OptimumBank Holdings, Inc.
Financial highlights
| Metric | FY 12/31/25 | FY 12/31/24 | FY 12/31/23 | FY 12/31/22 | FY 12/31/21 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Interest expense | — | — | $12.1M | $4.0M | $985,000 |
| Pretax income | $22.2M | $17.6M | $8.5M | $5.4M | $3.1M |
| Income tax expense | $5.5M | $4.5M | $2.2M | $1.4M | -$3.2M |
| Net income | $16.6M | $13.1M | $6.3M | $4.0M | $6.3M |
| Balance Sheet | |||||
| Total assets | $1.1B | $932.9M | $791.3M | $585.2M | $351.9M |
| Total liabilities | $989.8M | $829.7M | $721.2M | $522.6M | $313.4M |
| Stockholders' equity | $121.9M | $103.2M | $70.0M | $62.6M | $38.5M |
| Cash Flow Statement | |||||
| Cash from operations | $17.8M | $15.6M | $6.9M | $10.4M | $3.8M |
| Depreciation and amortization | $468,000 | $301,000 | $227,000 | $231,000 | $210,000 |
| Stock-based compensation | $875,000 | $490,000 | $490,000 | $372,000 | $199,000 |
| Capital expenditure | $896,000 | $988,000 | $668,000 | $322,000 | $381,000 |
| Free cash flow | $16.9M | $14.6M | $6.2M | $10.0M | $3.4M |
Shares outstanding 12.3M · Free float 80.1%
Annual filing data through FY ended December 31, 2025; float as of July 12, 2026.