OptimumBank Holdings (OPHC) Net Margin (2014 - 2026)
OptimumBank Holdings' (OPHC) quarterly Net Margin came in at 38.73% in Q2 2026, up 890.0% year-over-year from 3.91% in Q2 2025, and up 24.37% quarter-over-quarter from 31.14% in Q1 2026.
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Analysis
OptimumBank Holdings (OPHC) Net Margin (2014 - 2026) Analysis & Trends
OptimumBank Holdings (OPHC) has reported Net Margin for 12 consecutive years, with 38.73% the latest figure, recorded in Q2 2026.
- On a quarterly basis, Net Margin rose 890.0% year-over-year to 38.73% in Q2 2026; TTM through Jun 2026 was 34.08%, a 8.0% decrease from a year earlier, with the FY2025 full-year figure at 32.79%, down 59.0% from the prior year.
- Net Margin was 38.73% for Q2 2026 at OptimumBank Holdings, up from 31.14% in the prior quarter.
- Over five years, Net Margin peaked at 38.73% in Q2 2026 and troughed at 13.47% in Q3 2022.
- A 5-year average of 28.31% and a median of 30.48% in 2023 frame the typical range for Net Margin.
- Across the five-year window, Net Margin sank 1530 bps in 2022 and jumped 1454 bps in 2024, its largest moves.
- Over 5 years, Net Margin stood at 28.68% in 2022, then rose by 9 bps to 31.13% in 2023, then increased by 23 bps to 38.34% in 2024, then declined by 16 bps to 32.29% in 2025, then rose by 20 bps to 38.73% in 2026.
- The last three Net Margin figures came in at 38.73% (Q2 2026), 31.14% (Q1 2026), and 32.29% (Q4 2025), per Business Quant data.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Banco Santander Chile | 424.88 Bn | 544.83 Bn | - | - |
| 2 | Truist Financial | 59.29 Bn | 59.29 Bn | - | 28.85% |
| 3 | Fifth Third Bancorp | 47.98 Bn | 24.26 Bn | - | 23.30% |
| 4 | M&T Bank | 32.82 Bn | 32.82 Bn | - | 30.85% |
| 5 | Huntington Bancshares | 32.08 Bn | 27.60 Bn | - | 24.18% |
| 6 | Citizens Financial | 28.34 Bn | 28.34 Bn | - | 24.27% |
| 7 | Regions Financial | 24.27 Bn | 24.34 Bn | - | 28.79% |
| 8 | Keycorp | 22.19 Bn | -25.51 Bn | - | 24.18% |
| 9 | First Citizens Bancshares | 21.93 Bn | 21.41 Bn | 29.00 Mn | 864.86% |
| 10 | OptimumBank Holdings | 114.28 Mn | -31.96 Mn | - | 38.73% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 38.73% |
| Mar 31, 2026 | 31.14% |
| Dec 31, 2025 | 32.29% |
| Sep 30, 2025 | 33.18% |
| Jun 30, 2025 | 29.83% |
| Mar 31, 2025 | 36.31% |
| Dec 31, 2024 | 38.34% |
| Sep 30, 2024 | 32.77% |
| Jun 30, 2024 | 35.16% |
| Mar 31, 2024 | 26.44% |
| Dec 31, 2023 | 31.13% |
| Sep 30, 2023 | 18.59% |
| Jun 30, 2023 | 20.62% |
| Mar 31, 2023 | 19.92% |
| Dec 31, 2022 | 28.68% |
| Sep 30, 2022 | 13.47% |
| Jun 30, 2022 | 20.92% |
| Mar 31, 2022 | 22.05% |
| Dec 31, 2021 | 36.08% |
| Sep 30, 2021 | 28.76% |
API Access
OptimumBank Holdings Net 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=net-margin&ticker=OPHC&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "net-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=net-margin&ticker=OPHC&period=max&api_key=YOUR_API_KEY");
const data = await res.json();