OptimumBank Holdings, Inc. (OPHC) — Cash Flow-to-Debt Ratio
OptimumBank Holdings, Inc. (OPHC) has a Cash Flow-to-Debt Ratio of 0.01x as of December 2025, meaning its operating cash flow of $6.63 Million could theoretically repay 0% of its total liabilities ($989.78 Million) in one year. See cash generation quality of OptimumBank Holdings, Inc. to measure how efficiently the company converts operating cash flow to free cash.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
OptimumBank Holdings, Inc. Cash Flow-to-Debt Ratio (2003–2025)
Historical debt coverage capacity for OptimumBank Holdings, Inc. across 23 annual periods. Also explore OptimumBank Holdings, Inc. net asset momentum to track the company's year-over-year net asset growth rate.
Annual Cash Flow-to-Debt Ratio for OptimumBank Holdings, Inc. (2003–2025)
Year-by-year debt coverage analysis for OptimumBank Holdings, Inc.. For market capitalisation and broader financial context, see OptimumBank Holdings, Inc. stock valuation.
| Year | CF-to-Debt Ratio | Operating CF (USD) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2025 | 0.02x | $17.84 Million | $989.78 Million | ▼ -4.2% |
| 2024 | 0.02x | $15.61 Million | $829.75 Million | ▲ +97.1% |
| 2023 | 0.01x | $6.88 Million | $721.25 Million | ▼ -51.9% |
| 2022 | 0.02x | $10.36 Million | $522.64 Million | ▲ +65.1% |
| 2021 | 0.01x | $3.76 Million | $313.37 Million | ▲ +279.0% |
| 2020 | -0.01x | $-1.46 Million | $217.28 Million | ▼ -43.8% |
| 2019 | 0.00x | $-558.00K | $119.54 Million | ▼ -1948.9% |
| 2018 | 0.00x | $24.00K | $95.06 Million | ▼ -95.9% |
| 2017 | 0.01x | $570.00K | $93.32 Million | ▲ +29.3% |
| 2016 | 0.00x | $551.00K | $116.62 Million | ▼ -6.2% |
| 2015 | 0.01x | $627.00K | $124.51 Million | ▼ -53.0% |
| 2014 | 0.01x | $1.30 Million | $121.55 Million | ▲ +146.6% |
| 2013 | -0.02x | $-2.97 Million | $129.00 Million | ▼ -18.1% |
| 2012 | -0.02x | $-2.66 Million | $136.83 Million | ▼ -224.8% |
| 2011 | -0.01x | $-885.00K | $147.69 Million | ▼ -166.9% |
| 2010 | 0.01x | $1.68 Million | $187.47 Million | ▲ +92.9% |
| 2009 | 0.00x | $1.20 Million | $258.67 Million | ▼ -65.4% |
| 2008 | 0.01x | $3.13 Million | $232.97 Million | ▲ +35.5% |
| 2007 | 0.01x | $2.17 Million | $219.30 Million | ▼ -45.8% |
| 2006 | 0.02x | $3.76 Million | $205.28 Million | ▲ +16.4% |
| 2005 | 0.02x | $2.95 Million | $187.63 Million | ▼ -41.1% |
| 2004 | 0.03x | $3.95 Million | $147.84 Million | ▲ +17.2% |
| 2003 | 0.02x | $2.74 Million | $120.28 Million | — |