue	Gross Profit	Operating Income
Q1 22	$4M	$3M	$1M
Q2 22	$5M	$4M	$1M
Q3 22	$6M	$4M	$903.0K
Q4 22	$8M	$5M	$2M
Q1 23	$8M	$5M	$2M
Q2 23	$9M	$6M	$2M
Q3 23	$10M	$5M	$2M
Q4 23	$12M	$7M	$3M
Q1 24	$15M	$8M	$3M
Q2 24	$16M	$10M	$5M
Q3 24	$16M	$10M	$4M
Q4 24	$17M	$10M	$5M
Q1 25	$16M	$11M	$5M
Q2 25	$17M	$11M	$5M
Q3 25	$18M	$12M	$6M
Q4 25	$19M	$13M	$6M

Valuation

Quarter	P/S	P/E
Q1 22	1.5x	3.0x
Q2 22	1.4x	3.2x
Q3 22	1.5x	4.1x
Q4 22	1.3x	7.4x
Q1 23	0.9x	5.5x
Q2 23	0.7x	4.6x
Q3 23	0.7x	4.4x
Q4 23	0.8x	5.2x
Q1 24	0.9x	5.3x
Q2 24	0.8x	4.3x
Q3 24	0.8x	4.0x
Q4 24	0.8x	3.7x
Q1 25	0.7x	3.3x
Q2 25	0.8x	3.6x
Q3 25	0.7x	3.1x
Q4 25	0.7x	3.0x

Operating Cash Flow

Quarter	Operating CF	Free CF
Q1 22	$2M	$2M
Q2 22	$3M	$3M
Q3 22	$2M	$2M
Q4 22	$4M	$3M
Q1 23	$29.0K	-$211.0K
Q2 23	$5M	$5M
Q3 23	$1M	$1M
Q4 23	$339.0K	$160.0K
Q1 24	$3M	$2M
Q2 24	$3M	$3M
Q3 24	$4M	$4M
Q4 24	$6M	$6M
Q1 25	$3M	$3M
Q2 25	$6M	$6M
Q3 25	$2M	$2M
Q4 25	$7M	$6M

Capital Expenditures

Quarter	CapEx
Q1 22	$47.0K
Q2 22	$65.0K
Q3 22	$89.0K
Q4 22	$121.0K
Q1 23	$240.0K
Q2 23	$103.0K
Q3 23	$146.0K
Q4 23	$179.0K
Q1 24	$259.0K
Q2 24	$359.0K
Q3 24	$152.0K
Q4 24	$218.0K
Q1 25	$283.0K
Q2 25	$283.0K
Q3 25	$6.0K
Q4 25	$283.0K

CapEx

OpEx vs Revenue Growth (YoY)

Quarter	Revenue Growth	OpEx Growth
Q1 22	+92.1%	+65.5%
Q2 22	+84.8%	+64.0%
Q3 22	+82.2%	+113.1%
Q4 22	+92.3%	+112.3%
Q1 23	+100.5%	+125.7%
Q2 23	+86.9%	+104.2%
Q3 23	+58.6%	+53.0%
Q4 23	+57.6%	+55.0%
Q1 24	+78.3%	+71.4%
Q2 24	+83.1%	+63.0%
Q3 24	+67.6%	+48.6%
Q4 24	+36.7%	+29.6%
Q1 25	+10.4%	-3.8%
Q2 25	+6.3%	+7.2%
Q3 25	+11.3%	+5.2%
Q4 25	+14.7%	+11.5%

Stock-Based Compensation

Quarter	SBC ($)	% of Revenue
Q1 22	$96.0K	2.3%
Q2 22	$0	0.0%
Q3 22	$275.0K	4.4%
Q4 22	$1.0K	0.0%
Q1 23	$490.0K	5.9%
Q2 23	$0	0.0%
Q3 23	$0	0.0%
Q4 23	$0	0.0%
Q1 24	$307.0K	2.1%
Q2 24	$185.0K	1.1%
Q3 24	$0	0.0%
Q4 24	-$2.0K	-0.0%
Q1 25	$296.0K	1.8%
Q2 25	$0	0.0%
Q3 25	$579.0K	3.2%
Q4 25	$0	0.0%

OpEx Breakdown

Quarter	G&A
Q1 22	$1M
Q2 22	$1M
Q3 22	$1M
Q4 22	$1M
Q1 23	$2M
Q2 23	$2M
Q3 23	$2M
Q4 23	$2M
Q1 24	$3M
Q2 24	$3M
Q3 24	$3M
Q4 24	$2M
Q1 25	$3M
Q2 25	$4M
Q3 25	$4M

War Chest

Quarter	Cash	Short-term Investments	Total
Q1 22	$72M	$31M	$103M
Q2 22	$77M	$27M	$104M
Q3 22	$74M	$25M	$99M
Q4 22	$72M	$25M	$97M
Q1 23	$87M	$26M	$112M
Q2 23	$78M	$25M	$103M
Q3 23	$104M	$23M	$127M
Q4 23	$77M	$24M	$101M
Q1 24	$151M	$24M	$175M
Q2 24	$104M	$24M	$128M
Q3 24	$132M	$24M	$156M
Q4 24	$94M	$23M	$116M
Q1 25	$143M	$0	$143M
Q2 25	$182M	$0	$182M
Q3 25	$235M	$0	$235M
Q4 25	$9M	$25M	$35M

Shares Outstanding

Quarter	Shares (Diluted)	QoQ Change	YoY Change
Q1 22	5M	+12.6%	+52.7%
Q2 22	6M	+22.8%	+83.5%
Q3 22	6M	+1.0%	+39.6%
Q4 22	7M	+16.4%	+62.4%
Q1 23	7M	+2.1%	+47.3%
Q2 23	7M	+0.6%	+20.7%
Q3 23	7M	-0.0%	+19.5%
Q4 23	7M	+0.0%	+2.7%
Q1 24	8M	+5.3%	+6.0%
Q2 24	10M	+33.2%	+40.2%
Q3 24	10M	+1.2%	+41.9%
Q4 24	10M	-1.2%	+40.2%
Q1 25	12M	+20.3%	+60.2%
Q2 25	12M	+0.4%	+20.8%
Q3 25	12M	0.0%	+19.3%
Q4 25	12M	0.0%	+20.8%

Shares Outstanding

Revenue Per Employee

Period	Revenue/Employee	Employees
Q1 22	$108.2K	38
Q2 22	$126.0K	38
Q3 22	$162.8K	38
Q4 22	$161.5K	48
Q1 23	$171.8K	48
Q2 23	$186.5K	48
Q3 23	$204.4K	48
Q4 23	$203.7K	60
Q1 24	$245.1K	60
Q2 24	$273.1K	60
Q3 24	$274.1K	60
Q4 24	$228.9K	73
Q1 25	$222.4K	73
Q2 25	$238.7K	73
Q3 25	$250.7K	73
Q4 25	$195.6K	98

Revenue / Employee