OptimumBank Holdings, Inc. (OPHC) Income Statement
OPHC 2025 at a glance
Fiscal year ended December 31, 2025 · U.S. dollarsOPHC revenue and net income
Where OPHC's revenue goes
2025Each bar shows an amount and its share of revenue. OPHC kept 23.4% of revenue as net income.
OPHC profit margins
OPHC growth rates
to 2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | +10.7% | +46.0% | +59.0% | +30.6% |
| Gross profit | +27.6% | +45.6% | +61.8% | +27.8% |
| Operating income | +25.8% | +60.2% | — | — |
| Net income | +26.9% | +60.5% | — | — |
| EPS (diluted) | −56.5% | +14.9% | — | — |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
OPHC quarterly EPS vs estimates
OptimumBank beat the analyst EPS estimate in 7 of the last 8 quarters. Next report: November 9, 2026 (estimate $0.27).
OPHC income statement
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $71.1M | $64.3M | $39.2M | $22.8M | $11.8M | $7.0M | $5.4M | $4.4M | $4.8M | $4.6M |
| Cost of revenue | $23.8M | $27.2M | $16.1M | $7.5M | $2.2M | $2.7M | $2.0M | −$508,000 | $1.2M | $1.1M |
| Gross profit | $47.3M | $37.1M | $23.1M | $15.3M | $9.7M | $4.3M | $3.4M | $4.9M | $3.6M | $3.5M |
| Research & development | — | — | — | — | — | — | — | $0 | $0 | $0 |
| Sales, general & admin | $1.1M | $11.1M | $8.4M | $5.5M | $3.8M | $2.4M | $2.1M | $1.9M | $1.9M | $1.9M |
| Total operating expenses | $25.2M | $19.5M | $14.7M | $9.9M | $6.6M | $5.0M | $4.5M | $4.1M | $4.2M | $3.9M |
| Operating income | $22.2M | $17.6M | $8.5M | $5.4M | $3.1M | −$782,000 | −$1.2M | $796,000 | −$589,000 | −$396,000 |
| Interest income | $64.4M | $59.6M | $31.5M | $19.9M | $10.4M | $6.7M | $5.2M | $4.3M | $4.7M | $4.8M |
| Interest expense | $21.8M | $24.9M | $12.1M | $4.0M | $985,000 | $1.7M | $2.0M | $1.2M | $1.2M | $1.1M |
| Income before taxes | $22.2M | $17.6M | $8.5M | $5.4M | $3.1M | −$782,000 | −$1.2M | $796,000 | −$589,000 | −$396,000 |
| Income taxes | $5.5M | $4.5M | $2.2M | $1.4M | −$3.2M | −$782,000 | −$52,000 | −$2,141 | $0 | $1.1M |
| Net income | $16.6M | $13.1M | $6.3M | $4.0M | $6.3M | −$782,000 | −$1.1M | $796,000 | −$589,000 | −$396,000 |
| EBITDA | $23.1M | $18.2M | $9.0M | $6.0M | $3.4M | −$455,000 | −$890,000 | $955,000 | −$440,000 | −$240,000 |
| EPS (diluted) | $1.00 | $2.30 | $0.87 | $0.66 | $1.42 | −$0.28 | −$0.59 | $0.64 | −$0.53 | −$0.37 |
| Gross margin | 66.5% | 57.7% | 58.9% | 67.1% | 81.7% | 60.9% | 63.3% | 111.6% | 74.9% | 76.6% |
| Operating margin | 31.2% | 27.4% | 21.6% | 23.6% | 26.0% | −11.2% | −21.5% | 18.2% | −12.4% | −8.6% |
| Net margin | 23.4% | 20.4% | 16.0% | 17.6% | 53.3% | −11.2% | −20.5% | 18.2% | −12.4% | −8.6% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $19.9M | $21.2M | $19.2M | $18.3M | $17.4M | $16.2M | $16.7M | $16.4M | $16.4M | $14.7M | $12.2M | $9.8M |
| Cost of revenue | $5.0M | $7.0M | $6.0M | $6.0M | $6.4M | $5.4M | $7.0M | $6.7M | $6.6M | $6.8M | $5.1M | $4.4M |
| Gross profit | $14.9M | $14.2M | $13.2M | $12.3M | $11.0M | $10.8M | $9.7M | $9.7M | $9.7M | $7.9M | $7.1M | $5.4M |
| Sales, general & admin | $6.1M | $6.7M | $10.0M | $4.0M | $3.7M | $3.4M | $2.1M | $3.1M | $3.0M | $2.8M | $2.2M | $2.1M |
