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OptimumBank Holdings OPHC Q2 2026 earnings

Reported July 24, 2026 · Before market open

Revenue$17.2MBeat by $3.0M
EPS$0.28Beat by $0.07
Revenue estimate$14.2M
EPS estimate$0.21
“Our momentum continued to accelerate during the second quarter as we delivered another record quarter while executing on the strategic initiatives that position the Company for continued long-term growth, We delivered record quarterly earnings while continuing to generate exceptional loan and deposit growth, expand our net interest margin, and maintain strong credit quality. At the same time, we have begun executing on our strategy to expand into complementary financial services through OptimumFinance, further diversifying our platform for future growth. We remain focused on creating long-term value for our shareholders.”
Management

Next report

Nov 9, 2026 (in a month)
Revenue estimate$17.9M
EPS estimate$0.31

Financials

Q2 2026

Income statement

See full
Revenue$17.2M+42.3%
Net income$6.7M+84.8%
EPS (diluted)$0.28+86.7%

Balance sheet

See full
Cash & equivalents$146.2M-19.5%
Total debt$2.5M-4.3%
Total equity$134.4M+20.7%
Total assets$1.4B+40.2%

Cash flow

See full
Operating cash flow$10.3M+67.0%
CapEx$476.0K+59.7%
Free cash flow$9.8M+67.4%

Valuation & ratios

Valuation

as of 10/02/26
See full
Market cap$109.76M+130%
Enterprise value-$33.93M-81.6%
P/E5.4×+2.3×
P/S1.9×+0.8×

Profitability

See full
Net margin34.9%+0.7pp
FCF margin43.3%+0.9pp

Returns & leverage

See full
Return on equity16.7%+1.8pp
Debt / equity0×0.0×

FAQ

When did OptimumBank Holdings report Q2 2026 earnings?
OptimumBank Holdings (OPHC) reported Q2 2026 earnings on July 24, 2026 before market open.
What were OptimumBank Holdings's Q2 2026 revenue and EPS?
OptimumBank Holdings reported revenue of $17.2M and eps of $0.28 for Q2 2026.
Did OptimumBank Holdings beat estimates in Q2 2026?
Revenue beat the consensus estimate of $14.2M by $3.0M. EPS beat the consensus estimate of $0.21 by $0.07.
Where can I find OptimumBank Holdings's Q2 2026 SEC filings?
You can read the 8-K earnings release (0001493152-26-034476) and the 10-Q periodic report (0001493152-26-036825) directly on SEC EDGAR. The filing index links above go to sec.gov.