OptimumBank Holdings, Inc. (OPHC) — Cash Flow Quality Index
OptimumBank Holdings, Inc. (OPHC) has a Cash Flow Quality Index of 1.37x as of December 2025. Operating cash flow of $6.63 Million exceeds net income of $4.85 Million, indicating high earnings quality where cash backs reported profits. Explore OPHC cash generation efficiency to assess how effectively this company generates cash.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
OptimumBank Holdings, Inc. Cash Flow Quality Index (2003–2025)
Historical Cash Flow Quality Index for OptimumBank Holdings, Inc. across 13 annual periods. Values consistently above 1.0x indicate high-quality earnings. Check OptimumBank Holdings, Inc. (OPHC) reinvestment rate to assess the company's total reinvestment commitment from operating cash flow.
Annual Cash Flow Quality Index for OptimumBank Holdings, Inc. (2003–2025)
Year-by-year earnings quality comparison for OptimumBank Holdings, Inc.. For live market cap and the full company financial profile, see OPHC stock market capitalisation.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 1.07x | $17.84 Million | $16.65 Million | ▼ -9.9% |
| 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 | — |