OakChart

Optimumbank Holdings Inc

OPHCFinancial·Banks - Regional·USA·Micro·AMEX·Nov 12 • 3:59 PM ET

8.96-0.11 (-1.21%)
2026-11-13 13:12 CET
Market cap
$113.10M
Revenue, TTM
- USD m
Net income, TTM
20.49 USD m
Free cash flow, TTM
25.47 USD m
EPS diluted, TTM
0.87
Price / earnings
10.26
Compare

Price

OPHC against its 20, 50 and 200-day averages
Terms2050200BeatEarnings
Patternshover a marker to name it
RS 95EPS 0.31Price0.316.008.0010.00263K526KVolumeMay 26Jun 26Jul 26Aug 26Sep 26Oct 26Nov 26OPHCclose 8.9620-day 8.9250-day 8.95200-day 6.818.9652w high 10.6852-week range, not 6 months

16.1% under the 52-week high of 10.68 on 17 Aug 2026. 52-week low 4.04 on 5 Dec 2025. Last 15 sessions, 12.1% high to low

Volume 0.00× normal · the session has not printed · the line is the 50-bar volume average

Setup. RS line 95
CANSLIM 2 of 6 — fails: EPS Growth Qtr Over Qtr: High (>25%); 52-Week High/Low: 0-10% below High; Institutional Ownership: Over 50%; Average Volume: Over 200K
VCP 5 of 6 — fails: 52-Week High/Low: 0-10% below High
Minervini 3 of 4 — fails: 52-Week High/Low: 0-10% below High
Zanger 3 of 5 — fails: Performance: Week +10%; Relative Volume: Over 1.5
Leaders 3 of 5 — fails: Average Volume: Over 500K; 52-Week High/Low: 0-10% below High
Breakout 2 of 4 — fails: 52-Week High/Low: New High; Relative Volume: Over 2
Growth 2 of 4 — fails: EPS Growth Qtr Over Qtr: High (>25%); EPS Growth Next Year: High (>25%)
Quality 3 of 5 — fails: Debt/Equity: Low (<0.1); Current Ratio: Over 1
Value 3 of 4 — fails: Debt/Equity: Low (<0.1)
Income 2 of 4 — fails: Dividend Growth: Growing 2+ Years — not on the tape: Dividend Yield: Over 2%
Small Cap 3 of 4 — fails: Average Volume: Over 500K
Accumulation 2 of 4 — fails: Institutional Ownership: Over 30%; Institutional Transactions: Over +10%
Relative Strength 2 of 3 — fails: Average Volume: Over 500K

Profile

OPHC
52-week range, 74% of the way up
4.0410.68

OptimumBank Holdings, Inc. engages in offering a variety of community banking services to individual and corporate customers through its subsidiary, OptimumBank. Its services include savings, deposits, checking, cash management services, business checking, online banking, and ATM networks. The company was founded on March 23, 2004 and is headquartered in Fort Lauderdale, FL.

Employees98
IPOMay 08, 2003
Beta0.28
ATR, 14d0.40
Rel volume0.00
Short float0.95%
Insider own57.01%
Inst own9.79%

Snapshot

6 groups

Valuation

Index-
Market Cap$113.10M
Enterprise Value-
Income20.49M
Sales82.87M
Book / share5.65
Cash / share-
Dividend Est.-
Dividend TTM-
Dividend Ex-Date-
Dividend Gr. 3/5Y- -
Payout0.00%
Employees98
IPOMay 08, 2003

Ratios

Price / earnings10.26
Forward price / earnings6.86
Price / earnings / growth0.29
Price / sales1.36
Price / book1.59
Price / cash-
Price / free cash flow4.44
Value / cash profit-
Value / sales-
Quick Ratio-
Current Ratio0.44
Debt / equity0.31
Long-term debt / equity0.12
Options and shortNo / Yes

Earnings

Earnings / share0.87
Earnings next year1.31
Earnings next quarter0.31
Earnings this year63.85%
Earnings next year12.32%
Earnings growth, 5 years23.89%
Past earnings growth1.71% -
Past sales growth46.03% 58.98%
Earnings vs last year20.16%
Sales vs last year24.01%
Earnings vs last quarter-4.26%
Sales vs last quarter38.96%
EarningsNov 12 AMC
Surprise-3.23% -

Ownership

Insiders own57.01%
Insider trades0.00%
Institutions own9.79%
Institution trades6.65%
Return on assets1.71%
Return on equity16.68%
Return on capital13.58%
Gross Margin-
Operating margin32.77%
Profit Margin24.73%
20-day average0.47%
50-day average0.06%
200-day average31.58%

Technical

Shares out12.34M
Shares floating10.35M
Short / float0.95%
Short ratio1.05
Short interest0.10M
52-week high10.68 -16.1%
52-week low4.04 +121.8%
Volatility4.47% 4.47%
Average range0.40
Strength index50.57
Market sensitivity0.28
Relative volume0.00
Avg Volume93.72K
Volume0

Performance

Perf Week3.23%
Perf Month-0.44%
Perf Quarter-8.66%
Perf Half Y62.61%
Perf YTD110.82%
Perf Year116.95%
Perf 3Y177.40%
Perf 5Y71.98%
Perf 10Y154.55%
Recommendation1.00
Target Price10.92
Prev Close8.96
Price8.96
Change %0.00%

Analyst ratings

latest 4 of 4
DateActionAnalystRating changeTargetImplied
May 13, 2026UpgradeCompass PointNeutral → Buy$6.50-27.5%
Apr 20, 2026InitiatedBrean CapitalBuy$7-21.9%
Apr 07, 2026InitiatedAlliance Global PartnersBuy$6.50-27.5%
May 23, 2024InitiatedCompass PointNeutral$5.25-41.4%

Peers

Mkt cap
TickerCompanyMkt cap
BAFNBayFirst Financial Corp200.08M
USCBUSCB Financial Holdings Inc370.11M
AMTBAmerant Bancorp Inc1.19B
CCBGCapital City Bank Group Inc872.30M
BYFCBroadway Financial Corp108.65M
FUSBFirst US Bancshares Inc85.33M
AUBNAuburn National Bancorp Inc90.22M
PNBKPatriot National Bancorp Inc107.43M
SBCFSeacoast Banking Corp Of Florida3.23B
UNBUnion Bankshares Inc112.96M

