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OptimumBank Holdings OPHC Q4 2025 Annual earnings

Reported February 2, 2026 · Before market open

Revenue$19.2MBeat by $5.6M
EPS$0.21Beat by $0.24
Revenue estimate$13.6M
EPS estimate-$0.03

Next report

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

Financials

Q4 2025

Income statement

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Revenue$13.6M+32.0%
Net income$4.9M+22.8%
EPS (diluted)$0.21+16.7%

Balance sheet

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Cash & equivalents$114.6M+22.4%
Total debt$2.7M-1.0%
Total equity$121.9M+18.1%
Total assets$1.1B+19.2%

Cash flow

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Operating cash flow$6.6M+11.4%
CapEx$309.0K+41.7%
Free cash flow$6.3M+10.2%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$49.02M+2.1%
Enterprise value-$62.79M-46.6%
P/E2.9×-0.7×
P/S1×-0.2×

Profitability

See full
Net margin33.7%+0.3pp
FCF margin34.3%-2.9pp

Returns & leverage

See full
Return on equity14.8%-0.4pp
Debt / equity0×0.0×

FAQ

When did OptimumBank Holdings report Q4 2025 earnings?
OptimumBank Holdings (OPHC) reported Q4 2025 earnings on February 2, 2026 before market open.
What were OptimumBank Holdings's Q4 2025 revenue and EPS?
OptimumBank Holdings reported revenue of $19.2M and eps of $0.21 for Q4 2025.
Did OptimumBank Holdings beat estimates in Q4 2025?
Revenue beat the consensus estimate of $13.6M by $5.6M. EPS beat the consensus estimate of $-0.03 by $0.24.
How did OptimumBank Holdings's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 14.7% from $16.7M a year earlier and eps declined 40.0% from $0.35.
Where can I find OptimumBank Holdings's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001493152-26-004357) and the 10-K periodic report (0001493152-26-008143) directly on SEC EDGAR. The filing index links above go to sec.gov.