OptimumBank Holdings, Inc. (OPHC) Earnings History
Profitable23 years of earnings data (2003–2025) · Positive TTM net income
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OptimumBank Holdings, Inc. (OPHC) Earnings Overview
As of June 28, 2026, OptimumBank Holdings, Inc. (OPHC) reported trailing twelve-month net income of $17M, reflecting +2.3% year-over-year growth. The company earned $1.46 per diluted share over the past four quarters, with a net profit margin of 23.4%.
Looking at the long-term picture, OPHC's historical earnings data spans multiple years. The company achieved its highest annual net income of $17M in fiscal 2025, representing a new all-time high.
OptimumBank Holdings, Inc. maintains industry-leading profitability with a gross margin of 66.5%, operating margin of 31.2%, and net margin of 23.4%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including CZWI ($15M net income, 16.0% margin), BSVN ($45M 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 (2003–2025)
23 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $17M | +26.9% | $22M | $1.36 | 23.4% | 31.2% |
| 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% |
| 2014 | $2M | +122.7% | $2M | $1.85 | 26.9% | 26.9% |
| 2013 | -$7M | -50.6% | -$7M | $-8.90 | -139.8% | -133.4% |
| 2012 | -$5M | -25.4% | -$5M | $-6.90 | -93.7% | -93.7% |
| 2011 | -$4M | +55.7% | -$4M | $-32.80 | -55.1% | -54.5% |
| 2010 | -$8M | +26.4% | -$8M | $-412.80 | -83.0% | -79.6% |
| 2009 | -$11M | -2307.9% | -$15M | $-560.40 | -81.8% | -106.7% |
| 2008 | $520,000 | -70.1% | $833,000 | $25.60 | 3.3% | 5.2% |
| 2007 | $2M | -5.0% | $3M | $82.72 | 10.5% | 16.6% |
| 2006 | $2M | +14.6% | $3M | $87.07 | 12.4% | 19.7% |
| 2005 | $2M | +2.0% | $3M | $73.71 | 13.4% | 21.6% |
| 2004 | $2M | +61.2% | $3M | $76.35 | 16.5% | 26.7% |
| 2003 | $974,000 | - | $2M | $48.70 | 27.7% | 44.8% |
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OPHC — Frequently Asked Questions
Quick answers to the most common questions about buying OPHC stock.
What is OPHC earnings per share (EPS)?
OPHC trailing twelve-month (TTM) diluted EPS is $1.46, reflecting +2.3% year-over-year growth. The 5-year EPS CAGR is N/A. Complete EPS history from 2003 to 2025 is available in the table on this page.
What is OptimumBank Holdings, Inc.'s net income?
OptimumBank Holdings, Inc. (OPHC) trailing twelve-month net income is $17M as of 2025. Earnings grew +2.3% year-over-year. OptimumBank Holdings, Inc. has been profitable for 5 consecutive years.
Is OPHC profitable?
Yes, OPHC is profitable with a TTM net income of $17M and a net profit margin of +23.4%. OptimumBank Holdings, Inc. has generated profits for 5 consecutive years.
What is OPHC's earnings growth rate?
OPHC compound annual EPS growth rates (CAGR): 1-Year: +2.3%, 3-Year: +26.0%, 5-Year: N/A, 10-Year: N/A. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 2003 to 2025.
What are OPHC's profit margins?
OptimumBank Holdings, Inc. net profit margin is +23.4%, operating margin is +31.2%, and gross margin is +66.5%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +14.8%.
Is OPHC growing earnings?
OPHC earnings growth is slowing. Current YoY EPS growth of +2.3% trails the 5-year CAGR of N/A. TTM net income is $17M.
What was OPHC's best earnings year?
OptimumBank Holdings, Inc.'s highest annual net income on record is $17M, achieved in fiscal year 2025. Earnings history on this page spans 2003 to 2025 and includes all annual and quarterly figures.
What were OPHC's earnings last quarter?
OPHC's most recent reported quarter was Q1 2026. Net income was $5M with diluted EPS of $0.39. For a full breakdown of all quarters, see the quarterly earnings table on this page.