Insider trading

3 filings
InsiderRelationshipDateTransactionCostSharesValueTotal heldForm
Terry TimothyPEOFeb 02 '26Sale4.7339,304185,9080Feb 04 08:16 AM
Terry TimothyOfficerJan 05 '26Proposed Sale4.2439,304166,648Jan 05 12:37 PM
Blisko MichaelDirectorDec 04 '25Sale4.097,60031,084604,645Dec 08 11:07 AM

Held by

AUM
TickerCompanyAUM
VTIVanguard Morningstar Total Stock Market ETFAUM: 696.31B
VXFVanguard Extended Market Index ETFAUM: 30.79B
DFATU.S. Targeted Value Portfolio-ETF Class SharesAUM: 14.54B
IWCiShares Micro-Cap ETFAUM: 1.23B
BUSMEA Bridgeway Ultra-Small Company Market ETFAUM: 112.81M
BSVOEA Bridgeway Omni Small-Cap Value ETFAUM: 2.45B
DFACU.S. Core Equity 2 Portfolio-ETF Class SharesAUM: 49.67B
DCORUS Core Equity 1 Portfolio ETF Class SharesAUM: 3.69B
DXUVUS Vector Equity Portfolio ETF Class SharesAUM: 671.26M
DFMCU.S. Micro Cap Portfolio ETF Class SharesAUM: 213.58M

News

latest 14 of 200
  • OptimumBank Holdings, Inc. Financial Performance for the Third Quarter of 2026 (GlobeNewswire)
  • OptimumBank's 46% Rally Meets A Revenue Reset As Profit Durability Faces A Test (Earnings Whispers)
  • OptimumBank Holdings, Inc., to Announce Third Quarter 2026 Results and Host Earnings Webcast on November 13, 2026 (Newsfile Corp.)
  • OptimumBank Holdings Inc (OPHC) (Q2 2026) Earnings Call Highlights: Record Net Income and ... (GuruFocus.com) +6.86%
  • OptimumBank Holdings, Inc., Announced Second Quarter 2026 Results and Will Host Earnings Webcast on August 13, 2026 (Newsfile Corp.)
  • OptimumBank Holdings, Inc. Financial Performance for the Second Quarter of 2026 (GlobeNewswire) +5.35%
  • OptimumBank Holdings, Inc. Named Among Nation's Top Community Banks in Raymond James Community Bankers Cup (Newsfile Corp.)
  • OptimumBank Holdings, Inc. to Present at Planet MicroCap Las Vegas Powered by MicroCapClub (Newsfile Corp.)
  • OptimumBank Holdings, Inc. Announces Executive Leadership Transition; Chairman Moishe Gubin Appointed CEO (Newsfile Corp.)
  • OptimumBank Holdings, Inc. Reports Best Year in Company History; To Present Shareholder Deck Highlighting 21%+ Core ROAE at April 28, 2026 Annual Meeting (Newsfile Corp.)
  • OptimumBank Holdings, Inc. Financial Performance for the First Quarter of 2026 (GlobeNewswire)
  • OptimumBank Holdings, Inc. Announces Initiation of Coverage by Brean Capital (Newsfile Corp.)
  • OptimumBank Holdings, Inc. Announces Initiation of Coverage by Alliance Global Partners (Newsfile Corp.)
  • OptimumBank Holdings, Inc. To Hold Annual Shareholder Meeting and Investor Day, Tuesday, April 28, 2026 at its Headquarters in Ft. Lauderdale, Florida (Newsfile Corp.)

Quarterly earnings

2026Q3 EPS 0.300 missed 0.310, from 0.180 a year earlier. Sales 19.62, from 13.03 a year earlier
EPS
0.32002024Q4 EPS 0.180 against 0.17024Q42025Q1 EPS 0.320 against 0.17025Q12025Q2 EPS 0.290 against 0.15025Q22025Q3 EPS 0.180 against 0.15025Q32025Q4 EPS 0.210 against 0.20025Q42026Q1 EPS 0.200 against 0.19326Q12026Q2 EPS 0.280 against 0.20726Q22026Q3 EPS 0.300 against 0.31026Q3
Sales, USD millions
19.6202024Q4 sales 10.0824Q42025Q1 sales 10.6625Q12025Q2 sales 12.0825Q22025Q3 sales 13.0325Q32025Q4 sales 13.6025Q42026Q1 sales 14.9726Q12026Q2 sales 17.1826Q22026Q3 sales 19.6226Q3

The outline behind the bar is the estimate. The filled bar is the print. Green beat it, red missed it.

