OptimumBank Holdings, Inc. (OPHC) EBT Margin (2014 - 2026)
OptimumBank Holdings (OPHC) recorded EBT Margin of 51.43% in Q2 2026, up 11.23 percentage points from 40.20% a year earlier and up 10.04 percentage points from the prior quarter.
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Analysis
OptimumBank Holdings, Inc. (OPHC) EBT Margin (2014 - 2026) Analysis & Trends
On a TTM basis, OptimumBank Holdings' EBT Margin came in at 46.20% as of Jun 30, 2026, up 0.28 percentage points year-over-year; for FY2025, it was 44.92%, up 0.07 percentage points from FY2024.
- Annual EBT Margin has increased for six straight years, with a five-year change of +59.72 percentage points (FY2020 to FY2025).
- Across earlier years, EBT Margin came in at 44.85% in FY2024 (+13.72 pp), 31.13% in FY2023 (+2.45 pp), 28.69% in FY2022 (+1.23 pp) and 27.46% in FY2021 (+42.26 pp).
- The Q2 2026 figure is the highest quarterly EBT Margin since Q4 2024.
- On a year-over-year basis, EBT Margin rose in four of the last eight quarters, with an average year-over-year change of +4.23 percentage points.
- Peak year-over-year performance for EBT Margin in the last five years was a gain of 62.99 percentage points in Q3 2021, against a drop of 10.69 percentage points in Q3 2022 at the low end.
- Per Business Quant, the preceding three quarters came in at 41.39% (Q1 2026), 47.48% (Q4 2025) and 43.46% (Q3 2025).
Peer Set
Peer Comparison
Historic Data
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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, Inc. 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();