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OptimumBank Holdings OPHC Service Charges And Fees

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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:ServiceChargesAndFees.

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 service charges and fees?
OptimumBank Holdings (OPHC) reported service charges and fees of $1.31M in Q1 2026.
How has OptimumBank Holdings's service charges and fees changed year-over-year?
OptimumBank Holdings's service charges and fees increased by 26.5% year-over-year, from $1.04M to $1.31M.
What is the long-term trend for OptimumBank Holdings's service charges and fees?
Over 4 years (2021 to 2025), OptimumBank Holdings's service charges and fees has grown at a 37.3% compound annual growth rate (CAGR), from $1.31M to $4.66M.
What does service charges and fees mean?
Includes revenue generated from deposit account service charges, transaction fees, and other ancillary banking services provided to customers. This metric represents a vital source of non-interest income that helps diversify the bank's revenue base beyond interest-rate-sensitive activities. It reflects the bank's ability to monetize its customer relationships and service offerings.