PeriodReportedEPS adjustedEPS estEPS reportedSales act, USD mSales est, USD mSurpriseYear-ago quarterAnalystsNext session
2026Q3ended 2026-09-302026-11-12 16:300.3000.3100.26519.62-EPS -3.2% · sales -vs 2025Q3, year-ago quarter · EPS +66.7% · sales +50.6%3-
2026Q2ended 2026-06-302026-07-24 08:300.2800.2070.28017.18-EPS +35.5% · sales -vs 2025Q2, year-ago quarter · EPS -3.4% · sales +42.3%3Open +1.17% vs SPY +0.04%. Close +5.35% vs SPY +0.10%
2026Q1ended 2026-03-312026-04-24 08:300.2000.1930.19814.97-EPS +3.5% · sales -vs 2025Q1, year-ago quarter · EPS -37.5% · sales +40.5%3Open -0.37% vs SPY +0.32%. Close +1.66% vs SPY +0.77%
2025Q4ended 2025-12-312026-02-02 08:300.2100.2000.21013.60-EPS +5.0% · sales -vs 2024Q4, year-ago quarter · EPS +16.7% · sales +34.9%1Open +0.85% vs SPY -0.35%. Close +3.18% vs SPY +0.50%
2025Q3ended 2025-09-302025-11-12 16:300.1800.1500.18513.03-EPS +20.0% · sales -vs 2024Q3, year-ago quarter · EPS -43.8% · sales +29.3%1Open +0.48% vs SPY -0.42%. Close -0.61% vs SPY -1.66%
2025Q2ended 2025-06-302025-08-07 08:300.2900.1500.29312.08-EPS +93.3% · sales -vs 2024Q2, year-ago quarter · EPS -14.7% · sales +21.5%1Open +0.44% vs SPY +0.55%. Close -10.99% vs SPY -0.08%
2025Q1ended 2025-03-312025-05-13 08:300.3200.1700.31610.66-EPS +88.2% · sales -vs 2024Q1, year-ago quarter · EPS +166.7% · sales -1Open 0.00% vs SPY +0.07%. Close -1.05% vs SPY +0.66%
2024Q4ended 2024-12-312025-02-05 08:300.1800.1700.34010.08-EPS +5.9% · sales --1Open +0.45% vs SPY -0.19%. Close +0.99% vs SPY +0.41%
2024Q3ended 2024-09-302024-11-08 16:300.3200.1600.32110.08-EPS +100.0% · sales --1Open +7.66% vs SPY +0.27%. Close -6.75% vs SPY +0.10%
2024Q2ended 2024-06-302024-08-06 08:300.3400.1500.3449.94-EPS +126.7% · sales --1Open +1.78% vs SPY +0.36%. Close -0.22% vs SPY +0.92%
2024Q1ended 2024-03-312024-04-26 12:000.120-0.311--EPS - · sales ---Open +1.67% vs SPY +0.57%. Close +1.67% vs SPY +0.95%
2026Q4ended 2026-12-31--0.313---EPS - · sales -vs 2025Q4, year-ago quarter · EPS - · sales -3-
2027Q1ended 2027-03-31--0.310---EPS - · sales -vs 2026Q1, year-ago quarter · EPS - · sales -3-
2027Q2ended 2027-06-30--0.323---EPS - · sales -vs 2026Q2, year-ago quarter · EPS - · sales -3-
2027Q3ended 2027-09-30--0.333---EPS - · sales -vs 2026Q3, year-ago quarter · EPS - · sales -3-
2027Q4ended 2027-12-31--0.343---EPS - · sales -vs 2026Q4, year-ago quarter · EPS - · sales -3-

Annual earnings

2025FY EPS 0.710 beat 0.700, from 1.330 a year earlier. Sales 49.36, from 39.31 a year earlier
EPS
1.33002024FY EPS 1.330 against 0.60020242025FY EPS 0.710 against 0.7002025
Sales, USD millions
49.3602024FY sales 39.3120242025FY sales 49.362025

Reported years only. The outline behind the bar is the estimate. A later year with no print stays in the table.

earnings feed, not the snapshot. Not the statement ratio.

PeriodEPS adjustedEPS estEPS reportedSales act, USD mSales est, USD mP/E, earnings feed
2028FYestimate-1.350---6.64
2027FYestimate-1.307---6.86
2026FYestimate-1.163---7.70
2025FY0.7100.7000.71049.36-5.99
2024FY1.3300.6001.33339.31-3.58

Estimate revisions

Latest snapshot of each period and type. 2026Q4 E 0.31 per share.
PeriodTypeScaleDateMeanvs prior date
2026Q4Eper share2026-11-130.310.0%
2026Q4Rper share2026-11-130.270.0%
2026FYEper share2026-10-271.160.0%
2026Q3Eper share2026-10-270.310.0%
2026FYRper share2026-10-271.020.0%
2026Q3Rper share2026-10-270.270.0%
2026Q2Eper share2026-07-130.210.0%
2026Q2Rper share2026-07-130.210.0%
2026Q1Eper share2026-04-170.19-0.9%
2026Q1Rper share2026-04-170.190.0%
2025FYEper share2026-01-280.700.0%
2025Q4Eper share2026-01-280.200.0%
2025Q3Eper share2025-08-070.150.0%
2025Q2Eper share2025-07-270.150.0%
2025Q1Eper share2025-05-110.170.0%
2024Q4Eper share2025-01-250.170.0%
2024Q3Eper share2024-10-210.160.0%
2024Q2Eper share2024-05-220.15-

Estimate history

Annual
Metric201720182019202020212022202320242025TTMMRQ
EPS per share-0.5330.533-0.578-0.2671.6150.6760.8681.3330.7110.8732-
Sales USD millions5457122339647183-
Shares million shares12335771212-24
Quarterly
MetricQ2 '24Q3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26
EPS per share0.3440.3210.340.3160.2930.1850.210.1980.281
Sales USD millions161617161718192124
Shares million shares101012121212121224

