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OptimumBank Holdings OPHC Regulatory Assessment

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Other financials

Income statement

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

Balance sheet

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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

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

Valuation

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Market cap$110.08M+125%
Enterprise value-$33.61M-74.2%
P/E5.4×+2.1×
P/S1.9×+0.7×

Profitability

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

Returns & leverage

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Return on equity16.7%+1.8pp
Debt / equity0.0×

Where this comes from

Reported directly by OptimumBank Holdings in its filing.

Tagged under the XBRL concept OPHC:RegulatoryAssessment.

The source filing: OptimumBank Holdings’s 10-Q, filed August 10, 2026.

Filed
Aug 10, 2026, 2:18 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001493152-26-036825
Line item2026 / Three Months Ended / June 30,2025 / Three Months Ended / June 30,2026 / Six Months Ended / June 30,2025 / Six Months Ended / June 30,
Professional fees363275658522
Occupancy and equipment354294693576
Data processing9866251,9001,158
Regulatory assessment196202375400
Other1,2041,0472,4962,032
Total noninterest expenses8,3826,18116,39011,807
Income before income taxes8,8384,85515,03610,051
Income taxes2,1831,2533,7182,579

Cover / Front Matter

FAQ

What is OptimumBank Holdings's regulatory assessment?
OptimumBank Holdings (OPHC) reported regulatory assessment of $196K in Q2 2026.
How has OptimumBank Holdings's regulatory assessment changed year-over-year?
OptimumBank Holdings's regulatory assessment decreased by 3.0% year-over-year, from $202K to $196K.
What is the long-term trend for OptimumBank Holdings's regulatory assessment?
Over 4 years (2021 to 2025), OptimumBank Holdings's regulatory assessment has grown at a 43.1% compound annual growth rate (CAGR), from $164K to $687K.
What does regulatory assessment mean?
Regulatory Assessment as reported by OptimumBank Holdings, Inc..

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