Superworth

OptimumBank profit margin OPHC

Gross, operating and net profit as a share of revenue over the last twelve months, from 2012.

Net margin, 12 months
34.9%
Net margin on a year earlier
+0.7 pts
Peer median
28.5%

Over the twelve months to Jun 30, 2026, OptimumBank kept 34.9% of its revenue as net profit.

Five years earlier its net margin was 9.2%.

The median for 10 diversified banks of a similar size is 28.5%.

Profit margin over time

Net

Open the interactive chart, with overlays and comparisons

Fiscal year by fiscal year

Fiscal yearNet margin
FY202533.7%
FY202433.4%
FY202323.1%
FY202221.4%
FY202156.3%
FY2020−14.8%
FY2019−33.2%
FY201825.4%
FY2017−16.4%
FY2016−11.2%
FY2015−4.0%
FY201429.1%
FY2013n/a
FY2012n/a
FY2011n/a

Quarter by quarter

QuarterEndedNet margin, 12 monthsChange on a year
Q2 FY2634.9%+0.7 pts
Q1 FY2632.5%−3.2 pts
Q4 FY2533.7%+0.3 pts
Q3 FY2534.2%+2.7 pts
Q2 FY2534.2%+5.6 pts
Q1 FY2535.7%+11.0 pts
Q4 FY2433.4%+10.3 pts
Q3 FY2431.5%+9.8 pts
Q2 FY2428.5%+7.8 pts
Q1 FY2424.7%+3.9 pts
Q4 FY2323.1%+1.7 pts
Q3 FY2321.7%−19.5 pts

Against its peers

Companies in Banks - Diversified nearest OptimumBank's size, closest first, today.

CompanyProfit margin
OPHCOptimumBank34.9%
LARKLandmark Bancorp26.9%
MRBKMeridian16.6%
CFBKCF Bankshares30.4%
CMTVCommunity Bancorp35.4%
NKSHNational Bankshares33.6%
VABKVirginia National Bankshares39.0%
HWBKHawthorn Bancshares30.0%
LCNBLCNB25.5%
FUNCFirst United26.8%
NEWTNewtekOne22.2%
Peer median28.5%

Where OptimumBank ranks

What the profit margin tells you

Profit as a share of revenue at three levels: gross (after making the product), operating (after running the business) and net (after everything, including tax and interest).

Compare within an industry. 10% is superb for a retailer and poor for a software company.

More on OptimumBank

Valuation data, not investment advice. Prices as of . Reported figures come from the company's filings with the SEC.