OPHC earnings analysis
What we found in OPHC's 10-Q: the parts that mattered, the offsets in the same document, and what the company said about what comes next.
Our reading of the filing · Free to read, no account needed
OptimumBank Holdings reported Q2 2026 revenue of $17.183 million and diluted EPS of $0.28. EPS improved from $0.20 in Q1 2026 and beat the $0.23 estimate, but revenue declined approximately 18.2% sequentially and was only about 1.1% above Q2 2025. The supplied filing text contains no segment, balance-sheet, cash-flow, margin, or quantitative guidance disclosures, limiting the completeness of the assessment.
The parts that mattered.
Pulled out of the filing itself, with the figures the company reported.
- Revenue Stable Year Over Year
- Revenue was $17.183 million in Q2 2026, down from $21.0 million in Q1 2026 but approximately 1.1% above $17.0 million in Q2 2025.
- EPS Beat Estimates
- Diluted EPS was $0.28, up from $0.20 in Q1 2026, although slightly below $0.29 in Q2 2025. EPS exceeded the $0.23 consensus estimate by $0.05, or 21.7%.
- Controls Remain Effective
- Management reported that disclosure controls were effective as of June 30, 2026, and stated there were no significant changes in internal control over financial reporting during the quarter.
And the other side of it.
The offsets in the same document — the things a summary that only listed the good news would have left out.
- Sequential Revenue Decline
- Sequential revenue momentum weakened: Q2 2026 revenue of $17.183 million was approximately 18.2% below the $21.0 million reported for Q1 2026.
- Limited Forward Guidance
- The filing provides no quantitative revenue or EPS outlook; revenue guidance and EPS guidance are both unavailable, limiting visibility beyond the $17.183 million Q2 revenue result.
- No Risk-Factor Update
- Item 1A, Risk Factors, is marked “Not applicable,” so the supplied 10-Q does not identify updated risks versus the prior filing; this limits assessment of changes in credit, liquidity, or regulatory exposure.
What they reported.
What the company itself reported, taken out of the document.
- Earnings per share
- $0.28
What they said about what is next.
No quantitative revenue or EPS outlook was provided in the supplied filing text. Item 1A Risk Factors is stated as “Not applicable,” and the extracted MD&A does not include an outlook or liquidity forecast.
The filing reads about the same as the one before it.
What came before.
- 10-Q · May 12, 2026
- OptimumBank Holdings, Inc. reported strong revenue growth in Q1 2026 with total revenue of $14.974 million, a 2.5% increase from $19 million in the prior quarter and an impressive 18.5% increase year-over-year from…
- 10-K · February 26, 2026
- OptimumBank delivered a stronger 2025 driven by lending: net income was $16.6 million on total assets of $1.1 billion and net loans of $947.3 million. Full-year revenue increased to $70.0 million (sum of quarterly…
- 10-Q · November 10, 2025
- OptimumBank reported a quarter of strong revenue and profitability growth: net interest income plus noninterest income (net revenue) was $13.03M in Q3 2025 vs $10.08M in Q3 2024 (+$2.95M, +29%), driving net earnings of…
- 10-K · February 26, 2025
- OptimumBank delivered strong 2024 operating results driven by loan growth and improved funding: net loans rose to $795 million (86.21% of assets) and net income increased to $13.1 million (diluted EPS $1.33). The bank…
This is our reading of a public filing, not the filing. Read the original on SEC.gov · Educational only. Nothing here is investment advice.
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