OptimumBank Holdings (OPHC) Net Margin (2014 - 2026)
OptimumBank Holdings (OPHC) reported Net Margin of 31.14% for Q1 2026, down 517.0% year-over-year from 7.47% in Q1 2025, and down 12.74% on a QoQ basis from 35.69% in Q4 2025.
OptimumBank Holdings (OPHC) has 12 years of Net Margin data on file, last reported at 31.14% in Q1 2026.
- Quarterly Net Margin fell 517.0% year-over-year to 31.14% in Q1 2026, while the trailing twelve-month figure through Mar 2026 was 32.49% (down 318.0% YoY) and the FY2025 annual result came in at 33.73%, up 34.0% from the prior year.
- Net Margin slipped to 31.14% in Q1 2026 per OPHC's latest filing, from 35.69% in the prior quarter.
- Across five years, Net Margin topped out at 38.34% in Q4 2024 and bottomed at 13.47% in Q3 2022.
- The 5-year median for Net Margin is 29.83% (2025), against an average of 27.9%.
- The widest annual swing landed in 2022, when Net Margin slumped 1530 bps; it then soared 1454 bps in 2024.
- Tracing OPHC's Net Margin over 5 years: stood at 28.68% in 2022, then increased by 9 bps to 31.13% in 2023, then grew by 23 bps to 38.34% in 2024, then retreated by 7 bps to 35.69% in 2025, then retreated by 13 bps to 31.14% in 2026.
- Per Business Quant, the three latest OPHC Net Margin figures stand at 31.14% (Q1 2026), 35.69% (Q4 2025), and 33.18% (Q3 2025).
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Bank Of Chile | 90,891.20 Bn | 90,891.20 Bn | - | - |
| 2 | Bank Bradesco | 6,807.69 Bn | 6,791.75 Bn | - | - |
| 3 | Lloyds Banking | 426.28 Bn | 426.28 Bn | - | - |
| 4 | NatWest | 184.56 Bn | 184.56 Bn | - | - |
| 5 | First Capital | 181.18 Bn | 181.03 Bn | - | 251.45% |
| 6 | Landmark Bancorp | 164.67 Bn | 164.64 Bn | - | 26.97% |
| 7 | Deutsche Bank Aktiengesellschaft | 161.63 Bn | -151,939.28 Bn | - | -0.97% |
| 8 | KB Financial | 150.02 Bn | 142.15 Bn | - | - |
| 9 | Pnc Financial Services | 88.79 Bn | 88.84 Bn | - | 27.35% |
| 10 | OptimumBank Holdings | 66.22 Mn | -73.80 Mn | - | 31.14% |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 31.14% |
| Dec 31, 2025 | 35.69% |
| 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% |
| Jun 30, 2021 | 18.83% |
| Mar 31, 2021 | 18.69% |
| Dec 31, 2020 | 23.31% |
| Sep 30, 2020 | -34.23% |
| Jun 30, 2020 | -29.33% |
| Mar 31, 2020 | -28.81% |
| Dec 31, 2019 | -26.15% |
| Sep 30, 2019 | -37.23% |
| Jun 30, 2019 | -51.19% |
| Mar 31, 2019 | -18.58% |
| Dec 31, 2018 | -80.96% |
| Sep 30, 2018 | -25.16% |
| Jun 30, 2018 | 240.10% |
| Mar 31, 2018 | -37.21% |
| Dec 31, 2016 | -14.01% |
| Sep 30, 2016 | 2.24% |
| Dec 31, 2015 | -3.29% |
| Sep 30, 2015 | 4.21% |
| Dec 31, 2014 | 0.87% |
| Sep 30, 2014 | -7.67% |