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OptimumBank Holdings OPHC Loans And Lease Receivable Deferred Income

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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×

Where this comes from

Reported directly by OptimumBank Holdings in its filing.

Tagged under the XBRL concept OPHC:LoansAndLeaseReceivableDeferredIncome.

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 loans and lease receivable deferred income?
OptimumBank Holdings (OPHC) reported loans and lease receivable deferred income of $1.3M in Q1 2026.
How has OptimumBank Holdings's loans and lease receivable deferred income changed year-over-year?
OptimumBank Holdings's loans and lease receivable deferred income increased by 75.2% year-over-year, from $742K to $1.3M.
What is the long-term trend for OptimumBank Holdings's loans and lease receivable deferred income?
Over 2 years (2023 to 2025), OptimumBank Holdings's loans and lease receivable deferred income has grown at a -2.7% compound annual growth rate (CAGR), from $1.29M to $1.23M.
What does loans and lease receivable deferred income mean?
This represents the unamortized portion of loan origination fees, costs, and premiums or discounts associated with the bank's lending activities. These amounts are deferred and recognized as an adjustment to interest income over the life of the related loans. It provides insight into the timing of revenue recognition and the underlying profitability of the loan portfolio.