Demonstrações financeiras detalhadas de OptimumBank Holdings, Inc. (OPHC): demonstração de resultados, balanço patrimonial e fluxo de caixa. Acompanhe a evolução de margens, dívida, liquidez e rentabilidade ano a ano com até 20 anos de histórico.
Resumo da Análise
OptimumBank Holdings, Inc. registou receitas de $71.1M no último exercício, com um CAGR de 5 anos de 59.0%.
Margens dos últimos 12 meses: margem bruta 69.4%, margem operacional 34.5%, margem líquida 26.1%.
Ao preço atual de $9.09, OPHC negocia a um P/L de 5.25 e um ROE de 16.39%. A capitalização de mercado é de $111M.
Demonstração de Resultados (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Receita | $4.6M | $4.8M | $4.4M | $5.4M | $7.0M | $11.8M | $22.8M | $39.2M | $64.3M | $71.1M |
| Custo da Receita | $1.1M | $1.2M | -$508000 | $2.0M | $2.7M | $2.2M | $7.5M | $16.1M | $27.2M | $23.8M |
| Lucro Bruto | $3.5M | $3.6M | $4.9M | $3.4M | $4.3M | $9.7M | $15.3M | $23.1M | $37.1M | $47.3M |
| P&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Despesas Gerais e Administrativas | $1.9M | $1.9M | $1.9M | $2.1M | $2.4M | $3.7M | $5.4M | $8.3M | $11.1M | $1.1M |
| Despesas Operacionais | $3.9M | $4.2M | $4.1M | $4.5M | $5.0M | $6.6M | $9.9M | $14.7M | $19.5M | $25.2M |
| Lucro Operacional | -$396000 | -$589000 | $796000 | -$1.2M | -$782000 | $3.1M | $5.4M | $8.5M | $17.6M | $22.2M |
| EBITDA | -$240000 | -$440000 | $955000 | -$890000 | -$455000 | $3.4M | $6.0M | $9.0M | $18.2M | $23.1M |
| Despesas com Juros | $1.1M | $1.2M | $1.2M | $2.0M | $1.7M | $985000 | $4.0M | $12.1M | $24.9M | $21.8M |
| Lucro Antes de Impostos | -$396000 | -$589000 | $796000 | -$1.2M | -$782000 | $3.1M | $5.4M | $8.5M | $17.6M | $22.2M |
| Imposto | 0 | 0 | 0 | -$52000 | 0 | -$3.2M | $1.4M | $2.2M | $4.5M | $5.5M |
| Lucro Líquido | -$396000 | -$589000 | $796000 | -$1.1M | -$782000 | $6.3M | $4.0M | $6.3M | $13.1M | $16.6M |
| LPA | $-0.38 | $-0.53 | $0.53 | $-0.58 | $-0.27 | $1.61 | $0.68 | $0.87 | $1.39 | $1.42 |
| LPA Diluído | $-0.38 | $-0.53 | $0.53 | $-0.58 | $-0.27 | $1.61 | $0.68 | $0.87 | $1.33 | $1.36 |
| Ações em Circulação (Diluídas) | $1.0M | $1.1M | $1.5M | $1.9M | $2.9M | $3.9M | $6.0M | $7.2M | $9.9M | $12.3M |
Demonstração de Resultados (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Receita | $18.3M | $19.2M | $21.2M | $19.9M |
| Lucro Bruto | $12.3M | $13.2M | $14.2M | $14.9M |
| Lucro Operacional | $5.7M | $6.5M | $6.2M | $8.8M |
| EBITDA | $5.2M | $6.8M | $6.4M | $9.1M |
| Lucro Líquido | $4.3M | $4.9M | $4.7M | $6.7M |
| LPA | $0.37 | $0.41 | $0.39 | $0.56 |
| LPA Diluído | $0.35 | $0.40 | $0.39 | $0.56 |
Balanço (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caixa e Equivalentes | $17.6M | $11.7M | $8.0M | $8.9M | $54.6M | $59.0M | $71.8M | $76.7M | $93.6M | $114.6M |
| Investimentos de Curto Prazo | $20.2M | $11.4M | $2.4M | $5.4M | $18.9M | $34.4M | $25.1M | $24.4M | $22.8M | 0 |
| Contas a Receber | $380000 | $316000 | $314000 | $432000 | $1.3M | $971000 | $1.4M | $2.5M | $3.3M | $3.6M |
| Estoque | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Circulantes | $38.2M | $23.4M | $10.7M | $14.8M | $74.9M | $94.3M | $98.4M | $103.5M | $119.8M | $118.2M |