Income statement, annual

USD millions, except where the row names a unit. The percent under a figure is against the same period a year earlier. TTM has no earlier TTM to compare with, and a ratio or a margin has no change.
MetricTTM2025FY12/31/20252024FY12/31/20242023FY12/31/20232022FY12/31/20222021FY12/31/20212020FY12/31/20202019FY12/31/20192018FY12/31/2018
Interest Income74.9464.35+7.9%59.63+66.7%35.78+80.0%19.88+91.3%10.39+54.8%6.71+29.8%5.17+20.5%4.29
Total Interest Expense24.1321.77-12.7%24.94+106.6%12.07+198.0%4.05+313.3%0.98-43.0%1.72-16.1%2.05+64.0%1.25
Net Interest Income50.8142.59+22.8%34.69+46.3%23.71+49.7%15.84+68.5%9.40+88.4%4.99+59.4%3.13+2.6%3.05
Loan Loss Provision1.892.04-8.1%2.22-45.2%4.05+16.7%3.47+196.6%1.17+14.7%1.02-0.08-1.75
Net Interest Income After Loan Loss Provision48.9140.55+24.9%32.47+65.1%19.67+59.0%12.37+50.3%8.23+107.3%3.97+23.7%3.21-33.1%4.80
Non-Interest Income7.936.77+46.5%4.62+33.9%3.45+16.6%2.96+107.0%1.43+393.1%0.29+61.1%0.18+125.0%0.08
Non-Interest Expense29.6925.15+29.2%19.46+36.2%14.29+43.8%9.94+43.2%6.94+37.4%5.05+16.6%4.33+5.9%4.09
Operating Income27.1622.17+25.8%17.63+99.7%8.83+63.8%5.39+97.4%2.73-0.78-0.94-217.5%0.80
Unusual Expense0.000.000.00-100.0%0.380.000.000.000.000.00
Net Income Before Taxes27.1622.17+25.8%17.63+108.4%8.46+57.0%5.39+75.6%3.07-0.78-1.15-243.8%0.80
Income Taxes6.665.52+22.4%4.51+107.8%2.17+58.4%1.37-3.230.00-0.050.00
Consolidated Net Income20.4916.65+26.9%13.12+108.9%6.28+56.2%4.02-36.2%6.30-0.78-1.10-237.5%0.80
Net Income From Continuing Operations20.4916.65+26.9%13.12+108.9%6.28+56.2%4.02-36.2%6.30-0.78-1.10-237.5%0.80
Net Income20.4916.65+26.9%13.12+108.9%6.28+56.2%4.02-36.2%6.30-0.78-1.10-237.5%0.80
EPS (Recurring) per share-0.71-46.6%1.33+47.8%0.90+32.4%0.68-57.8%1.61-0.27-0.58-209.4%0.53
EPS (Basic, Before Extraordinaries) per share1.581.42+2.2%1.39+59.8%0.87+27.9%0.68-57.8%1.61-0.27-0.58-209.4%0.53
EPS (Diluted) per share0.870.71-46.6%1.33+52.9%0.87+27.9%0.68-57.8%1.61-0.27-0.58-209.4%0.53
Non-Operating Income (Expense)0.000.000.000.000.00-100.0%0.340.00-0.210.00
Other After Tax Adjustments0.000.000.000.000.000.000.000.000.00
Stock Option Compensation Expense-0.69+76.9%0.39+8.3%0.36+24.1%0.29+93.3%0.15-6.3%0.16+6.7%0.150.0%0.15
Price To Earnings Ratio ratio statement ratio, not the snapshot10.2610.263.585.682.912.78--4.66
Price To Sales Ratio ratio1.671.400.730.771.071.301.410.981.02
Operating Margin %32.7731.1727.4422.5123.6123.08-11.17-17.4918.19
Net Margin %24.7323.4120.4316.0117.6153.25-11.17-20.5418.19
Shares Outstanding million shares23.8011.53-0.9%11.64+60.6%7.25+2.7%7.06+47.7%4.78+49.4%3.20+12.3%2.85+53.2%1.86
Market Capitalization215.76215.76+349.2%48.03+58.4%30.32+9.5%27.68+48.9%18.59+86.8%9.95+86.3%5.34-1.8%5.44

Income statement, quarterly

USD millions, except where the row names a unit. The percent under a figure is against the same period a year earlier. TTM has no earlier TTM to compare with, and a ratio or a margin has no change.
Metric2026Q26/30/20262026Q13/31/20262025Q412/31/20252025Q39/30/20252025Q26/30/20252025Q13/31/20252024Q412/31/20242024Q39/30/2024
Interest Income21.72+39.3%19.45+29.6%17.44+11.5%16.32+6.5%15.59+2.6%15.01+11.5%15.64+39.9%15.33+72.2%
Total Interest Expense7.03+31.4%6.26+12.2%5.57-13.1%5.27-17.3%5.35-17.1%5.58-2.3%6.41+58.7%6.37+113.0%
Net Interest Income14.70+43.6%13.19+39.9%11.87+28.5%11.05+23.3%10.24+17.2%9.43+21.7%9.24+29.2%8.96+51.6%
Loan Loss Provision-0.04-103.8%0.770.40-34.4%0.76+111.1%1.04+420.0%-0.17-116.0%0.61-43.5%0.36-75.2%
Net Interest Income After Loan Loss Provision14.73+60.1%12.42+29.5%11.47+33.1%10.29+19.5%9.20+7.6%9.59+43.3%8.62+42.0%8.61+92.6%
Non-Interest Income2.49+36.1%1.79+45.5%1.67+56.1%1.98+78.4%1.83+52.5%1.23-0.8%1.07+2.9%1.11+22.0%
Non-Interest Expense8.38+35.6%8.01+42.3%6.69+52.7%6.60+24.8%6.18+21.7%5.63+19.5%4.38+18.7%5.29+44.9%
Operating Income8.84+81.9%6.20+19.2%6.46+21.7%5.66+27.8%4.86+4.3%5.20+61.5%5.31+55.3%4.43+156.1%
Unusual Expense0.000.000.000.000.000.000.000.00
Net Income Before Taxes8.84+81.9%6.20+19.2%6.46+21.7%5.66+27.8%4.86+4.3%5.20+61.5%5.31+55.3%4.43+156.1%
Income Taxes2.18+74.4%1.53+15.0%1.60+17.6%1.34+18.6%1.25+6.8%1.33+56.5%1.36+54.5%1.13+145.7%
Consolidated Net Income6.66+85.0%4.66+20.4%4.85+22.8%4.32+30.9%3.60+2.9%3.87+62.6%3.95+54.9%3.30+159.8%
Net Income From Continuing Operations6.66+85.0%4.66+20.4%4.85+22.8%4.32+30.9%3.60+2.9%3.87+62.6%3.95+54.9%3.30+159.8%
Net Income6.66+85.0%4.66+20.4%4.85+22.8%4.32+30.9%3.60+2.9%3.87+62.6%3.95+54.9%3.30+159.8%
EPS (Recurring) per share0.28-3.4%0.20-37.5%-0.18-43.8%0.29-14.7%0.32+3.2%0.34-2.9%0.32+77.8%
EPS (Basic, Before Extraordinaries) per share0.40+29.0%0.39+18.2%0.42+23.5%0.37+8.8%0.31-13.9%0.33+6.5%0.34-2.9%0.34+100.0%
EPS (Diluted) per share0.28-3.4%0.20-37.5%0.21-38.2%0.18-43.8%0.29-14.7%0.32+3.2%0.34-2.9%0.32+88.2%
Non-Operating Income (Expense)0.000.000.000.000.000.000.000.00
Other After Tax Adjustments0.000.000.000.000.000.000.000.00
Stock Option Compensation Expense0.00-100.0%0.34+47.8%-0.460.06-60.0%0.23-4.2%-0.00
Price To Earnings Ratio ratio statement ratio, not the snapshot10.265.763.703.193.353.093.583.44
Price To Sales Ratio ratio1.671.581.381.400.820.760.860.79
Operating Margin %36.5129.1833.7930.9427.8732.0031.7826.96
Net Margin %27.4921.9525.3923.6220.6823.8323.6420.07
Shares Outstanding million shares23.80+102.6%12.17+3.6%11.53-0.9%11.88+18.7%11.75+21.4%11.75+22.0%11.64+60.6%10.01+38.1%
Market Capitalization215.76+310.7%62.05+28.5%49.02+2.1%48.18+8.9%52.53+26.8%48.30+43.1%48.03+58.4%44.23+91.8%

