OptimumBank Holdings (OPHC) EBT Margin (2014 - 2026)
OptimumBank Holdings' (OPHC) quarterly EBT Margin came in at 51.43% in Q2 2026, up 1123.0% year-over-year from 4.21% in Q2 2025, and up 24.26% quarter-over-quarter from 41.39% in Q1 2026.
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Analysis
OptimumBank Holdings (OPHC) EBT Margin (2014 - 2026) Analysis & Trends
OptimumBank Holdings (OPHC) has reported EBT Margin for 12 consecutive years, with 51.43% the latest figure, recorded in Q2 2026.
- On a quarterly basis, EBT Margin rose 1123.0% year-over-year to 51.43% in Q2 2026; TTM through Jun 2026 was 46.2%, a 28.0% increase from a year earlier, with the FY2025 full-year figure at 44.92%, up 7.0% from the prior year.
- EBT Margin was 51.43% for Q2 2026 at OptimumBank Holdings, up from 41.39% in the prior quarter.
- Over five years, EBT Margin peaked at 51.54% in Q4 2024 and troughed at 18.07% in Q3 2022.
- A 5-year average of 38.15% and a median of 40.8% in 2025 frame the typical range for EBT Margin.
- Across the five-year window, EBT Margin plunged 1069 bps in 2022 and surged 1928 bps in 2024, its largest moves.
- Over 5 years, EBT Margin stood at 38.45% in 2022, then gained by 9 bps to 41.83% in 2023, then climbed by 23 bps to 51.54% in 2024, then decreased by 8 bps to 47.48% in 2025, then climbed by 8 bps to 51.43% in 2026.
- The last three EBT Margin figures came in at 51.43% (Q2 2026), 41.39% (Q1 2026), and 47.48% (Q4 2025), per Business Quant data.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBT Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Banco Santander Chile | 424.88 Bn | 544.83 Bn | - | - |
| 2 | Truist Financial | 59.29 Bn | 59.29 Bn | - | 34.47% |
| 3 | Fifth Third Bancorp | 47.98 Bn | 24.26 Bn | - | 31.64% |
| 4 | M&T Bank | 32.82 Bn | 32.82 Bn | - | 41.98% |
| 5 | Huntington Bancshares | 32.08 Bn | 27.60 Bn | - | 31.58% |
| 6 | Citizens Financial | 28.34 Bn | 28.34 Bn | - | 33.07% |
| 7 | Regions Financial | 24.27 Bn | 24.34 Bn | - | 37.65% |
| 8 | Keycorp | 22.19 Bn | -25.51 Bn | - | 33.08% |
| 9 | First Citizens Bancshares | 21.93 Bn | 21.41 Bn | 29.00 Mn | 1,204.05% |
| 10 | OptimumBank Holdings | 114.28 Mn | -31.96 Mn | - | 51.43% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 51.43% |
| Mar 31, 2026 | 41.39% |
| Dec 31, 2025 | 47.48% |
| Sep 30, 2025 | 43.46% |
| Jun 30, 2025 | 40.20% |
| Mar 31, 2025 | 48.76% |
| Dec 31, 2024 | 51.54% |
| Sep 30, 2024 | 44.01% |
| Jun 30, 2024 | 46.91% |
| Mar 31, 2024 | 35.86% |
| Dec 31, 2023 | 41.83% |
| Sep 30, 2023 | 25.32% |
| Jun 30, 2023 | 27.62% |
| Mar 31, 2023 | 26.71% |
| Dec 31, 2022 | 38.45% |
| Sep 30, 2022 | 18.07% |
| Jun 30, 2022 | 28.03% |
| Mar 31, 2022 | 29.53% |
| Dec 31, 2021 | 36.08% |
| Sep 30, 2021 | 28.76% |
API Access
OptimumBank Holdings EBT Margin API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=ebt-margin&ticker=OPHC&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "ebt-margin", "ticker": "OPHC", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=ebt-margin&ticker=OPHC&period=max&api_key=YOUR_API_KEY");
const data = await res.json();