| Imobilizado | $2.6M | $2.6M | $2.7M | $2.4M | $2.3M | $2.6M | $3.1M | $3.5M | $4.7M | $5.1M |
| Ágio | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Intangíveis | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Totais | $119.7M | $95.9M | $100.4M | $126.7M | $235.1M | $351.9M | $585.2M | $791.3M | $932.9M | $1.11B |
| Contas a Pagar | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dívida de Curto Prazo | $23.5M | $20.5M | $25.2M | $13.0M | $23.0M | $18.0M | $10.0M | $62.0M | $50.0M | $50.0M |
| Passivos Circulantes | $109.6M | $85.8M | $87.5M | $114.4M | $213.8M | $310.5M | $517.9M | $701.6M | $822.2M | $981.8M |
| Dívida de Longo Prazo | $5.2M | $5.2M | $4.5M | $2.6M | $2.1M | $18.0M | $10.0M | $62.0M | $50.0M | 0 |
| Passivos Totais | $116.6M | $93.3M | $95.1M | $119.5M | $217.3M | $313.4M | $522.6M | $721.2M | $829.7M | $989.8M |
| Reservas | -$30.7M | -$31.3M | -$30.5M | -$31.6M | -$32.4M | -$26.1M | -$22.1M | -$16.0M | -$2.8M | $13.8M |
| Patrimônio Líquido | $3.1M | $2.5M | $5.3M | $7.2M | $17.8M | $38.5M | $62.6M | $70.0M | $103.2M | $121.9M |
| Dívida Total | $28.7M | $25.7M | $29.8M | $16.6M | $26.0M | $37.8M | $22.2M | $126.2M | $102.8M | $52.7M |
| Dívida Líquida | -$9.2M | $2.6M | $19.4M | $2.3M | -$47.5M | -$55.6M | -$74.8M | $25.2M | -$13.6M | -$61.8M |
| Capital de Giro | -$71.3M | -$62.3M | -$76.9M | -$99.6M | -$138.9M | -$216.1M | -$419.5M | -$598.1M | -$702.4M | -$863.6M |
Balanço (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caixa e Equivalentes | $235.1M | $114.6M | $140.0M | $14.6M |
| Ativos Totais | $1.08B | $1.11B | $1.27B | $1.40B |
| Passivos Totais | $966.2M | $989.8M | $1.14B | $1.27B |
| Patrimônio Líquido | $116.9M | $121.9M | $126.8M | $134.4M |
| Dívida Total | $2.8M | $52.7M | $42.6M | $5.1M |
Fluxo de Caixa (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Lucro Líquido | -$396000 | -$589000 | $796000 | -$1.1M | -$782000 | $6.3M | $4.0M | $6.3M | $13.1M | $16.6M |
| Depreciação e Amortização | $156000 | $149000 | $159000 | $262000 | $327000 | $302000 | $569000 | $560000 | $599000 | $884000 |
| Compensação em Ações | $174000 | $21000 | 0 | $201000 | $219000 | $199000 | $372000 | $490000 | $490000 | $875000 |
| Variação Capital de Giro | $281000 | $789000 | $586000 | -$260000 | -$2.2M | $132000 | $832000 | -$5.3M | -$781000 | -$2.0M |
| Fluxo de Caixa Operacional | $551000 | $570000 | $24000 | -$558000 | -$1.5M | $3.8M | $10.4M | $6.9M | $15.6M | $17.8M |
| CapEx | -$101000 | -$94000 | -$234000 | -$509000 | -$200000 | -$381000 | -$322000 | -$668000 | -$988000 | -$896000 |
| Aquisições | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Recompra de Ações | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dividendos Pagos | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Fluxo de Caixa Livre | $450000 | $476000 | -$210000 | -$1.1M | -$1.7M | $3.4M | $10.0M | $6.2M | $14.6M | $16.9M |
Fluxo de Caixa (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Fluxo de Caixa Operacional | $1.9M | $6.6M | $7.9M | $10.3M |
| CapEx | -$6000 | -$283000 | -$439000 | $439000 |
| Fluxo de Caixa Livre | $1.9M | $6.4M | $7.4M | $10.7M |
| Dividendos Pagos | 0 | 0 | 0 | 0 |
| Compensação em Ações | $579000 | 0 | $431000 | -$1000 |
