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OptimumBank Holdings OPHC Service Charges And Fees

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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$112.42M+130%
Enterprise value-$31.27M-76.0%
P/E5.5×+2.2×
P/S1.9×+0.8×

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:ServiceChargesAndFees.

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,
Credit loss (reversal) expense(37)1,040733875
Net interest income after credit loss expense14,7349,20227,15718,793
Noninterest income:
Service charges and fees1,5511,0992,8632,137
Other9357351,406928
Total noninterest income2,4861,8344,2693,065
Noninterest expenses:
Salaries and employee benefits5,2793,73810,2687,119

Cover / Front Matter

FAQ

What is OptimumBank Holdings's service charges and fees?
OptimumBank Holdings (OPHC) reported service charges and fees of $1.55M in Q2 2026.
How has OptimumBank Holdings's service charges and fees changed year-over-year?
OptimumBank Holdings's service charges and fees increased by 41.1% year-over-year, from $1.1M to $1.55M.
What is the long-term trend for OptimumBank Holdings's service charges and fees?
Over 4 years (2021 to 2025), OptimumBank Holdings's service charges and fees has grown at a 37.3% compound annual growth rate (CAGR), from $1.31M to $4.66M.
What does service charges and fees mean?
Service Charges And Fees as reported by OptimumBank Holdings, Inc..

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