Skip to content

OptimumBank Holdings OPHC Net Interest Income

Net Interest Income at other companies

JPMorgan Chase logo
JPMorgan ChaseJPM
$25.37B+9.0%
Bank of America logo
Bank of AmericaBAC
$15.75B+9.0%
Wells Fargo & Company logo
Wells Fargo & CompanyWFC
$12.1B+5.2%
Home Federal Bancorp logo
Home Federal BancorpHFBL
$5.41M+15.7%
PCB Bancorp logo
PCB BancorpPCB
$26.81M+10.4%
Equity Bancshares logo
Equity BancsharesEQBK
$73.66M+46.5%

Other financials

Income statement

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

Balance sheet

See full
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

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

Valuation

See full
Market cap$71.65M+37.0%
Enterprise value-$65.72M-48.2%
P/E4.1×+0.6×
P/S1.3×+0.1×

Profitability

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

Returns & leverage

See full
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:InterestIncomeExpenseNet.

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

Ask your AI about OptimumBank Holdings's net interest income.

Connect your AI assistant and compare it to peers, right in your chat.

Connect your AI
Harbor at dusk
Claude

Questions, answered.

What is OptimumBank Holdings's net interest income?
OptimumBank Holdings (OPHC) reported net interest income of $13.19M in Q1 2026.
How has OptimumBank Holdings's net interest income changed year-over-year?
OptimumBank Holdings's net interest income increased by 39.9% year-over-year, from $9.43M to $13.19M.
What is the long-term trend for OptimumBank Holdings's net interest income?
Over 4 years (2021 to 2025), OptimumBank Holdings's net interest income has grown at a 45.9% compound annual growth rate (CAGR), from $9.4M to $42.59M.
What does net interest income mean?
Calculated as the difference between total interest income earned on assets and total interest expense paid on liabilities. This is the primary driver of a bank's core profitability and represents the margin earned on the bank's interest-earning assets. It serves as a key performance indicator for the bank's net interest margin and overall asset-liability management.