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OptimumBank Holdings OPHC Q3 2025 earnings

Reported November 10, 2025 · Before market open

Revenue$18.3M
EPS$0.18

Next report

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

Financials

Q3 2025

Income statement

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Revenue$13.0M+29.3%
Net income$4.3M+30.9%
EPS (diluted)$0.18+20.0%

Balance sheet

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Cash & equivalents$235.1M+78.6%
Total debt$2.8M+38.4%
Total equity$116.9M+26.1%
Total assets$1.1B+14.6%

Cash flow

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Operating cash flow$1.9M-52.2%
CapEx$6.0K-96.1%
Free cash flow$1.9M-50.5%

Valuation & ratios

Valuation

as of 09/30/25
See full
Market cap$48.18M+8.9%
Enterprise value-$184.06M-116%
P/E3.1×-0.7×
P/S1×-0.1×

Profitability

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Net margin34.2%+2.7pp
FCF margin35.5%+11.2pp

Returns & leverage

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Return on equity15%+0.3pp
Debt / equity0×0.0×

FAQ

When did OptimumBank Holdings report Q3 2025 earnings?
OptimumBank Holdings (OPHC) reported Q3 2025 earnings on November 10, 2025 before market open.
What were OptimumBank Holdings's Q3 2025 revenue and EPS?
OptimumBank Holdings reported revenue of $18.3M and eps of $0.18 for Q3 2025.
How did OptimumBank Holdings's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 11.3% from $16.4M a year earlier and eps declined 43.8% from $0.32.
Where can I find OptimumBank Holdings's Q3 2025 SEC filings?
You can read the 8-K earnings release (0001493152-25-021952) and the 10-Q periodic report (0001493152-25-021417) directly on SEC EDGAR. The filing index links above go to sec.gov.