OptimumBank Holdings, Inc. (OPHC) — Cash Flow Quality Index
OptimumBank Holdings, Inc. (OPHC) has a Cash Flow Quality Index of 0.44x as of September 2025. Operating cash flow of $1.92 Million is below net income of $4.32 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore OptimumBank Holdings, Inc. (OPHC) investment intensity to see how much of total assets are deployed in long-term investments.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
OptimumBank Holdings, Inc. Cash Flow Quality Index (2003–2024)
Historical Cash Flow Quality Index for OptimumBank Holdings, Inc. across 12 annual periods. Values consistently above 1.0x indicate high-quality earnings. Check OPHC tangible net worth ratio to evaluate the tangible quality of the company's equity base.
Annual Cash Flow Quality Index for OptimumBank Holdings, Inc. (2003–2024)
Year-by-year earnings quality comparison for OptimumBank Holdings, Inc.. For live market cap and the full company financial profile, see OptimumBank Holdings, Inc. (OPHC) total market value.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2024 | 1.19x | $15.61 Million | $13.12 Million | ▲ +8.6% |
| 2023 | 1.10x | $6.88 Million | $6.28 Million | ▼ -57.5% |
| 2022 | 2.58x | $10.36 Million | $4.02 Million | ▲ +330.9% |
| 2021 | 0.60x | $3.76 Million | $6.30 Million | ▲ +1882.3% |
| 2018 | 0.03x | $24.00K | $796.00K | ▼ -96.3% |
| 2014 | 0.81x | $1.30 Million | $1.60 Million | ▼ -86.5% |
| 2008 | 6.02x | $3.13 Million | $520.00K | ▲ +382.1% |
| 2007 | 1.25x | $2.17 Million | $1.74 Million | ▼ -39.1% |
| 2006 | 2.05x | $3.76 Million | $1.83 Million | ▲ +11.2% |
| 2005 | 1.84x | $2.95 Million | $1.60 Million | ▼ -26.7% |
| 2004 | 2.51x | $3.95 Million | $1.57 Million | ▼ -10.6% |
| 2003 | 2.81x | $2.74 Million | $974.00K | — |