All stock lists
OptimumBank Holdings, Inc. (New York Stock Exchange Arca:OPHC)
US · Delayed Price · Currency is USD
Financial Services · Banks - Regional
$9.03+$0.07 (+0.78%)
Market cap
$114M
Insider Score
Health Score
Analyst consensus
Listed since
Jun 23, 2003
Website
Insider Score
––Not scored
OPHC Insider Score
No insider has filed an open-market purchase or sale here in the last 90 days, so there is nothing to score yet.
Financial Health Score
Strong
From OPHC’s reported statements · Q3 2026 (trailing 12 months)
Profitability20 / 20
Keeps a healthy share of every dollar it sells.
- Revenue
- $88.3M
- Net income
- $23.3M
- Net margin
- 26.4%
Leverage20 / 20
Little or no net debt.
- Total debt
- $2.4M
- Cash
- $14.1M
- Net debt / EBITDA
- -0.29x
Liquidity20 / 20
Comfortably covers what is due within a year.
- Current assets
- $44.6M
- Current liabilities
- $2.4M
- Current ratio
- 18.24
Cash generation20 / 20
The business funds itself from operations.
- Operating cash flow
- $31.9M
- Free cash flow
- $31.6M
- FCF margin
- 35.8%
Dilution & runway19 / 20
Not funding itself by issuing shares.
- Shares outstanding
- 12.0M
- Share growth (1y)
- 1.7%
Five pillars — profitability, leverage, liquidity, cash generation, dilution & runway — each scored 0–20 from the company’s own income statement, balance sheet and cash-flow statement, then scaled to 100. A pillar the statements cannot answer is left out rather than guessed; fewer than three and no score is shown.
OPHC Income Statement
| Fiscal Period | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 |
|---|---|---|---|---|---|---|
| Period Ending | Sep 30, 2026 | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 |
| Revenue | $27.95 M | $19.94 M | $21.24 M | $19.16 M | $18.30 M | $17.42 M |
| Revenue Growth (YoY) | 52.70 % | 14.46 % | 30.79 % | 14.68 % | 11.27 % | 6.30 % |
| Cost of Revenue | $9.40 M | $5.05 M | $7.03 M | $5.96 M | $6.04 M | $6.39 M |
| Gross Profit | $18.55 M | $14.89 M | $14.20 M | $13.20 M | $12.27 M | $11.04 M |
| SG&A Expense | $7.11 M | $6.06 M | $6.71 M | -$9.99 M | $4.00 M | $3.74 M |
| R&D Expense | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| Operating Expenses | $9.00 M | $6.06 M | $8.01 M | $6.74 M | $6.60 M | $6.18 M |
| Operating Income | $9.55 M | $8.84 M | $6.20 M | $6.46 M | $5.66 M | $4.86 M |
| Pretax Income | $9.55 M | $8.84 M | $6.20 M | $6.46 M | $5.66 M | $4.86 M |
| Tax Provision | $2.38 M | $2.18 M | $1.53 M | $1.60 M | $1.34 M | $1.25 M |
| Net Income | $7.17 M | $6.66 M | $4.66 M | $4.85 M | $4.32 M | $3.60 M |
| EPS (Basic) | $0.30 | $0.56 | $0.39 | $0.41 | $0.37 | $0.31 |
| EPS (Diluted) | $0.30 | $0.56 | $0.39 | $0.40 | $0.35 | $0.29 |
| Shares Outstanding | 11.96 M | 11.96 M | 11.96 M | 11.75 M | 11.75 M | 11.75 M |
Quarterly figures; YoY compares the same fiscal quarter a year earlier. Source: public market data.
Disclaimer — Informational only — not investment advice. Insider transaction data is sourced from SEC Form 4 filings; market data from public feeds and may be delayed. The Insider Score is a proprietary score for research purposes and does not predict future performance. Always do your own research.