OptimumBank Holdings (OPHC) Net Margin (2014 - 2026)
OptimumBank Holdings (OPHC) posted quarterly Net Margin of 31.14% for Q1 2026, down 517.0% year-over-year from 7.47% in Q1 2025, and down 53.3% quarter-over-quarter from 66.68% in Q4 2025.
OptimumBank Holdings (OPHC) Net Margin (2014 - 2026) Analysis & Trends
OptimumBank Holdings (OPHC) has reported Net Margin for 12 consecutive years, with 31.14% the latest figure, recorded in Q1 2026.
- In Q1 2026, Net Margin fell 517.0% year-over-year to 31.14%; the TTM figure through Mar 2026 stood at 41.95% (down 345.0% YoY), while the FY2025 annual figure was 44.93%, down 116.0% from the prior year.
- Net Margin declined to 31.14% in Q1 2026 per OPHC's latest filing, from 66.68% in the prior quarter.
- Across five years, Net Margin topped out at 75.97% in Q4 2024 and bottomed at 13.68% in Q3 2022.
- Historically, Net Margin has averaged 32.51% across 5 years, with a median of 29.83% in 2025.
- Annual changes were most pronounced in 2022 — Net Margin slumped 1691 bps — and 2024, when it surged 4333 bps.
- OptimumBank Holdings' Net Margin stood at 28.41% in 2022, then grew by 15 bps to 32.65% in 2023, then surged by 133 bps to 75.97% in 2024, then decreased by 12 bps to 66.68% in 2025, then sank by 53 bps to 31.14% in 2026.
- Business Quant data shows OPHC's Net Margin at 31.14% in Q1 2026, 66.68% in Q4 2025, and 35.64% in Q3 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Hdfc Bank | 120.81 Bn | 84.62 Bn | - | - |
| 2 | Pnc Financial Services | 98.03 Bn | 98.03 Bn | - | 28.41% |
| 3 | Us Bancorp | 96.42 Bn | 96.42 Bn | - | 27.30% |
| 4 | Lloyds Banking | 93.61 Bn | 93.91 Bn | - | - |
| 5 | NatWest | 74.92 Bn | -144.17 Bn | - | 38.78% |
| 6 | Deutsche Bank Aktiengesellschaft | 72.18 Bn | -81.14 Bn | - | 25.60% |
| 7 | Nu Holdings | 70.88 Bn | 57.19 Bn | 2.35 Bn | 25.60% |
| 8 | Truist Financial | 61.83 Bn | 61.83 Bn | - | 28.85% |
| 9 | Fifth Third Bancorp | 49.96 Bn | 26.24 Bn | - | 23.30% |
| 10 | OptimumBank Holdings | 112.56 Mn | -33.68 Mn | - | 38.73% |
Historic Data
Download Data| Date | Value |
|---|---|
| Jun 30, 2026 | 38.73% |
| Mar 31, 2026 | 31.14% |
| Dec 31, 2025 | 66.68% |
| Sep 30, 2025 | 35.64% |
| Jun 30, 2025 | 29.83% |
| Mar 31, 2025 | 36.31% |
| Dec 31, 2024 | 75.97% |
| Sep 30, 2024 | 32.77% |
| Jun 30, 2024 | 36.61% |
| Mar 31, 2024 | 26.92% |
| Dec 31, 2023 | 32.65% |
| Sep 30, 2023 | 19.48% |
| Jun 30, 2023 | 21.47% |
| Mar 31, 2023 | 19.92% |
| Dec 31, 2022 | 28.41% |
| Sep 30, 2022 | 13.68% |
| Jun 30, 2022 | 23.16% |
| Mar 31, 2022 | 22.06% |
| Dec 31, 2021 | 36.08% |
| Sep 30, 2021 | 30.59% |