OptimumBank Holdings (OPHC) Net Margin (2014 - 2026)

OptimumBank Holdings (OPHC) has 12 years of Net Margin data on file, last reported at 31.14% in Q1 2026.

• Net Margin for Q1 2026 came in at 31.14%, down 517.0% year-over-year; the trailing twelve-month figure through Mar 2026 was 32.49% (down 318.0% YoY), and the FY2025 annual result was 33.73%, up 34.0% from the prior year.
• Net Margin retreated to 31.14% in Q1 2026 per OPHC's latest filing, from 35.69% in the prior quarter.
• Over five years, Net Margin peaked at 38.34% in Q4 2024 and troughed at 13.47% in Q3 2022.
• A 5-year average of 27.9% and a median of 29.83% in 2025 frame the typical range for Net Margin.
• The sharpest annual moves came in 2022 and 2024: Net Margin plunged 1530 bps in 2022, then surged 1454 bps in 2024.
• A 5-year view of Net Margin shows it stood at 28.68% in 2022, then gained by 9 bps to 31.13% in 2023, then rose by 23 bps to 38.34% in 2024, then slipped by 7 bps to 35.69% in 2025, then slipped by 13 bps to 31.14% in 2026.
• Business Quant data shows OPHC's Net Margin at 31.14% in Q1 2026, 35.69% in Q4 2025, and 33.18% in Q3 2025.