OptimumBank Holdings (OPHC) EBT Margin (2014 - 2026)
OptimumBank Holdings (OPHC) posted quarterly EBT Margin of 41.39% for Q1 2026, down 736.0% year-over-year from 6.51% in Q1 2025, and little changed quarter-over-quarter from 41.47% in Q4 2025.
OptimumBank Holdings (OPHC) EBT Margin (2014 - 2026) Analysis & Trends
OptimumBank Holdings (OPHC) has reported EBT Margin for 12 consecutive years, with 41.39% the latest figure, recorded in Q1 2026.
- In Q1 2026, EBT Margin fell 736.0% year-over-year to 41.39%; the TTM figure through Mar 2026 stood at 42.33% (down 625.0% YoY), while the FY2025 annual figure was 44.92%, down 335.0% from the prior year.
- EBT Margin steadied at 41.39% in Q1 2026 per OPHC's latest filing, from 41.47% in the prior quarter.
- Across five years, EBT Margin topped out at 52.68% in Q4 2024 and bottomed at 18.35% in Q3 2022.
- Historically, EBT Margin has averaged 37.55% across 5 years, with a median of 40.2% in 2025.
- Annual changes were most pronounced in 2022 — EBT Margin slumped 1223 bps — and 2024, when it soared 2007 bps.
- OptimumBank Holdings' EBT Margin stood at 33.03% in 2022, then jumped by 33 bps to 43.87% in 2023, then gained by 20 bps to 52.68% in 2024, then decreased by 21 bps to 41.47% in 2025, then dropped by 0 bps to 41.39% in 2026.
- Business Quant data shows OPHC's EBT Margin at 41.39% in Q1 2026, 41.47% in Q4 2025, and 46.68% in Q3 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBT Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Hdfc Bank | 121.20 Bn | 85.00 Bn | - | - |
| 2 | Pnc Financial Services | 97.72 Bn | 97.72 Bn | - | 37.61% |
| 3 | Us Bancorp | 95.92 Bn | 95.92 Bn | - | 35.39% |
| 4 | Lloyds Banking | 93.61 Bn | 93.91 Bn | - | - |
| 5 | NatWest | 74.78 Bn | -144.31 Bn | - | 55.27% |
| 6 | Deutsche Bank Aktiengesellschaft | 71.99 Bn | -81.33 Bn | - | 36.74% |
| 7 | Nu Holdings | 70.73 Bn | 57.04 Bn | 2.35 Bn | 22.42% |
| 8 | Truist Financial | 61.59 Bn | 61.59 Bn | - | 34.47% |
| 9 | Fifth Third Bancorp | 49.49 Bn | 25.77 Bn | - | 31.64% |
| 10 | OptimumBank Holdings | 110.99 Mn | -35.25 Mn | - | 51.43% |
Historic Data
Download Data| Date | Value |
|---|---|
| Jun 30, 2026 | 51.43% |
| Mar 31, 2026 | 41.39% |
| Dec 31, 2025 | 41.47% |
| Sep 30, 2025 | 46.68% |
| Jun 30, 2025 | 40.20% |
| Mar 31, 2025 | 48.76% |
| Dec 31, 2024 | 52.68% |
| Sep 30, 2024 | 44.01% |
| Jun 30, 2024 | 48.84% |
| Mar 31, 2024 | 36.52% |
| Dec 31, 2023 | 43.87% |
| Sep 30, 2023 | 26.52% |
| Jun 30, 2023 | 28.77% |
| Mar 31, 2023 | 26.71% |
| Dec 31, 2022 | 33.03% |
| Sep 30, 2022 | 18.35% |
| Jun 30, 2022 | 31.02% |
| Mar 31, 2022 | 29.54% |
| Dec 31, 2021 | 36.08% |
| Sep 30, 2021 | 30.59% |