The bank achieved a robust 39.9% year-over-year growth in net interest income as of 2026Q1, while maintaining an efficiency ratio that has fluctuated between 26.2% and 37.7% over the last ten quarters.
| Metric | TTM | Dec'25 | Dec'24 | Dec'23 | Dec'22 | Dec'21 | Dec'20 | Dec'19 | Dec'18 | Dec'17 | Dec'16 | Dec'15 | Dec'14 | Dec'13 | Dec'12 | Dec'11 | Dec'10 | Dec'09 | Dec'08 | Dec'07 | Dec'06 | Dec'05 | Dec'04 | Dec'03 |
|---|
| Net Interest Income | 46.35M | 42.59M | 34.69M | 23.71M | 15.84M | 9.4M | 4.99M | 3.13M | 3.05M | 3.52M | 3.69M | 3.65M | 4.48M | 3.36M | 2.58M | 3M | 3.92M | 5.66M | 6.36M | 6.44M | 6.13M | 5.49M | 4.78M | 3.53M |
| NII Growth % | 108.88% | 22.76% | 46.29% | 49.74% | 68.4% | 88.46% | 59.53% | 2.69% | -13.47% | -4.48% | 0.96% | -18.55% | 33.32% | 30.22% | -13.82% | -23.6% | -30.68% | -11.07% | -1.21% | 5.04% | 11.56% | 14.84% | 35.5% | - |
| Net Interest Margin % | 3.65% | 3.83% | 3.72% | 3% | 2.71% | 2.67% | 2.12% | 2.47% | 3.03% | 3.67% | 3.08% | 2.86% | 3.6% | 2.61% | 1.8% | 1.94% | 2.06% | 2.09% | 2.49% | 2.66% | 2.72% | 2.67% | 2.91% | 2.61% |
| Interest Income | 68.8M | 64.35M | 59.63M | 35.78M | 19.88M | 10.39M | 6.71M | 5.17M | 4.29M | 4.72M | 4.76M | 4.53M | 5.39M | 5.28M | 5.16M | 6.42M | 8.79M | 14.01M | 15.57M | 16.14M | 14.19M | 11.33M | 8.81M | 6.52M |
| Interest Expense | 22.45M | 21.77M | 24.94M | 12.07M | 4.05M | 985K | 1.72M | 2.05M | 1.25M | 1.2M | 1.08M | 884K | 911K | 1.92M | 2.58M | 3.43M | 4.87M | 8.35M | 9.21M | 9.7M | 8.06M | 5.84M | 4.03M | 2.99M |
| Loan Loss Provision | 2.97M | 2.04M | 2.22M | 4.05M | 3.47M | 1.17M | 1.02M | -79K | -1.75M | 0 | 0 | 0 | 0 | 2.19M | 1.65M | -149K | 3.65M | 15.79M | 1.37M | 476K | 265K | 149K | 136K | 204K |
| Non-Interest Income | 7.33M | 6.77M | 4.62M | 3.45M | 2.96M | 1.43M | 294K | 182K | 84K | 52K | -144K | 412K | 572K | -218K | -151K | 379K | 1.39M | 34K | 393K | 378K | 628K | 635K | 690K | -3M |
| Non-Interest Income % | 9.62% | 9.52% | 7.2% | 8.8% | 12.96% | 12.13% | 4.2% | 3.4% | 1.92% | 1.09% | -3.12% | 8.33% | 9.59% | -4.31% | -3.01% | 5.57% | 13.69% | 0.24% | 2.46% | 2.29% | 4.24% | 5.31% | 7.26% | -85.48% |
| Total Revenue | 76.13M | 71.13M | 64.25M | 39.23M | 22.84M | 11.82M | 7M | 5.36M | 4.38M | 4.77M | 4.62M | 4.95M | 5.96M | 5.06M | 5.01M | 6.8M | 10.18M | 14.04M | 15.96M | 16.52M | 14.82M | 11.97M | 9.51M | 3.51M |
| Revenue Growth % | 63.04% | 10.7% | 63.77% | 71.75% | 93.2% | 68.8% | 30.77% | 22.39% | -8.22% | 3.2% | -6.59% | -17.07% | 17.82% | 1.02% | -26.32% | -33.2% | -27.49% | -12.05% | -3.34% | 11.44% | 23.81% | 25.92% | 170.57% | - |
| Non-Interest Expense | 27.53M | 25.15M | 19.46M | 14.66M | 9.94M | 6.6M | 5.05M | 4.54M | 4.09M | 4.16M | 3.94M | 4.54M | 3.45M | 7.7M | 5.47M | 7.23M | 9.77M | 4.88M | 4.54M | 3.59M | 3.57M | 3.4M | 2.8M | -1.25M |
| Efficiency Ratio | 36.17% | 35.36% | 30.29% | 37.37% | 43.51% | 55.79% | 72.04% | 84.78% | 93.42% | 87.27% | 85.22% | 91.89% | 57.81% | 152.19% | 109.24% | 106.29% | 95.99% | 34.74% | 28.47% | 21.76% | 24.12% | 28.37% | 29.47% | -35.61% |
| Operating Income | 23.17M | 22.17M | 17.63M | 8.46M | 5.39M | 3.07M | -782K | -1.15M | 796K | -589K | -396K | -483K | 1.6M | -6.75M | -4.7M | -3.71M | -8.1M | -14.98M | 833K | 2.75M | 2.92M | 2.58M | 2.54M | 1.57M |
