Connect your AI

OptimumBank Holdings OPHC Net margin

Net margin at other companies

JPMorgan ChaseJPM

31.5%-1.5pp

Bank of AmericaBAC

27.3%+1.8pp

Wells Fargo & CompanyWFC

25.5%+1.0pp

Home Federal BancorpHFBL

25.1%+8.3pp

PCB BancorpPCB

33.9%+5.8pp

MainStreet Bancshares, Inc.MNSBP

——

Other financials

Income statement

Revenue$15.0M+40.5%

Net income$4.7M+20.5%

EPS (diluted)$0.20+17.6%

Balance sheet

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

Operating cash flow$7.9M+151%

CapEx$439.0K+55.1%

Free cash flow$7.4M+161%

Valuation

Market cap$71.65M+37.0%

Enterprise value-$65.72M-48.2%

P/E4.1×+0.6×

P/S1.3×+0.1×

Profitability

FCF margin40.1%+3.0pp

Returns & leverage

Return on equity14.9%-0.5pp

Debt / equity0×0.0×

Where this comes from

Calculated from OptimumBank Holdings’s reported figures.

net income/total revenue=32.5%

Based on trailing twelve months.

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 margin.

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

Connect your AI

Harbor at dusk

Questions, answered.

What is OptimumBank Holdings's net margin?: OptimumBank Holdings (OPHC) reported net margin of 32.5% in Q1 2026.
How has OptimumBank Holdings's net margin changed year-over-year?: OptimumBank Holdings's net margin decreased by 8.9% year-over-year, from 35.7% to 32.5%.
What is the long-term trend for OptimumBank Holdings's net margin?: Over 4 years (2021 to 2025), OptimumBank Holdings's net margin has grown at a -12.0% compound annual growth rate (CAGR), from 56.3% to 33.7%.
What does net margin mean?: Net income as a percentage of revenue (trailing twelve months). The bottom-line profitability measure after all costs, interest, and taxes.