OptimumBank Holdings, Inc. (OPHC) — Financial Flexibility Index
OptimumBank Holdings, Inc. (OPHC) has a Financial Flexibility Index of 0.00x as of September 2025. Free cash flow of $1.92 Million (operating CF $1.92 Million minus capex $6.00K) represents 0% of total liabilities ($966.15 Million). Check OPHC total capital reinvestment ratio to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
OptimumBank Holdings, Inc. Financial Flexibility Index (2003–2024)
Historical Financial Flexibility Index trend for OptimumBank Holdings, Inc. across 22 annual periods. For the full cash flow conversion analysis, see OptimumBank Holdings, Inc. cash flow conversion.
Annual Financial Flexibility Index for OptimumBank Holdings, Inc. (2003–2024)
Year-by-year free cash flow to debt coverage for OptimumBank Holdings, Inc.. Explore OPHC debt coverage from operations to assess how comfortably operating cash covers total debt obligations.
| Year | Flexibility Index | Free Cash Flow (USD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2024 | 0.02x | $16.59 Million | $15.61 Million | $829.75 Million | ▲ +91.0% |
| 2023 | 0.01x | $7.55 Million | $6.88 Million | $721.25 Million | ▼ -48.8% |
| 2022 | 0.02x | $10.68 Million | $10.36 Million | $522.64 Million | ▲ +54.6% |
| 2021 | 0.01x | $4.14 Million | $3.76 Million | $313.37 Million | ▲ +328.4% |
| 2020 | -0.01x | $-1.26 Million | $-1.46 Million | $217.28 Million | ▼ -1312.5% |
| 2019 | 0.00x | $-49.00K | $-558.00K | $119.54 Million | ▼ -115.1% |
| 2018 | 0.00x | $258.00K | $24.00K | $95.06 Million | ▼ -61.9% |
| 2017 | 0.01x | $664.00K | $570.00K | $93.32 Million | ▲ +27.3% |
| 2016 | 0.01x | $652.00K | $551.00K | $116.62 Million | ▲ +6.9% |
| 2015 | 0.01x | $651.00K | $627.00K | $124.51 Million | ▼ -55.7% |
| 2014 | 0.01x | $1.44 Million | $1.30 Million | $121.55 Million | ▲ +154.5% |
| 2013 | -0.02x | $-2.79 Million | $-2.97 Million | $129.00 Million | ▼ -27.8% |
| 2012 | -0.02x | $-2.32 Million | $-2.66 Million | $136.83 Million | ▼ -182.9% |
| 2011 | -0.01x | $-885.00K | $-885.00K | $147.69 Million | ▼ -166.4% |
| 2010 | 0.01x | $1.69 Million | $1.68 Million | $187.47 Million | ▲ +89.2% |
| 2009 | 0.00x | $1.23 Million | $1.20 Million | $258.67 Million | ▼ -65.0% |
| 2008 | 0.01x | $3.18 Million | $3.13 Million | $232.97 Million | ▲ +37.5% |
| 2007 | 0.01x | $2.17 Million | $2.17 Million | $219.30 Million | ▼ -48.0% |
| 2006 | 0.02x | $3.91 Million | $3.76 Million | $205.28 Million | ▲ +12.8% |
| 2005 | 0.02x | $3.17 Million | $2.95 Million | $187.63 Million | ▼ -60.6% |
| 2004 | 0.04x | $6.34 Million | $3.95 Million | $147.84 Million | ▲ +22.9% |
| 2003 | 0.03x | $4.20 Million | $2.74 Million | $120.28 Million | — |