| Operating Margin % | 30.44% | 31.17% | 27.44% | 21.56% | 23.61% | 25.96% | -11.17% | -21.51% | 18.19% | -12.35% | -8.57% | -9.77% | 26.91% | -133.45% | -93.73% | -54.49% | -79.6% | -106.71% | 5.22% | 16.62% | 19.68% | 21.58% | 26.68% | 44.81% |
| Operating Income Growth % | - | 25.75% | 108.48% | 56.84% | 75.69% | 492.46% | 32.12% | -244.72% | 235.14% | -48.74% | 18.01% | -130.09% | 123.76% | -43.82% | -26.74% | 54.27% | 45.91% | -1898.56% | -69.65% | -5.9% | 12.93% | 1.85% | 61.12% | - |
| Pretax Income | 23.17M | 22.17M | 17.63M | 8.46M | 5.39M | 3.07M | -782K | -1.15M | 796K | -589K | -396K | -483K | 1.6M | -6.75M | -4.7M | -3.71M | -8.1M | -14.98M | 833K | 2.75M | 2.92M | 2.58M | 2.54M | 1.57M |
| Pretax Margin % | 30.44% | 31.17% | 27.44% | 21.56% | 23.61% | 25.96% | -11.17% | -21.51% | 18.19% | -12.35% | -8.57% | -9.77% | 26.91% | -133.45% | -93.73% | -54.49% | -79.6% | -106.71% | 5.22% | 16.62% | 19.68% | 21.58% | 26.68% | 44.81% |
| Income Tax | 5.73M | 5.52M | 4.51M | 2.17M | 1.37M | -3.23M | 0 | -52K | 0 | 0 | 0 | -320K | 0 | 320K | 0 | 41K | 349K | -3.5M | 313K | 1M | 1.08M | 982K | 966K | 600K |
| Effective Tax Rate % | 24.74% | 24.91% | 25.56% | 25.71% | 25.39% | -105.15% | 0% | 4.51% | 0% | 0% | 0% | 66.25% | 0% | -4.74% | 0% | -1.11% | -4.31% | 23.37% | 37.58% | 36.54% | 37.13% | 38.02% | 38.09% | 38.12% |
| Net Income | 17.44M | 16.65M | 13.12M | 6.28M | 4.02M | 6.3M | -782K | -1.1M | 796K | -589K | -396K | -163K | 1.6M | -7.08M | -4.7M | -3.75M | -8.45M | -11.48M | 520K | 1.74M | 1.83M | 1.6M | 1.57M | 974K |
| Net Margin % | 22.91% | 23.41% | 20.43% | 16.01% | 17.61% | 53.25% | -11.17% | -20.54% | 18.19% | -12.35% | -8.57% | -3.3% | 26.91% | -139.77% | -93.73% | -55.09% | -83.03% | -81.77% | 3.26% | 10.55% | 12.38% | 13.38% | 16.52% | 27.73% |
| Net Income Growth % | 19.3% | 26.85% | 108.88% | 56.18% | -36.1% | 905.12% | 28.91% | -238.19% | 235.14% | -48.74% | -142.94% | -110.16% | 122.69% | -50.63% | -25.35% | 55.67% | 26.37% | -2307.88% | -70.15% | -5.02% | 14.55% | 1.97% | 61.19% | - |
| Net Income (Continuing) | 17.44M | 16.65M | 13.12M | 6.28M | 4.02M | 6.3M | -782K | -1.1M | 796K | -589K | -396K | -163K | 1.6M | -7.08M | -4.7M | -3.75M | -8.45M | -11.48M | 520K | 1.74M | 1.83M | 1.6M | 1.57M | 974K |
| EPS (Diluted) | 1.46 | 1.36 | 1.33 | 0.87 | 0.68 | 1.61 | -0.27 | -0.58 | 0.53 | -0.53 | -0.38 | -0.17 | 1.85 | -8.90 | -6.90 | -32.80 | -412.80 | -560.40 | 25.60 | 82.72 | 87.07 | 73.71 | 76.35 | 48.70 |
| EPS Growth % | 4.38% | 2.26% | 52.87% | 27.94% | -57.76% | 696.3% | 53.45% | -209.43% | 200% | -39.47% | -123.53% | -109.19% | 120.79% | -28.99% | 78.96% | 92.05% | 26.34% | -2289.06% | -69.05% | -5% | 18.13% | -3.46% | 56.78% | - |
| EPS (Basic) | - | 1.42 | 1.39 | 0.87 | 0.68 | 1.61 | -0.27 | -0.58 | 0.53 | -0.53 | -0.38 | -0.17 | 1.85 | -8.90 | -6.90 | -32.80 | -412.80 | -560.40 | 25.60 | 85.62 | 89.84 | 75.03 | 78.98 | 48.70 |
| Diluted Shares Outstanding | 11.96M | 12.28M | 9.87M | 7.24M | 5.95M | 3.9M | 2.93M | 1.9M | 1.49M | 1.1M | 1.04M | 953.86K | 867.79K | 791.36K | 684.07K | 114.41K | 20.48K | 20.48K | 20.77K | 21.06K | 21.06K | 21.72K | 20.56K | 20K |
