All three tenses have at least two readings, so the archetype blend applies as printed.
Of the nine metrics, 7 read as filed from the record and 2 are SI estimates, each with its reasoning, its confidence and what would change it on its card.
What did they actually do?
Has it survived what it has been through?
4 warning events since 2017; the latest 2019-01-10.
From the record
OptimumBank Holdings, Inc.'s filings since 2017 show 4 warning events: a notice about its exchange listing (8-K item 3.01, 4 times, the latest 2019-01-10) (its current reports).
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What has it actually done, year after year?
+33.5% a year over 10 filed years; profitable in 6 of 10.
From the record
OptimumBank Holdings, Inc.'s 10 filed years say what it did: revenue went from $5 million in fiscal 2016 to $64 million in fiscal 2025, up 33.5% a year; it rose in 7 of 9 years; the deepest fall was 10% from fiscal 2016 to fiscal 2018; net income was positive in 6 of 10 of those years (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How has it treated the people who own it?
Share count grew 25.2% a year. 0% of cash flow returned. Insiders: 2 sales, 1 purchases.
From the record
Over the 3 fiscal years to 2025-12-31, OptimumBank Holdings, Inc.'s diluted share count grew about 25.2% a year, and dividends and buybacks returned about 0% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 2 sales and 1 purchase of their own stock on the open market in the year to 2026-09-30, buying about $31 thousand (their Form 4 filings).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they doing right now?
Is it financially healthy right now?
ROE 14%: 14¢ of profit per shareholder dollar. Leverage 89%: owes 89¢ per asset dollar.
From the record
Return on equity: in the fiscal year ended 2025-12-31, OptimumBank Holdings, Inc. earned about 14 cents of profit for every dollar of shareholders' money. Leverage: it owed about 89 cents per dollar of assets, and net share issuance: its share count grew 23.8% over the year (the filed statements).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How strong is its position in its industry?
top 40% of 79 in its family; net margin 25.9%.
From the record
OptimumBank Holdings, Inc.'s standing among 79 graded names in its industry family: revenue of $64 million in fiscal 2025 ranks in the bottom 6% by size; a net margin of 25.9% ranks in the top 26%; revenue growth of 47.9% a year over the last 3 filed years ranks in the top 1% (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are the people in charge doing?
SI estimate 5.3/10, confidence 20 of 100 (family median).
SI estimate Inferred, not read as filed
From the record
SI estimate, not a filed reading: OptimumBank Holdings, Inc.'s leadership is put at 5.3 of 10 with a confidence of 20 of 100, because fewer than two of the three parts can be read: officer and director changes against the people in charge, the years the people in charge have been filing, the chief executive's years under the title, so the desk assumes the typical reading of its industry family, the median of 80 members with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.
What are they set up to do next?
How much room does it have to grow?
SI estimate 6.9/10, confidence 35 of 100 (one part).
SI estimate Inferred, not read as filed
From the record
SI estimate, not a filed reading: OptimumBank Holdings, Inc.'s room to expand is put at 6.9 of 10 with a confidence of 35 of 100, because read from one part only, cash from operations less capital spending against revenue, which ranks in the top 31% of 83 in its family; the record does not carry two of the four parts: cash less debt against assets, cash from operations less capital spending against revenue, gross margin, research against revenue. A filing that carries the missing parts replaces this estimate with the filed reading.
What could actually drive growth from here?
top 13% of 79 in its family for growth drivers.
From the record
OptimumBank Holdings, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 47.9% a year over the last three filed years against 33.5% over all 10, speeding up (top 8% of its family); the newest year grew 7.9% (top 23%); capital spending grew 40.6% a year (top 8%) (its annual reports). OptimumBank Holdings, Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
Did its newest year beat what its own record pointed to?
top 39% of 76 in its family for expectations against reality.
From the record
OptimumBank Holdings, Inc.'s newest year against its own record: revenue of $64 million in fiscal 2025 came in 37.7% below the $103 million its prior three years' pace pointed to (bottom 1% of its family); net income of $17 million against a prior three-year average of $8 million (top 9%); a net margin of 25.9% against 19.9% before (top 9%) (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made