OptimumBank Holdings, Inc. (OPHC) Net Margin (2010 - 2026)
OptimumBank Holdings' Net Margin was 38.73% in Q2 2026, up 8.90 percentage points from 29.83% a year earlier and up 7.59 percentage points from the prior quarter.
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Analysis
OptimumBank Holdings, Inc. (OPHC) Net Margin (2010 - 2026) Analysis & Trends
On a trailing twelve-month basis, OptimumBank Holdings' Net Margin was 34.86% through Jun 30, 2026, up 0.71 percentage points year-over-year; for FY2025, it was 33.73%, up 0.34 percentage points from FY2024.
- Net Margin has now increased for three consecutive years, with a five-year change of +48.53 percentage points (FY2020 to FY2025).
- In earlier years, Net Margin was 33.38% in FY2024 (+10.25 pp), 23.13% in FY2023 (+1.73 pp), 21.40% in FY2022 (-34.92 pp) and 56.32% in FY2021 (+71.12 pp).
- The Q2 2026 figure marks the highest quarterly Net Margin since Q4 2021.
- Compared with a year earlier, Net Margin was higher in five of the last eight quarters, with an average year-over-year change of +3.43 percentage points.
- The best year-over-year quarter for Net Margin over five years was Q4 2021 (a gain of 98.39 percentage points); the worst was Q4 2022 (a drop of 93.03 percentage points).
- Per Business Quant data, OPHC's Net Margin in the three quarters before Q2 2026 was 31.14% (Q1 2026), 35.69% (Q4 2025) and 33.18% (Q3 2025).
Peer Set
Peer Comparison
Historic Data
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Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 38.73% |
| 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 | 121.70% |
| Sep 30, 2021 | 28.76% |
API Access
OptimumBank Holdings, Inc. 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();