Balance sheet, annual

USD millions, except where the row names a unit. The percent under a figure is against the same period a year earlier. TTM has no earlier TTM to compare with, and a ratio or a margin has no change.
Metric2025FY12/31/20252024FY12/31/20242023FY12/31/20232022FY12/31/20222021FY12/31/20212020FY12/31/20202019FY12/31/20192018FY12/31/20182017FY12/31/2017
Cash & Due from Banks9.35-33.1%13.98-0.2%14.01-29.2%19.79+44.7%13.68-46.4%25.52+1109.5%2.11+9.3%1.93+58.2%1.22
Investments133.64+26.5%105.63+16.4%90.72+15.9%78.29-4.0%81.52+55.3%52.49+181.0%18.68+12.0%16.68-27.0%22.86
Net Loans947.29+19.2%794.99+18.5%671.09+40.6%477.22+92.5%247.90+62.6%152.47+49.1%102.23+32.4%77.20+13.2%68.22
Investment in Unconsolidated Affiliates0.000.000.000.000.000.000.000.000.00
Customer Liability on Acceptances0.000.000.000.000.000.000.000.000.00
Real Estate Assets0.55--------
Net Property, Plant & Equipment5.11+7.8%4.74+33.9%3.54+16.1%3.05+18.2%2.58+11.2%2.32-4.9%2.44-8.6%2.67+3.1%2.59
Interest Receivables3.62+8.1%3.35+35.6%2.47+71.5%1.44+48.5%0.97-27.6%1.34+211.6%0.43+38.7%0.31-3.1%0.32
Deferred Tax Assets3.11+3.7%3.00-26.7%4.09-16.5%4.90+19.5%4.10+13566.7%0.03---
Other Intangible Assets9.01+24.3%7.25+11.4%6.51+309.4%1.59-11.2%1.79+82.7%0.98+15.3%0.85+28.8%0.660.0%0.66
Total Assets1,111.68+19.2%932.93+17.7%792.44+35.2%586.28+66.3%352.54+49.9%235.11+85.5%126.75+27.5%99.45+3.7%95.87
Total Deposits931.75+20.7%772.20+20.7%639.58+25.9%507.90+73.7%292.46+53.3%190.76+88.2%101.37+62.5%62.38-4.4%65.25
Total Debt52.74-0.1%52.77-32.2%77.85+534.0%12.28-37.9%19.77-23.9%25.99+56.2%16.64-43.8%29.62+15.4%25.66
Long Term Debt2.75+17.5%2.34-80.4%11.93+0.2%11.91-39.0%19.52-6.3%20.83+26.4%16.48+74.2%9.46-6.8%10.15
Provision for Risks Charges0.27+80.0%0.15-51.6%0.310.000.000.000.000.000.00
Deferred Tax Liabilities--1.19+12.3%1.06+60.6%0.66----
Other Liabilities5.02+8.4%4.63+31.9%3.51+42.7%2.46+146.0%1.00+156.4%0.39-70.5%1.32-29.4%1.87-22.7%2.42
Total Liabilities989.78+19.3%829.75+14.9%722.43+37.9%523.70+66.8%313.88+44.6%217.14+82.0%119.33+27.1%93.87+0.6%93.32
Preferred Stock - Carrying Value0.000.000.000.000.000.000.000.000.00
Common Equity121.90+18.1%103.18+47.4%70.01+11.9%62.58+62.5%38.51+116.0%17.83+147.3%7.21+35.8%5.31+109.1%2.54
Total Shareholders Equity121.90+18.1%103.18+47.4%70.01+11.9%62.58+62.5%38.51+116.0%17.83+147.3%7.21+35.8%5.31+109.1%2.54
Accumulated Minority Interest0.000.000.000.000.000.000.000.000.00
Total Equity121.90+18.1%103.18+47.4%70.01+11.9%62.58+62.5%38.51+116.0%17.83+147.3%7.21+35.8%5.31+109.1%2.54
Total Liabilities & Stockholders Equity1,111.68+19.2%932.93+17.7%792.44+35.2%586.28+66.4%352.39+50.0%234.97+85.7%126.54+27.6%99.18+3.5%95.87
Book Value Per Share per share10.57+19.2%8.87-8.2%9.66+8.9%8.87+10.0%8.06+44.7%5.57+120.2%2.53-11.5%2.86+26.0%2.27
Tangible Book Value Per Share per share10.57+19.2%8.87-8.2%9.66+8.9%8.87+10.0%8.06+44.7%5.57+120.2%2.53-11.5%2.86+26.0%2.27
Tier 1 Capital------10.93-2.2%11.18+16.7%9.58
Tier 2 Capital------1.28+32.0%0.97+6.6%0.91
Full-Time Employees people98+34.2%73+21.7%60+25.0%48+26.3%38+40.7%27+42.1%190.0%19+18.8%16
Price to Book Ratio ratio1.590.510.460.540.490.611.101.051.97
Return on Assets %1.631.520.910.862.14-0.43-0.970.82-0.61
Return on Equity %14.7915.169.487.9622.35-6.25-17.5820.28-23.14
Return on Invested Capital %13.3612.447.675.4010.85-2.02-4.645.39-4.64
Current Ratio ratio0.120.180.140.190.480.290.090.140.24