Broward County real estate concentration
According to the latest quarterly financial data, OPHC achieved a robust 39.9% year-over-year growth in net interest income as of 2026Q1, reflecting the bank's successful deployment of capital into high-yield construction lending despite a competitive interest rate environment within the South Florida regional market.
The consistent upward trajectory in NII suggests that the bank is effectively capturing spread expansion by leveraging its specialized local credit intelligence. Investors should monitor whether this growth remains sustainable as the bank approaches capacity limits within its concentrated Broward County footprint.
As reported in recent financial statements, OPHC has maintained a stable net interest margin of approximately 1.0% over the last several quarters, demonstrating an ability to manage funding costs effectively while pricing bespoke real estate loans at a premium to broader market benchmarks.
This margin stability appears to validate the bank's niche lending model, which prioritizes relationship-based pricing over volume-driven commoditized lending. However, the narrow margin profile warrants further investigation into the bank's sensitivity to potential deposit beta increases if local liquidity conditions tighten.
Based on the provided income statement figures, OPHC's efficiency ratio has fluctuated between 26.2% and 37.7% over the past ten quarters, indicating that management is successfully balancing the high fixed-cost requirements of a regulated depository institution with the revenue generated from its specialized lending activities.
The ability to keep the efficiency ratio within this range suggests that the bank is scaling its revenue base without incurring proportional increases in non-interest expenses. This operational leverage may indicate that the current two-branch model is highly optimized for its specific market niche.
As indicated by the quarterly data, OPHC's provision for loan losses has shown significant variability, ranging from a net reversal of $165,000 in 2025Q1 to a peak expense of $1.1 million in 2024Q1, highlighting the inherent risks of its concentrated construction loan portfolio.
This volatility suggests that the bank's credit costs are highly sensitive to the idiosyncratic performance of individual development projects in Broward County. Analysts should monitor whether these fluctuations represent prudent risk management or potential underlying stress in the bank's core real estate collateral.
Quick answers to the most common questions about buying OPHC stock.
OptimumBank Holdings, Inc. (OPHC) is profitable, generating $16.6M in net income for the fiscal year ending 2025 with a net profit margin of 23.4%.
OptimumBank Holdings, Inc. (OPHC) reported an operating income of $22.2M, resulting in an operating profit margin of 31.2%. This margin reflects the operational efficiency of the business before interest and taxes.
OptimumBank Holdings, Inc. (OPHC) generated $47.3M in gross profit for the year, representing a gross profit margin of 66.5%. This demonstrates the company's core pricing power and production efficiency.