Crescimento e Margens (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crescimento Receita (anual) | | +3.2% | -8.2% | +22.4% | +30.8% | +68.8% | +93.2% | +71.8% | +63.8% | +10.7% |
| Crescimento Lucro Líquido (anual) | | -48.7% | +235.1% | -238.2% | +28.9% | +905.1% | -36.1% | +56.2% | +108.9% | +26.9% |
| Crescimento LPA (anual) | | -39.5% | +200.0% | -209.4% | +53.4% | +696.3% | -57.8% | +27.9% | +59.8% | +2.2% |
| Variação de Ações (anual) | | +6.1% | +35.1% | +27.4% | +54.3% | +32.9% | +52.7% | +21.6% | +36.3% | +24.4% |
| Crescimento FCF (anual) | | +5.8% | -144.1% | -408.1% | -55.4% | +304.0% | +196.8% | -38.1% | +135.2% | +15.9% |
| Margem Bruta | 76.6% | 74.9% | 111.6% | 63.3% | 60.9% | 81.7% | 67.1% | 58.9% | 57.7% | 66.5% |
| Margem Operacional | -8.6% | -12.4% | 18.2% | -21.5% | -11.2% | 26.0% | 23.6% | 21.6% | 27.4% | 31.2% |
| Margem EBITDA | -5.2% | -9.2% | 21.8% | -16.6% | -6.5% | 28.5% | 26.1% | 23.0% | 28.4% | 32.4% |
| Margem Líquida | -8.6% | -12.4% | 18.2% | -20.5% | -11.2% | 53.3% | 17.6% | 16.0% | 20.4% | 23.4% |
| Margem FCF | 9.7% | 10.0% | -4.8% | -19.9% | -23.7% | 28.6% | 43.9% | 15.8% | 22.7% | 23.8% |
| Taxa Efetiva de Imposto | -0.0% | -0.0% | 0.0% | 4.5% | -0.0% | -105.1% | 25.4% | 25.7% | 25.6% | 24.9% |
Dados por Ação (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Ação | $0.43 | $0.43 | $-0.14 | $-0.56 | $-0.57 | $0.87 | $1.69 | $0.86 | $1.48 | $1.38 |
| Dividendo por Ação | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| Ações em Circulação (Básicas) | $1.0M | $1.1M | $1.5M | $1.9M | $2.9M | $3.9M | $6.0M | $7.2M | $9.4M | $11.8M |
O que olhar em empresas de Financial Services
- Efficiency Ratio (≤55%) — Despesas operacionais / receita. Bancos top abaixo de 55%.
- ROA (≥1%) — Quanto ganham por cada euro de ativos. ROE engana em bancos pela alavancagem.
- ROTCE (≥12%) — Rentabilidade sobre Capital Tangível. Exclui goodwill e intangíveis.
- Capital / Ativos (proxy Tier 1) (≥8%) — Proxy do rácio de capital. FMP não expõe Tier 1 regulatório direto.
- P/B (1,0-1,5x) — Métrica clássica bancária. <1x pode ser oportunidade ou distress.
- Dividend yield sustentável (≥2%, <8%) — Bancos UE pagam 5-7% sem stress. >8% é sinal de distress.
Rentabilidade
| Retorno sobre patrimônio | 16.39% |
| Retorno sobre capital investido | 37.38% |
| Retorno sobre ativos | 1.46% |
| Margem bruta | 69.38% |
| Margem operacional | 34.53% |
| Margem líquida | 26.06% |
Saúde financeira
| Dívida / Patrimônio | 0.04 |
| Liquidez corrente | 18.12 |
| Piotroski F-Score | 7 |
| Altman Z-Score | -0.75 |
Índices Chave (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/L | -9.95 | -8.87 | 5.66 | -4.78 | -12.48 | 2.44 | 6.01 | 4.80 | 3.42 | 2.99 |
| P/VP | 1.28 | 2.04 | 0.84 | 0.73 | 0.55 | 0.40 | 0.39 | 0.43 | 0.44 | 0.41 |
| P/V | 0.85 | 1.09 | 1.02 | 0.98 | 1.41 | 1.30 | 1.07 | 0.77 | 0.70 | 0.70 |
| Margem Bruta | 76.6% | 74.9% | 111.6% | 63.3% | 60.9% | 81.7% | 67.1% | 58.9% | 57.7% | 66.5% |
| Margem Operacional | -8.6% | -12.4% | 18.2% | -21.5% | -11.2% | 26.0% | 23.6% | 21.6% | 27.4% | 31.2% |
| Margem Líquida | -8.6% | -12.4% | 18.2% | -20.5% | -11.2% | 53.3% | 17.6% | 16.0% | 20.4% | 23.4% |