Cash flow, annual

USD millions, except where the row names a unit. The percent under a figure is against the same period a year earlier. TTM has no earlier TTM to compare with, and a ratio or a margin has no change.
MetricTTM2025FY12/31/20252024FY12/31/20242023FY12/31/20232022FY12/31/20222021FY12/31/20212020FY12/31/20202019FY12/31/20192018FY12/31/2018
Funds from Operations23.9719.87+21.2%16.39+34.3%12.20+49.5%8.16+19.0%6.86+814.7%0.75-0.30-0.56
Extraordinary Item0.000.000.000.000.000.000.000.000.00
Changes in Working Capital2.74-2.03-0.78-5.32-341.8%2.20-3.10-2.21-0.26-144.1%0.59
Cash from Operating Activities26.7017.84+14.3%15.61+126.9%6.88-33.6%10.36+175.5%3.76-1.46-0.56-2900.0%0.02
Capital Expenditures-1.23-0.90-0.99-0.67-0.32-0.38-0.20-0.51-0.23
Net Assets From Acquisitions0.000.000.000.000.000.000.000.000.00
Sale of Fixed Assets and Businesses0.000.000.000.000.00-100.0%1.080.00-100.0%0.350.00
Purchase or Sale of Investments-2.85-1.05-180.8%1.30-19.3%1.61-39.0%2.64-14.19-10.35-1.67-197.1%1.72
Purchase of Investments-4.69-2.350.000.000.00-19.51-15.72-4.160.00
Sale Or Maturity of Investments1.841.300.0%1.30-19.3%1.61-39.0%2.64-50.4%5.32-0.9%5.37+116.5%2.48+44.2%1.72
Other Uses0.000.000.000.000.000.000.000.000.00
Other Sources0.000.000.000.000.000.000.000.000.00
Cash from Investing Activities-437.33-156.68-125.47-199.66-229.80-108.76-62.77-25.32-6.02
Cash Dividends Paid0.000.000.000.000.000.000.000.000.00
Change in Capital Stock0.930.22-98.9%19.82+6093.8%0.32-98.7%24.87+96.8%12.64+19.9%10.540.00-100.0%0.53
Repurchase of Common Pref Stock0.000.000.000.000.000.000.000.000.00
Sale of Common Pref Stock0.930.22-98.9%19.82+6093.8%0.32-98.7%24.87+96.8%12.64+19.9%10.540.00-100.0%0.53
Proceedsfrom Stock Options0.930.22-98.9%19.82+6093.8%0.32-98.7%24.87+96.8%12.64+19.9%10.540.00-100.0%0.53
Issuance or Reduction of Debt, Net-25.000.00-25.60-139.0%65.60-8.00-5.00-150.0%10.00-12.16-360.9%4.66
Change in Long Term Debt0.000.000.000.000.000.000.000.000.00
Issuance of Long Term Debt0.000.000.000.000.000.000.000.000.00
Reduction of Long Term Debt0.000.000.000.000.000.000.000.000.00
Net Financing Active Other Cash Flow0.000.000.000.000.000.000.000.000.00
Other Financing Activities Uses0.000.000.000.000.000.000.000.000.00
Cash from Financing Activities375.11159.77+26.0%126.83-35.8%197.61-14.9%232.31+112.5%109.34-0.5%109.93+309.7%26.83+1061.5%2.31
Net Change in Cash-35.5220.93+23.3%16.97+251.3%4.83-62.5%12.87+196.5%4.34-90.5%45.70+4710.5%0.95-3.68
Free Cash Flow25.4716.95+15.9%14.62+135.4%6.21-38.1%10.04+197.0%3.38-1.66-1.07-0.21
Preferred Dividends (Cash Flow)-0.000.000.000.000.000.000.000.00
Price to Free Cash Flow ratio5.435.873.214.872.434.53---
Federal Home Loan Advances Increase (Decrease)--0.10-123.8%0.42-2.75-1547.4%0.19-36.7%0.30-0.45-191.8%0.49-0.15

