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. (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 (2003–2025)
Historical Cash Flow Quality Index for OptimumBank Holdings, Inc. across 13 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. (2003–2025)
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 |
|---|---|---|---|---|
| 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 | — |