OptimumBank Holdings, Inc. (OPHC)

NYSE: OPHC · National Commercial Banks · Fort Lauderdale, FL · filing with the SEC since 2004

Grade4.6

◀ Past 2.2● Present 5.4▶ Future 7.2

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Income statement, as filed

In thousands of US dollars (USD), as filed; per-share figures in US dollars; share counts. The fiscal year ends in December.

Income statement, by fiscal year, newest first
Fiscal year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
Period ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019	Dec 31, 2018	Dec 31, 2017	Dec 31, 2016
Report filed	Feb 26, 2026	Feb 26, 2025	Mar 8, 2024	Mar 6, 2023	Mar 8, 2022	Mar 25, 2021	Mar 25, 2020	Mar 27, 2019	Mar 28, 2018	Mar 20, 2017
For lenders
Interest and dividend income	64,354	59,629	35,780	19,882	10,389	6,710	5,174	4,292	4,716	4,764
Interest expense on deposits and borrowings	21,767	24,939	12,067	·	·	·	·	·	·	·
Net interest income	42,587	34,690	23,713	15,836	9,404	4,990	3,128	3,046	3,520	3,685
Provision for credit losses	1,927	2,372	3,759	3,466	1,173	1,020	-79	-1,754	·	·
Net interest income after provision	40,551	32,468	19,666	12,370	8,231	3,970	3,207	4,800	3,520	3,685
Noninterest income	6,774	4,623	3,452	2,960	1,774	294	182	84	52	-144
Noninterest expense	25,154	19,460	14,661	9,938	6,936	5,046	4,541	4,088	4,161	3,937
Interest expense	·	·	12,067	4,046	985	1,720	2,046	1,246	1,196	1,079
Income before income taxes	22,171	17,631	8,457	5,392	3,069	-782	-1,152	796	-589	-396
Income tax expense	5,523	4,507	2,174	1,369	-3,227	·	-52	·	·	·
Net income	16,648	13,124	6,283	4,023	6,296	-782	-1,100	796	-589	-396
Earnings per share, basic	1.42	1.39	0.87	0.68	1.61	·	·	·	-0.53	-0.38
Earnings per share, diluted	0.71	0.63^r	0.87	0.68	·	·	·	·	-0.53	-0.38
Earnings per share, basic and diluted	·	·	·	·	1.61	-0.27	-0.58	0.53	-0.53	·
Weighted average shares, basic	11,697,065	9,445,535^r	7,238,680^rb	5,954,847	3,899,118	·	·	·	·	·
Weighted average shares, diluted	11,697,065	9,445,535^r	7,238,680,000^r	5,954,847	·	·	·	·	·	·
Weighted average shares, basic and diluted	·	·	·	·	3,899,118	2,934,293	1,901,970	1,493,303	1,104,995	1,041,213

As filed with the SEC, each figure from the newest report that carries it, and linked to it. Nothing here is computed.A dot is a line not tagged for that period. ^r restated by the company in a later report; ^b a share figure put on the newest basis or filed in the wrong unit. Hover a figure for its filing and note.

What each line is, and the XBRL concept behind it

Interest and dividend income what its loans and securities earnedus-gaap:InterestAndDividendIncomeOperating

Interest expense on deposits and borrowings what it paid for the money it lendsus-gaap:InterestExpenseOperating

Net interest income interest earned less interest paidus-gaap:InterestIncomeExpenseNet

Provision for credit losses set aside for loans that may not be repaid

us-gaap:ProvisionForLoanLeaseAndOtherLosses
us-gaap:ProvisionForLoanAndLeaseLosses

Net interest income after provision interest income left after the provisionus-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss

Noninterest income fees and other income that is not interestus-gaap:NoninterestIncome

Noninterest expense salaries, buildings and the other costs of running the bankus-gaap:NoninterestExpense

Interest expense what its borrowing costus-gaap:InterestExpense

Income before income taxes profit before tax

us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments

Income tax expense tax charged on the period's profitus-gaap:IncomeTaxExpenseBenefit

Net income the profit or loss that belongs to the company's shareholdersus-gaap:NetIncomeLoss

Earnings per share, basic net income per share outstandingus-gaap:EarningsPerShareBasic

Earnings per share, diluted net income per share, counting every share that could be issuedus-gaap:EarningsPerShareDiluted

Earnings per share, basic and diluted net income per share, where both counts are the sameus-gaap:EarningsPerShareBasicAndDiluted

Weighted average shares, basic the average count of shares outstandingus-gaap:WeightedAverageNumberOfSharesOutstandingBasic

Weighted average shares, diluted the average count with every share that could be issuedus-gaap:WeightedAverageNumberOfDilutedSharesOutstanding

Weighted average shares, basic and diluted the average count, where both counts are the sameus-gaap:WeightedAverageNumberOfShareOutstandingBasicAndDiluted

SI Assistanton OPHC · research, not advice