OptimumBank Holdings OPHC Allowance for unfunded lending related commitments

Allowance for unfunded lending related commitments at other companies

Banner CorporationBANR

$12.9M+5.7%

PNC Financial ServicesPNC

$201M+13.6%

ACNBACNB

$1.82M-3.5%

CVB FinancialCVBF

$500K0.0%

ACNBACNB

$406K+28.9%

Auburn National BancorporationAUBN

-$78K-266%

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%

Free cash flow$7.4M+161%

Valuation

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Market cap$71.65M+34.4%

Enterprise value-$65.72M-47.1%

P/E4.1×+0.5×

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

Reported directly by OptimumBank Holdings in its filing.

Tagged under the XBRL concept us-gaap:DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsOther.

The official record: OptimumBank Holdings’s 10-K, filed February 26, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is OptimumBank Holdings's allowance for unfunded lending related commitments?: OptimumBank Holdings (OPHC) reported allowance for unfunded lending related commitments of $19K in Q4 2024.
What is the long-term trend for OptimumBank Holdings's allowance for unfunded lending related commitments?: Over 4 years (2020 to 2024), OptimumBank Holdings's allowance for unfunded lending related commitments has grown at a -17.0% compound annual growth rate (CAGR), from $40K to $19K.