OPHC - NASDAQ
OptimumBank Holdings, Inc.
$5.43
+1.7%OptimumBank Holdings, Inc. operates as the bank holding company for OptimumBank that provides various consumer and commercial banking services to individuals and businesses. It accepts demand interest-bearing and noninterest-bearing, savings, money market, NOW, and time deposit accounts, as well as certificates of deposit; and offers residential and commercial real estate, multi-family real estate, commercial, land and construction, and consumer loans, as well as lending lines for working capital needs. The company also provides debit and ATM cards; investment, cash management, notary, and night depository services; and direct deposits, money orders, cashier's checks, domestic collections, and banking by mail, as well as internet banking services. It operates through two banking offices located in Broward County, Florida. The company was founded in 2000 and is based in Fort Lauderdale, Florida.
At a Glance
Live SnapshotOptimumBank Holdings, Inc. Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.
Working Capital Impact
Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.
Cash Flow Quality Insight
Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.
OptimumBank Holdings, Inc. Cash Flow Statement
OPHC • NASDAQ
| OptimumBank Holdings, Inc. Cash Flow Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | Dec 2008 | Dec 2007 | Dec 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||||||||||||||||
16.6M | 13.1M | 6.3M | 4M | 6.3M | -782K | -1.1M | 796K | -589K | -396K | -163K | 1.6M | -7.1M | -4.7M | -3.7M | -8.5M | -11.5M | 520K | 1.7M | 1.8M | |
884K | 599K | 560K | 569K | 302K | 327K | 262K | 159K | 149K | 156K | 157K | 176K | 198K | 128K | 105K | 158K | 186K | 201K | 597K | 872K | |
-462K | 10K | 821K | 1.4M | -3.2M | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 772K | -204K | -604K | -13K | -138K | |
875K | 490K | 490K | 372K | 199K | 219K | 201K | 0.0 | 21K | 174K | 242K | 239K | 47K | 28K | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
1.9M | 2.2M | 4M | 3.2M | 61K | 990K | 339K | -1.5M | 200K | 336K | 692K | -508K | 3.8M | 2.2M | 780K | 6M | 15.8M | 2.8M | 476K | 63K | |
(6.9M) | (2.2M) | (1.1M) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (300K) | (928K) | (0.0) | (0.0) | |
-2M | -781K | -5.3M | 832K | 132K | -2.2M | -260K | 586K | 789K | 281K | -301K | -209K | 109K | -340K | 2M | 3.2M | -3.1M | 256K | -627K | 1.1M | |
17.8M | 15.6M | 6.9M | 10.4M | 3.8M | -1.5M | -558K | 24K | 570K | 551K | 627K | 1.3M | -3M | -2.7M | -885K | 1.7M | 1.2M | 3.1M | 2.2M | 3.8M | |
INVESTING ACTIVITIES | ||||||||||||||||||||
(0.0) | -988K | -668K | -322K | -381K | -200K | -509K | -234K | -94K | -101K | -24K | -133K | -171K | -343K | (0.0) | -13K | -33K | -46K | (516K) | -153K | |
-2.4M | (0.0) | (0.0) | (0.0) | -19.5M | -15.7M | -4.2M | (0.0) | (0.0) | -27.7M | -12.3M | -20.4M | -15.7M | (0.0) | -5M | -24.3M | -24.1M | -36.1M | -34.2M | -12.3M | |
0.0 | 1.3M | 1.6M | 2.6M | 5.3M | 4.7M | 2.5M | 1.7M | 8.6M | 32.7M | 12.5M | 16.8M | 10.7M | 11M | 26.3M | 56.3M | 25.6M | 11.4M | 9.2M | 4M | |
-154.3M | -125.8M | -200.6M | -232.1M | -94.2M | -51.5M | -23.1M | -7.5M | 8.9M | 9.5M | -5.9M | 6.6M | 6.3M | -405K | 20M | 19.1M | 5.1M | 10.3M | 7.6M | -12.3M | |
-156.7M | -125.5M | -199.7M | -229.8M | -108.8M | -62.8M | -25.3M | -6M | (17.5M) | (14.4M) | -5.7M | (2.8M) | (1.1M) | (10.3M) | (41.2M) | (51M) | (6.6M) | -14.5M | -16.9M | -20.7M | |
FINANCING ACTIVITIES | ||||||||||||||||||||
217K | 17.9M | 324K | 9.9M | 3.6M | 540K | 0.0 | 525K | 30K | 375K | 30K | 1.3M | 124K | 3.6M | 8.6M | 0.0 | 0.0 | 0.0 | 78K | 144K | |
0.0 | -25.6M | 65.6M | -8M | -5M | 10M | -12.2M | 4.1M | -3M | 3.5M | -2.7M | 0.0 | -5M | -4M | 0.0 | -71.5M | -11M | 24.8M | 18.3M | 1.8M | |
(0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | -2K | -1K | (0.0) | |
159.6M | 132.6M | 131.7M | 215.4M | 101.7M | 89.4M | 39M | -2.3M | -21.1M | -11.6M | 6M | -7.2M | -3.1M | -6.4M | -40.6M | -3.6M | 36.8M | -10.9M | -4.5M | 15.5M | |
159.8M | 126.8M | 197.6M | 232.3M | 109.3M | 109.9M | 26.8M | 2.3M | -24M | -7.6M | 3.4M | -5.9M | -7.9M | -6.8M | -31.9M | -75.1M | 25.8M | 13.9M | 13.9M | 17.4M | |
CASH FLOW SUMMARY | ||||||||||||||||||||
20.9M | 17M | 4.8M | 12.9M | 4.3M | 45.7M | 951K | -3.7M | -6M | 7.3M | -1.7M | -1.8M | -9.7M | 835K | 8.4M | -22.4M | 33.6M | 2.5M | -903K | 450K | |
93.6M | 76.7M | 71.8M | 59M | 54.6M | 8.9M | 8M | 11.7M | 17.6M | 10.4M | 12.1M | 13.9M | 23.6M | 22.8M | 14.4M | 36.8M | 3.2M | 701K | 1.6M | 1.2M | |
114.6M | 93.6M | 76.7M | 71.8M | 59M | 54.6M | 8.9M | 8M | 11.7M | 17.6M | 10.4M | 12.1M | 13.9M | 23.6M | 22.8M | 14.4M | 36.8M | 3.2M | 701K | 1.6M | |
16.9M | 14.6M | 6.2M | 10M | 3.4M | -1.7M | -1.1M | -210K | 476K | 450K | 603K | 1.2M | -3.1M | -3M | -885K | 1.7M | 1.2M | 3.1M | 2.2M | 3.6M |
SEC Filings
OPHC - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
10-Q 10-Q 2026 Q1 Q1 | May 12, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | May 05, 2026 | May 01, 2026 | 2026 | |
8-K 8-K 2026 N/A | May 04, 2026 | April 28, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 24, 2026 | April 24, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | March 26, 2026 | March 26, 2026 | 2026 | |
10-K 10-K 2025 FY FY | February 26, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | February 23, 2026 | February 23, 2026 | 2026 | |
8-K 8-K 2026 N/A | February 02, 2026 | February 02, 2026 | 2026 | |
8-K 8-K 2026 N/A | January 30, 2026 | January 27, 2026 | 2026 | |
8-K 8-K 2026 N/A | January 20, 2026 | January 20, 2026 | 2026 |
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