OptimumBank Holdings (OPHC) Interest Coverage Ratio (2014 - 2026)
OptimumBank Holdings (OPHC) posted quarterly Interest Coverage Ratio of 1.99 for Q1 2026, up 3.03% year-over-year from 1.93 in Q1 2025, and down 8.23% quarter-over-quarter from 2.17 in Q4 2025.
OptimumBank Holdings (OPHC) Interest Coverage Ratio (2014 - 2026) Analysis & Trends
OptimumBank Holdings (OPHC) has reported Interest Coverage Ratio for 12 consecutive years, with 1.99 the latest figure, recorded in Q1 2026.
- In Q1 2026, Interest Coverage Ratio rose 3.03% year-over-year to 1.99; the TTM figure through Mar 2026 stood at 2.03 (up 13.61% YoY), while the FY2025 annual figure was 2.02, up 21.09% from the prior year.
- Interest Coverage Ratio retreated to 1.99 in Q1 2026 per OPHC's latest filing, from 2.17 in the prior quarter.
- Across five years, Interest Coverage Ratio topped out at 5.83 in Q1 2022 and bottomed at 1.55 in Q1 2024.
- Historically, Interest Coverage Ratio has averaged 2.28 across 5 years, with a median of 1.85 in 2023.
- Annual changes were most pronounced in 2022 — Interest Coverage Ratio soared 165.06% — and 2023, when it slumped 72.06%.
- OptimumBank Holdings' Interest Coverage Ratio stood at 1.91 in 2022, then slipped by 3.09% to 1.85 in 2023, then declined by 1.07% to 1.83 in 2024, then climbed by 18.53% to 2.17 in 2025, then slipped by 8.23% to 1.99 in 2026.
- Business Quant data shows OPHC's Interest Coverage Ratio at 1.99 in Q1 2026, 2.17 in Q4 2025, and 2.07 in Q3 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | Hdfc Bank | 120.66 Bn | 84.46 Bn | - | - |
| 2 | Pnc Financial Services | 97.86 Bn | 97.86 Bn | - | 2.00 |
| 3 | Us Bancorp | 96.39 Bn | 96.39 Bn | - | 1.84 |
| 4 | Lloyds Banking | 93.61 Bn | 93.91 Bn | - | - |
| 5 | NatWest | 74.92 Bn | -144.17 Bn | - | 0.27 |
| 6 | Deutsche Bank Aktiengesellschaft | 72.22 Bn | -81.10 Bn | - | 1.49 |
| 7 | Nu Holdings | 70.34 Bn | 56.66 Bn | 2.35 Bn | - |
| 8 | Truist Financial | 61.75 Bn | 61.75 Bn | - | 1.77 |
| 9 | Fifth Third Bancorp | 49.88 Bn | 26.16 Bn | - | 1.90 |
| 10 | OptimumBank Holdings | 112.44 Mn | -33.80 Mn | - | 2.26 |
Historic Data
Download Data| Date | Value |
|---|---|
| Jun 30, 2026 | 2.26 |
| Mar 31, 2026 | 1.99 |
| Dec 31, 2025 | 2.17 |
| Sep 30, 2025 | 2.07 |
| Jun 30, 2025 | 1.91 |
| Mar 31, 2025 | 1.93 |
| Dec 31, 2024 | 1.83 |
| Sep 30, 2024 | 1.70 |
| Jun 30, 2024 | 1.72 |
| Mar 31, 2024 | 1.55 |
| Dec 31, 2023 | 1.85 |
| Sep 30, 2023 | 1.58 |
| Jun 30, 2023 | 1.68 |
| Mar 31, 2023 | 1.63 |
| Dec 31, 2022 | 1.91 |
| Sep 30, 2022 | 1.76 |
| Jun 30, 2022 | 5.65 |
| Mar 31, 2022 | 5.83 |
| Dec 31, 2021 | 6.15 |
| Sep 30, 2021 | 5.41 |