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OptimumBank Holdings OPHC Free cash flow

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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%

Valuation

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Market cap$71.65M+37.0%
Enterprise value-$65.72M-48.2%
P/E4.1×+0.6×
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 / equity0×0.0×

Where this comes from

Calculated from OptimumBank Holdings’s reported figures.

$7.9Mnet cash from operating−$439.0Kcapital expenditures=$7.43M

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 free cash flow?
OptimumBank Holdings (OPHC) reported free cash flow of $7.43M in Q1 2026.
How has OptimumBank Holdings's free cash flow changed year-over-year?
OptimumBank Holdings's free cash flow increased by 160.6% year-over-year, from $2.85M to $7.43M.
What is the long-term trend for OptimumBank Holdings's free cash flow?
Over 4 years (2021 to 2025), OptimumBank Holdings's free cash flow has grown at a 49.6% compound annual growth rate (CAGR), from $3.38M to $16.95M.
What does free cash flow mean?
Free cash flow represents the cash generated by a company after accounting for cash outflows to support operations and maintain or expand its capital asset base. It serves as a critical indicator of a company's ability to fund organic growth, pay down debt, or return capital to shareholders without relying on external financing.