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OptimumBank Holdings OPHC Loans 90+ Days Past Due

Loans 90+ Days Past Due at other companies

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Other financials

Income statement

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Revenue$15.0M+40.5%
Net income$4.7M+20.5%
EPS (diluted)$0.20+17.6%

Balance sheet

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Cash & equivalents$140.0M-2.4%
Total debt$2.6M-3.6%
Total equity$126.8M+17.4%
Total assets$1.3B+29.8%

Cash flow

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Operating cash flow$7.9M+151%
CapEx$439.0K+55.1%
Free cash flow$7.4M+161%

Valuation

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Market cap$71.65M+34.4%
Enterprise value-$65.72M-47.1%
P/E4.1×+0.5×
P/S1.3×+0.1×

Profitability

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Net margin32.5%-3.2pp
FCF margin40.1%+3.0pp

Returns & leverage

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Return on equity14.9%-0.5pp
Debt / equity0.0×

Where this comes from

Reported directly by OptimumBank Holdings in its filing.

Tagged under the XBRL concept us-gaap:FinancingReceivableRecordedInvestmentNonaccrualStatus.

The official record: OptimumBank Holdings’s 10-Q, filed May 12, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is OptimumBank Holdings's loans 90+ days past due?
OptimumBank Holdings (OPHC) reported loans 90+ days past due of $2.16M in Q1 2026.
How has OptimumBank Holdings's loans 90+ days past due changed year-over-year?
OptimumBank Holdings's loans 90+ days past due decreased by 71.2% year-over-year, from $7.51M to $2.16M.
What is the long-term trend for OptimumBank Holdings's loans 90+ days past due?
Over 3 years (2020 to 2025), OptimumBank Holdings's loans 90+ days past due has grown at a 9.7% compound annual growth rate (CAGR), from $2.19M to $2.9M.
What does loans 90+ days past due mean?
This metric tracks the total principal balance of loans where payments are at least 90 days overdue but are still classified as performing by the institution. It is a critical measure of credit quality and early-stage delinquency risk within the loan book. High levels of 90-day past due loans often precede formal nonaccrual status and potential credit losses.