Balance sheet, quarterly

USD millions, except where the row names a unit. The percent under a figure is against the same period a year earlier. TTM has no earlier TTM to compare with, and a ratio or a margin has no change.
Metric2026Q26/30/20262026Q13/31/20262025Q412/31/20252025Q39/30/20252025Q26/30/20252025Q13/31/20252024Q412/31/20242024Q39/30/2024
Cash & Due from Banks14.64+65.8%15.07+11.3%9.35-33.1%9.27-39.6%8.83-25.9%13.54-3.5%13.98-0.2%15.36+60.7%
Investments160.42-18.2%154.88+0.3%133.64+26.5%249.65+74.0%196.22+65.3%154.35-5.6%105.63+16.4%143.49+20.8%
Net Loans1,204.38+55.5%1,078.53+36.3%947.29+19.2%802.81+4.4%774.55+3.0%791.23+6.0%794.99+18.5%768.91+34.1%
Investment in Unconsolidated Affiliates0.000.000.000.000.000.000.000.00
Net Property, Plant & Equipment5.54+11.2%5.31+8.4%5.11+7.8%5.03+29.3%4.98+27.7%4.90+33.5%4.74+33.9%3.89+11.8%
Interest Receivables4.86+54.8%3.99+21.3%3.62+8.1%3.17+0.6%3.14+5.0%3.29+10.0%3.35+35.6%3.15+77.0%
Deferred Tax Assets3.14+0.3%3.12+12.2%3.11+3.7%3.24+16.1%3.13+3.6%2.78-10.6%3.00-26.7%2.79-15.2%
Other Intangible Assets7.96-3.9%7.83+6.1%9.01+24.3%9.87+29.7%8.28+12.5%7.38+5.1%7.25+11.4%7.61+177.7%
Total Assets1,400.94+40.2%1,268.73+29.8%1,111.68+19.2%1,083.04+14.6%999.13+11.0%977.47+3.9%932.93+17.7%945.19+32.5%
Total Deposits1,214.05+38.1%1,092.88+28.1%931.75+20.7%959.49+19.0%878.87+15.2%852.93+6.8%772.20+20.7%806.51+30.4%
Total Debt41.55+1462.0%42.65+234.5%52.74-0.1%2.85-93.2%2.66-94.4%12.75-77.0%52.77-32.2%42.06+62.3%
Long Term Debt16.55+522.2%2.65-79.2%2.75+17.5%2.85-76.4%2.66-84.5%12.75+4.6%2.34-80.4%12.06-2.0%
Provision for Risks Charges0.000.000.27+80.0%0.000.000.000.15-51.6%0.00-100.0%
Other Liabilities10.96+75.4%6.36+67.8%5.02+8.4%3.82-3.0%6.25+105.6%3.79+4.1%4.63+31.9%3.94+68.4%
Total Liabilities1,266.56+42.7%1,141.89+31.3%989.78+19.3%966.15+13.3%887.78+9.2%869.47+1.4%829.75+14.9%852.50+31.8%
Preferred Stock - Carrying Value0.000.000.000.000.000.000.000.00
Common Equity134.38+20.7%126.85+17.5%121.90+18.1%116.89+26.1%111.35+28.0%108.00+30.1%103.18+47.4%92.69+39.9%
Total Shareholders Equity134.38+20.7%126.85+17.5%121.90+18.1%116.89+26.1%111.35+28.0%108.00+30.1%103.18+47.4%92.69+39.9%
Accumulated Minority Interest0.000.000.000.000.000.000.000.00
Total Equity134.38+20.7%126.85+17.5%121.90+18.1%116.89+26.1%111.35+28.0%108.00+30.1%103.18+47.4%92.69+39.9%
Total Liabilities & Stockholders Equity1,400.94+40.2%1,268.73+29.8%1,111.68+19.2%1,083.04+14.6%999.13+11.0%977.47+3.9%932.93+17.7%945.19+32.5%
Book Value Per Share per share5.65-40.4%10.43+13.5%10.57+19.2%9.84+6.3%9.48+5.5%9.19+6.6%8.87-8.2%9.26+1.3%
Tangible Book Value Per Share per share5.65-40.4%10.43+13.5%10.57+19.2%9.84+6.3%9.48+5.5%9.19+6.6%8.87-8.2%9.26+1.3%
Full-Time Employees people--98+34.2%---73+21.7%-
Price to Book Ratio ratio1.590.490.430.430.490.460.510.49
Return on Assets %1.711.551.631.551.551.521.521.41
Return on Equity %16.6814.8514.7915.0314.8515.3015.1614.75
Return on Invested Capital %4.413.603.893.613.163.203.743.15
Current Ratio ratio0.440.420.120.760.710.620.180.58

Cash flow, quarterly

USD millions, except where the row names a unit. The percent under a figure is against the same period a year earlier. TTM has no earlier TTM to compare with, and a ratio or a margin has no change.
Metric2026Q26/30/20262026Q13/31/20262025Q412/31/20252025Q39/30/20252025Q26/30/20252025Q13/31/20252024Q412/31/20242024Q39/30/2024
Funds from Operations6.76+49.6%6.07+44.2%5.55+9.0%5.58+58.1%4.52+11.9%4.21+12.9%5.09+35.0%3.53+19.3%
Extraordinary Item0.000.000.000.000.000.000.000.00
Changes in Working Capital3.52+114.6%1.801.08+24.1%-3.67-864.6%1.64-1.080.870.48
Cash from Operating Activities10.28+66.9%7.87+151.4%6.63+11.2%1.92-52.1%6.16+98.7%3.13+23.2%5.96+1652.9%4.01+231.4%
Capital Expenditures-0.48-0.44-0.31-0.01-0.30-0.28-0.22-0.15
Net Assets From Acquisitions0.000.000.000.000.000.000.000.00
Sale of Fixed Assets and Businesses0.000.000.000.000.000.000.000.00
Purchase or Sale of Investments0.28-9.7%-1.50-655.6%-1.96-615.8%0.33+3.1%0.31-8.8%0.27+3.8%0.38-22.4%0.32-23.8%
Purchase of Investments0.00-2.34-2.350.000.000.000.000.00
Sale Or Maturity of Investments0.28-9.7%0.84+211.1%0.39+2.6%0.33+3.1%0.31-8.8%0.27+3.8%0.38-22.4%0.32-23.8%
Other Uses0.000.000.000.000.000.000.000.00
Other Sources0.000.000.000.000.000.000.000.00
Cash from Investing Activities-125.18-872.2%-133.54-2434.6%-149.42-29.1916.215.72-27.24-16.78
Cash Dividends Paid0.000.000.000.000.000.000.000.00
Preferred Dividends (Cash Flow)0.000.000.000.000.000.000.000.00
Change in Capital Stock0.96-0.01-104.2%0.00-100.0%-0.01-100.7%-0.010.24-97.8%7.631.46
Repurchase of Common Pref Stock0.000.000.000.000.000.000.000.00
Sale of Common Pref Stock0.96-0.01-104.2%0.00-100.0%-0.01-100.7%-0.010.24-97.8%7.631.46
Proceedsfrom Stock Options0.96-0.01-104.2%0.00-100.0%-0.01-100.7%-0.010.24-97.8%7.631.46
Issuance or Reduction of Debt, Net-1.00-10.0050.00+400.0%0.00-10.00-40.0010.00-80.8%-5.00-136.8%
Change in Long Term Debt0.000.000.000.000.000.000.000.00
Issuance of Long Term Debt0.000.000.000.000.000.000.000.00
Reduction of Long Term Debt0.000.000.000.000.000.000.000.00
Net Financing Active Other Cash Flow0.000.000.000.000.000.000.000.00
Other Financing Activities Uses0.000.000.000.000.000.000.000.00
Cash from Financing Activities121.12+660.3%151.12+268.8%22.2680.61+99.9%15.9340.98-72.2%-16.68-122.8%40.32-49.8%
Net Change in Cash6.22-83.8%25.46-48.9%-120.5353.33+93.6%38.3049.83-33.1%-37.9727.54+7.5%
Free Cash Flow9.81+67.4%7.43+160.7%6.33+10.3%1.91-50.5%5.86+113.9%2.85+24.5%5.74+3487.5%3.86+264.2%
Price to Free Cash Flow ratio5.435.595.805.873.003.313.795.20

Revenue breakdown

USD millions, so a column adds up to the income statement. Share is of the latest year in that split. The change is versus the older year shown, not TTM.

