OptimumBank Holdings, Inc. (OPHC) Earnings History
Annual and quarterly earnings data from 2003 to 2024
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OPHC EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
OPHC Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2024 | 57.7% | 27.4% | 20.4% |
| 2023 | 58.9% | 21.6% | 16.0% |
| 2022 | 67.1% | 23.6% | 17.6% |
| 2021 | 81.7% | 26.0% | 53.3% |
| 2020 | 60.9% | -11.2% | -11.2% |
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OptimumBank Holdings, Inc. (OPHC) Earnings Overview
As of May 8, 2026, OptimumBank Holdings, Inc. (OPHC) reported trailing twelve-month net income of $16M, reflecting +52.9% year-over-year growth. The company earned $1.28 per diluted share over the past four quarters, with a net profit margin of 20.4%.
Looking at the long-term picture, OPHC's historical earnings data spans multiple years. The company achieved its highest annual net income of $13M in fiscal 2024, representing a new all-time high.
OptimumBank Holdings, Inc. maintains industry-leading profitability with a gross margin of 57.7%, operating margin of 27.4%, and net margin of 20.4%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including CZWI ($14M net income, 16.0% margin), BSVN ($43M net income, 31.4% margin), FBIZ ($51M net income, 18.0% margin), OPHC has outperformed on profitability metrics. Compare OPHC vs CZWI →
OPHC Earnings vs Peers
Earnings metrics vs comparable public companies
OPHC Historical Earnings Data (2003–2024)
22 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2024 | $13M | +108.9% | $18M | $1.33 | 20.4% | 27.4% |
| 2023 | $6M | +56.2% | $8M | $0.87 | 16.0% | 21.6% |
| 2022 | $4M | -36.1% | $5M | $0.68 | 17.6% | 23.6% |
| 2021 | $6M | +905.1% | $3M | $1.61 | 53.3% | 26.0% |
| 2020 | $-782,000 | +28.9% | $-782,000 | $-0.27 | -11.2% | -11.2% |
| 2019 | -$1M | -238.2% | -$1M | $-0.58 | -20.5% | -21.5% |
| 2018 | $796,000 | +235.1% | $796,000 | $0.53 | 18.2% | 18.2% |
| 2017 | $-589,000 | -48.7% | $-589,000 | $-0.53 | -12.4% | -12.4% |
| 2016 | $-396,000 | -142.9% | $-396,000 | $-0.38 | -8.6% | -8.6% |
| 2015 | $-163,000 | -110.2% | $-483,000 | $-0.17 | -3.3% | -9.8% |
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Start ComparisonOPHC — Frequently Asked Questions
Quick answers to the most common questions about buying OPHC stock.
Is OPHC growing earnings?
OPHC EPS is $1.28, with earnings growth accelerating to +52.9%. This exceeds the 5-year CAGR of N/A. TTM net income reached $16M.
What are OPHC's profit margins?
OptimumBank Holdings, Inc. net margin is +20.4%, with operating margin at +27.4%. Above-average margins indicate pricing power.
How consistent are OPHC's earnings?
OPHC earnings data spans 2003-2024. The accelerating earnings trend is +52.9% YoY. Historical data enables comparison across business cycles.