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OptimumBank Holdings OPHC Financing Receivable Recorded Investment Nonaccrual Status Without Allowance For Credit Losses

Financing Receivable Recorded Investment Nonaccrual Status Without Allowance For Credit Losses at other companies

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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 OPHC:FinancingReceivableRecordedInvestmentNonaccrualStatusWithoutAllowanceForCreditLosses.

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

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Questions, answered.

What is OptimumBank Holdings's financing receivable recorded investment nonaccrual status without allowance for credit losses?
OptimumBank Holdings (OPHC) reported financing receivable recorded investment nonaccrual status without allowance for credit losses of $919K in Q1 2026.
What does financing receivable recorded investment nonaccrual status without allowance for credit losses mean?
This represents the recorded investment in loans or financing receivables that have been placed on nonaccrual status for which no specific allowance for credit losses has been allocated. It highlights exposures where the bank has ceased interest recognition due to credit deterioration but has not yet deemed a specific reserve necessary. This metric is essential for evaluating the bank's credit risk management and loss estimation accuracy.