| Total operating expenses | $6.1M | $8.0M | $6.7M | $6.6M | $6.2M | $5.6M | $4.4M | $5.3M | $5.1M | $4.7M | $3.7M | $3.7M |
| Operating income | $8.8M | $6.2M | $6.5M | $5.7M | $4.9M | $5.2M | $5.3M | $4.4M | $4.7M | $3.2M | $3.4M | $1.7M |
| Interest income | $21.7M | $19.5M | $17.4M | $16.3M | $15.6M | $15.0M | $15.6M | $15.3M | $15.2M | $13.5M | $11.2M | $8.9M |
| Interest expense | $7.0M | $6.3M | $5.6M | $5.3M | $5.3M | $5.6M | $6.4M | $6.4M | $6.4M | $5.7M | $4.0M | $3.0M |
| Income before taxes | $8.8M | $6.2M | $6.5M | $5.7M | $4.9M | $5.2M | $5.3M | $4.4M | $4.7M | $3.2M | $3.4M | $1.7M |
| Income taxes | $2.2M | $1.5M | $1.6M | $1.3M | $1.3M | $1.3M | $1.4M | $1.1M | $1.2M | $847,000 | $876,000 | $459,000 |
| Net income | $6.7M | $4.7M | $4.9M | $4.3M | $3.6M | $3.9M | $4.0M | $3.3M | $3.5M | $2.4M | $2.5M | $1.3M |
| EBITDA | $9.1M | $6.4M | $6.8M | $5.2M | $5.1M | $5.3M | $5.5M | $3.5M | $5.9M | $3.3M | $3.6M | $445,000 |
| EPS (diluted) | $0.28 | $0.20 | $0.21 | $0.18 | $0.29 | $0.32 | $1.33 | $0.32 | $0.34 | $0.31 | $0.35 | $0.17 |
| Gross margin | 74.7% | 66.9% | 68.9% | 67.0% | 63.3% | 66.6% | 58.0% | 59.1% | 59.5% | 54.0% | 58.2% | 54.8% |
| Operating margin | 44.3% | 29.2% | 33.7% | 30.9% | 27.9% | 32.0% | 31.8% | 27.0% | 28.5% | 21.9% | 28.0% | 17.6% |
| Net margin | 33.4% | 22.0% | 25.3% | 23.6% | 20.7% | 23.8% | 23.6% | 20.1% | 21.3% | 16.2% | 20.9% | 12.9% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in OPHC's financial statements (latest annual report filed February 26, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
OPHC financial results
In fiscal year 2025 (ended December 31, 2025), OptimumBank reported revenue of $71.1 million, up 10.7% from the year before. It had net income of $16.6 million (up 26.9%), a net profit margin of 23.4%. Diluted earnings per share came to $1.00. Over five years revenue grew at an average rate of 59.0% a year.
See the OPHC stock overview for the latest quote and news, or the OPHC chart for price history and technical indicators.
OPHC income statement FAQ
What is OptimumBank's annual revenue?
OptimumBank reported total revenue of $71.1 million for fiscal year 2025, which ended on December 31, 2025. That was up 10.7% from $64.3 million the previous year.
Is OptimumBank profitable?
Yes. OptimumBank reported net income of $16.6 million in fiscal 2025, a net profit margin of 23.4%; its operating margin was 31.2%.
What is OptimumBank's gross margin?
OptimumBank's gross margin was 66.5% in fiscal 2025: for every $100 of revenue, OptimumBank kept $67 after the direct cost of its products and services.
How fast is OptimumBank growing?
Revenue grew 59.0% a year on average over the last five fiscal years, from $7.0 million to $71.1 million.
What are OptimumBank's earnings per share?
OptimumBank earned $1.00 per diluted share in fiscal 2025, compared with $2.30 a year earlier.
When will OptimumBank report its next earnings?
OptimumBank is expected to report results for the quarter ending September 30, 2026 on November 9, 2026.
When does OptimumBank's fiscal year end?
OptimumBank's fiscal year ends in December. The latest annual report covers the year ended December 31, 2025 and was filed on February 26, 2026.