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…
Earnings analysis · 10-Q
OPHC earnings analysis
Filed August 10, 2026 · Our reading of the company's report
The latest report
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…
Read full summary
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.
Gross and operating margin
How much of each revenue dollar the business keeps.
One point per quarterly or annual filing. Both margins are shares of that report's revenue.
How we read each report
Our analysis across the last few reports.
Our model's reading of each filing, not the share price or the market's reaction. Annual and quarterly reports each occupy one position.
Reported figures
- Earnings per share
- $0.28
What stood out
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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.
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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%.
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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.
What to watch
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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.
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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.
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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.
Management's outlook
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.
Earlier filings 4
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 itself. Analysis can contain errors; check the source document for full context.