Product
Name20242025vs 20242025 share
National Commercial Banks39.3149.36+25.6%100.0%
Total39.3149.36+25.6%100.0%
Region
Name20242025vs 20242025 share
United States39.3149.36+25.6%100.0%
Total39.3149.36+25.6%100.0%

Short interest

shares short against float, oldest to newest
SettlementOf floatShares shortFloatAvg volume
2026-10-300.95%0.1M10.4M115.54K
2026-10-150.95%0.1M10.4M126.17K
2026-09-301.00%0.1M10.4M119.40K
2026-09-151.03%0.1M10.4M113.42K
2026-08-310.40%0.0M10.4M102.23K
2026-08-140.25%0.0M10.3M78.28K
2026-07-310.18%0.0M10.0M49.33K
2026-07-150.14%0.0M10.0M35.38K
2026-06-300.07%0.0M10.0M36.24K
2026-06-150.10%0.0M10.0M31.39K
2026-05-290.04%0.0M10.0M32.08K
2026-05-150.09%0.0M10.0M33.52K
2026-04-300.08%0.0M9.9M34.10K
2026-04-150.07%0.0M9.9M27.31K
2026-03-310.24%0.0M9.3M31.26K
2026-03-130.22%0.0M9.3M31.74K
2026-02-270.19%0.0M9.3M33.26K
2026-02-130.23%0.0M8.8M32.95K
2026-01-300.29%0.0M8.8M30.51K
2026-01-150.18%0.0M9.3M36.20K

Option chain

expiry 2026-11-13
TypeStrikeBidAskLastIVOpen intVolumeDeltaThetaVega
No option chain for this symbol.

Latest SEC filings

30
FiledFormDescriptionPeriodLink
2026-11-128-KCurrent report2026-11-05SEC
2026-11-128-KCurrent report2026-11-12SEC
2026-09-21EFFECTEffectiveness filing by commission orderSEC
2026-09-21424B3SEC
2026-09-11DEL AMSeparately filed delaying amendment under Securities Act Rule 473 to delay effectiveness of a 1933 Act registration statementSEC
2026-09-10S-4Registration statement for securities to be issued in business combination transactionsSEC
2026-08-198-KCurrent report2026-08-19SEC
2026-08-14SCHEDULE 13GSEC
2026-08-138-KCurrent report2026-08-13SEC
2026-08-1010-QQuarterly report pursuant to Section 13 or 15(d)2026-06-30SEC
2026-07-248-KCurrent report2026-07-24SEC
2026-05-1210-QQuarterly report pursuant to Section 13 or 15(d)2026-03-31SEC
2026-05-058-KCurrent report2026-05-01SEC
2026-05-048-KCurrent report2026-04-28SEC
2026-04-248-KCurrent report2026-04-24SEC
2026-03-31DEFA14AProxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934SEC
2026-03-26DEF 14AProxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 19342026-03-26SEC
2026-03-17PRE 14AProxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 19342026-03-17SEC
2026-02-2610-KAnnual report pursuant to Section 13 or 15(d)2025-12-31SEC
2026-02-238-KCurrent report2026-02-23SEC
2026-02-17SCHEDULE 13G/ASEC
2026-02-044Statement of changes in beneficial ownership of securities2026-02-02SEC
2026-02-028-KCurrent report2026-02-02SEC
2026-01-308-KCurrent report2026-01-27SEC
2026-01-304Statement of changes in beneficial ownership of securities2026-01-27SEC
2026-01-208-KCurrent report2026-01-20SEC
2026-01-05144Filing for proposed sale of securities under Rule 144.SEC
2025-12-094/A2025-12-04SEC
2025-12-084Statement of changes in beneficial ownership of securities2025-12-04SEC
2025-11-14SCHEDULE 13GSEC

Insider activity by month

MonthBoughtBuysSoldSells
2026-110000
2026-100000
2026-090000
2026-080000
2026-070000
2026-060000
2026-050000
2026-040000
2026-030000
2026-0200185.91K1
2026-010000
2025-120031.08K1
2025-110000

Institutional holders

Manager% owned
ALLIANCEBERNSTEIN L.P.5.02%
WELLINGTON MANAGEMENT GROUP LLP3.52%
VANGUARD CAPITAL MANAGEMENT LLC3.31%
MORGAN STANLEY0.82%
RENAISSANCE TECHNOLOGIES LLC0.64%
Mink Brook Asset Management LLC0.64%
Sparta 24 Ltd.0.60%
VANGUARD FIDUCIARY TRUST CO0.50%
SUSQUEHANNA INTERNATIONAL GROUP, LLP0.45%
DIMENSIONAL FUND ADVISORS LP0.42%

Funds

Fund% owned
VANGUARD TOTAL STOCK MARKET INDEX FUND2.30%
VANGUARD EXTENDED MARKET INDEX FUND0.86%
iShares Micro-Cap ETF0.29%
Fidelity Extended Market Index Fund0.22%
Ultra-Small Company Market Fund0.14%
Omni Small-Cap Value Fund0.12%
U.S. Targeted Value Portfolio0.12%
Fidelity Total Market Index Fund0.08%
Fidelity Series Total Market Index Fund0.06%
Dimensional U.S. Targeted Value ETF0.04%

OakChart. OPHC. Cached 15 minutes. Terms