OptimumBank Holdings, Inc.OPHCEarnings & Financial Report
OptimumBank Holdings, Inc. is a Florida-based bank holding company operating the local community bank OptimumBank. It offers retail and commercial banking products including deposit accounts, loans, mortgage services and wealth management, serving individual consumers and small-to-medium enterprises in southern Florida.
OPHC Q4 FY2025 Key Financial Metrics
Revenue
$13.6M
Gross Profit
N/A
Operating Profit
$6.5M
Net Profit
$4.9M
Gross Margin
N/A
Operating Margin
47.5%
Net Margin
35.7%
YoY Growth
32.0%
EPS
$-0.08
OptimumBank Holdings, Inc. Q4 FY2025 Financial Summary
OptimumBank Holdings, Inc. reported revenue of $13.6M (up 32.0% YoY) for Q4 FY2025, with a net profit of $4.9M (up 22.9% YoY) (35.7% margin).
Key Financial Metrics
| Total Revenue | $13.6M |
|---|---|
| Net Profit | $4.9M |
| Gross Margin | N/A |
| Operating Margin | 47.5% |
| Report Period | Q4 FY2025 |
OptimumBank Holdings, Inc. Annual Revenue by Year
OptimumBank Holdings, Inc. annual revenue history includes year-by-year totals (for example, 2025 revenue was $49.4M).
OptimumBank Holdings, Inc. Quarterly Revenue & Net Profit History
OptimumBank Holdings, Inc. results over the last 8 reported quarters, including revenue, net profit and year-over-year growth.
| Quarter | Revenue | Revenue YoY | Net Profit | Net Margin |
|---|---|---|---|---|
| Q4 FY2025 | $13.6M | +32.0% | $4.9M | 35.7% |
| Q3 FY2025 | $13.0M | +29.3% | $4.3M | 33.2% |
| Q2 FY2025 | $12.1M | +21.5% | $3.6M | 29.8% |
| Q1 FY2025 | $10.7M | +18.5% | $3.9M | 36.3% |
| Q4 FY2024 | $10.3M | +25.8% | $3.9M | 38.3% |
| Q3 FY2024 | $10.1M | +47.6% | $3.3M | 32.8% |
| Q2 FY2024 | $9.9M | +56.2% | $3.5M | 35.2% |
| Q1 FY2024 | $9.0M | +55.3% | $2.4M | 26.4% |
Income Statement
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $9.0M | $9.9M | $10.1M | $10.3M | $10.7M | $12.1M | $13.0M | $13.6M |
| YoY Growth | 55.3% | 56.2% | 47.6% | 25.8% | 18.5% | 21.5% | 29.3% | 32.0% |
Balance Sheet
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Assets | $940.6M | $899.8M | $945.2M | $932.9M | $977.5M | $999.1M | $1.08B | $1.11B |
| Liabilities | $857.6M | $812.8M | $852.5M | $829.7M | $869.5M | $887.8M | $966.2M | $989.8M |
| Equity | $83.0M | $87.0M | $92.7M | $103.2M | $108.0M | $111.3M | $116.9M | $121.9M |
Cash Flow
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Operating CF | $2.5M | $3.1M | $4.0M | $15.6M | $3.1M | $6.2M | $1.9M | $17.8M |