OPHC
OptimumBank Holdings·AMEX
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OPHC fundamentals
OptimumBank Holdings (OPHC) released its earnings on Nov 10, 2025: revenue was 13.03M (YoY +29.30%), beat estimates; EPS was 0.18 (YoY -43.75%), beat estimates.
Revenue / YoY
13.03M
+29.30%
EPS / YoY
0.18
-43.75%
Report date
Nov 10, 2025
OPHC Earnings Call Summary for Q3,2025
- Record Q3 Earnings: $4.3 million net income (+19% QoQ), driven by 7.8% YoY loan growth and disciplined expense control.
- Strong Margins: 4.37% Q3 NIM and 22.6% ROE, both leading peer averages.
- Sustainable Growth: 36.8% CAGR in loans and 37.3% CAGR in deposits since 2021, fueled by CRE lending and loyal customer base.
- Credit Resilience: 0.03% net charge-offs and 1.23% allowance ratio, reflecting conservative underwriting.
- Expansion Ambitions: Actively pursuing M&A and exploring NYC deposit opportunities while maintaining strong capital position.
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Revenue
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Key Indicators
OptimumBank Holdings (OPHC) key financial stats and ratios, covering profitability, financial health, and leverage.
OptimumBank Holdings (OPHC)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.
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OptimumBank Holdings (OPHC)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.
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OptimumBank Holdings (OPHC)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.
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Where does OptimumBank Holdings (OPHC) generate its revenue? Explore its key revenue streams and top earning regions.
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Track OptimumBank Holdings (OPHC) Dividend Yield, Payout Ratio & Sustainability Through Its Dividend History
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You can ask Aime
What were the key takeaways from OptimumBank Holdings’s earnings call?What factors drove the changes in OptimumBank Holdings's revenue and profit?What is OptimumBank Holdings's latest dividend and current dividend yield?What were the key takeaways from OptimumBank Holdings's earnings call?What is the market's earnings forecast for OptimumBank Holdings next quarter?What does OptimumBank Holdings do and what are its main business segments?What is OptimumBank Holdings's gross profit margin?What guidance did OptimumBank Holdings's management provide for the next earnings period?
