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 OPHC FCF to total liabilities ratio to measure the company's free cash flow as a share of total liabilities.
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. For the full cash flow conversion analysis, see OptimumBank Holdings, Inc. cash conversion from operations.
Annual Cash Flow-to-Debt Ratio for OptimumBank Holdings, Inc. (2003–2025)
Year-by-year debt coverage analysis for OptimumBank Holdings, Inc.. Check earnings quality score of OptimumBank Holdings, Inc. to evaluate the quality of earnings relative to operating cash generation.
| 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 | — |