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 OptimumBank Holdings, Inc. debt service capacity to assess how comfortably operating cash covers total debt obligations.
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. For the full cash flow conversion analysis, see OptimumBank Holdings, Inc. cash flow conversion.
Annual Cash Flow Quality Index for OptimumBank Holdings, Inc. (2003–2025)
Year-by-year earnings quality comparison for OptimumBank Holdings, Inc..
| 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 | — |