OPHC

Optimumbank Holdings Inc

9.81

Aug 14 • 3:59 PM ET +0.63 (6.86%)

9.81

Aftermarket • 7:34 PM ET 0.00 (0.00%)

Financial Banks - Regional USA Micro AMEX

Aug 14, 6:52 PMOptimumBank posts record earnings, boosts EPS run-rate view, flags future equity raise

Peers: AUBN BYFC CPBI FDSB FNWB FSEA FUSB NSTS SSBI UBCP

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Index	-
Market Cap	120.35M
Enterprise Value	-
Income	20.49M
Sales	82.87M
Book/sh	5.65
Cash/sh	-
Dividend Est.	-
Dividend TTM	-
Dividend Ex-Date	-
Dividend Gr. 3/5Y	- -
Payout	0.00%
Employees	98
IPO	May 08, 2003

P/E	11.23
Forward P/E	7.57
PEG	-
P/S	1.45
P/B	1.74
P/C	-
P/FCF	4.73
EV/EBITDA	-
EV/Sales	-
Quick Ratio	-
Current Ratio	0.44
Debt/Eq	0.31
LT Debt/Eq	0.12
Option/Short	No / Yes

EPS (ttm)	0.87
EPS next Y	1.30
EPS next Q	0.31
EPS this Y	63.85%
EPS next Y	11.46%
EPS next 5Y	-
EPS past 3/5Y	1.71% -
Sales past 3/5Y	46.03% 58.98%
EPS Y/Y TTM	20.16%
Sales Y/Y TTM	24.01%
EPS Q/Q	-4.26%
Sales Q/Q	38.96%
Earnings	Jul 24 BMO
EPS/Sales Surpr.	35.46% -

Insider Own	57.86%
Insider Trans	0.00%
Inst Own	7.71%
Inst Trans	1.05%
ROA	1.71%
ROE	16.68%
ROIC	13.58%
Gross Margin	-
Oper. Margin	32.77%
Profit Margin	24.73%
SMA20	24.86%
SMA50	48.44%
SMA200	84.68%
Trades

Shs Outstand	12.34M
Shs Float	10.00M
Short Float	0.18%
Short Ratio	0.24
Short Interest	0.02M
52W High	9.23 6.28%
52W Low	3.91 150.90%
Volatility	6.65% 6.25%
ATR (14)	0.47
RSI (14)	79.40
Beta	0.31
Rel Volume	2.20
Avg Volume	75.89K
Volume	167,166

Perf Week	7.68%
Perf Month	63.23%
Perf Quarter	78.04%
Perf Half Y	89.02%
Perf YTD	130.82%
Perf Year	129.74%
Perf 3Y	227.00%
Perf 5Y	86.15%
Perf 10Y	113.26%
Recom	1.00
Target Price	9.92
Prev Close	9.18
Price	9.81
Change %	6.86%

Date	Action	Analyst	Rating Change	Price Target Change
May-13-26	Upgrade	Compass Point	Neutral → Buy	$6.50
Apr-20-26	Initiated	Brean Capital	Buy	$7
Apr-07-26	Initiated	Alliance Global Partners	Buy	$6.50
May-23-24	Initiated	Compass Point	Neutral	$5.25

Aug-13-26 09:02PM	OptimumBank Holdings Inc (OPHC) (Q2 2026) Earnings Call Highlights: Record Net Income and ... (GuruFocus.com) +6.86%
08:30AM	OptimumBank Holdings, Inc. Q2 2026 Earnings Call Summary (Moby)
Aug-06-26 09:00AM	OptimumBank Holdings, Inc., Announced Second Quarter 2026 Results and Will Host Earnings Webcast on August 13, 2026 (Newsfile Corp.)
Jul-24-26 08:00AM	OptimumBank Holdings, Inc. Financial Performance for the Second Quarter of 2026 (GlobeNewswire) +5.35%
May-19-26 08:30AM	OptimumBank Holdings, Inc. Named Among Nation's Top Community Banks in Raymond James Community Bankers Cup (Newsfile Corp.)
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May-18-26 08:30AM	OptimumBank Holdings, Inc. to Present at Planet MicroCap Las Vegas Powered by MicroCapClub (Newsfile Corp.)
May-05-26 08:30AM	OptimumBank Holdings, Inc. Announces Executive Leadership Transition; Chairman Moishe Gubin Appointed CEO (Newsfile Corp.)
Apr-27-26 08:29AM	OptimumBank Holdings, Inc. Reports Best Year in Company History; To Present Shareholder Deck Highlighting 21%+ Core ROAE at April 28, 2026 Annual Meeting (Newsfile Corp.)
Apr-24-26 08:30AM	OptimumBank Holdings, Inc. Financial Performance for the First Quarter of 2026 (GlobeNewswire)
Apr-20-26 08:49AM	OptimumBank Holdings, Inc. Announces Initiation of Coverage by Brean Capital (Newsfile Corp.)
Apr-10-26 08:30AM	OptimumBank Holdings, Inc. Announces Initiation of Coverage by Alliance Global Partners (Newsfile Corp.)
Apr-06-26 09:00AM	OptimumBank Holdings, Inc. To Hold Annual Shareholder Meeting and Investor Day, Tuesday, April 28, 2026 at its Headquarters in Ft. Lauderdale, Florida (Newsfile Corp.)
Mar-23-26 08:30AM	OptimumBank Ranked #49 by S&P Global Market Intelligence Among Top U.S. Community Banks (Newsfile Corp.) +5.88%
Mar-13-26 03:53PM	Dream Chasers Responds to Carver Attempt to Block Bank Turnaround Expert Moishe Gubin (Business Wire)
Feb-23-26 08:30AM	OptimumBank Holdings, Inc. Announces Formation of OptimumFunding to Launch HUD and FHA Lending Platform (GlobeNewswire)
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Feb-18-26 04:06PM	OptimumBank Holdings Inc (OPHC) Q4 2025 Earnings Call Highlights: Record Growth and Strategic ... (GuruFocus.com)
Feb-11-26 08:30AM	OptimumBank Holdings, Inc., Announced Fourth Quarter 2025 Results and Will Host Earnings Webcast on February 18, 2026 (TMX Newsfile)
Feb-02-26 08:45AM	OptimumBank Holdings, Inc. Financial Performance for the Fourth Quarter of 2025 (GlobeNewswire)
Jan-16-26 08:30AM	OptimumBank Holdings, Inc. to Present on the Emerging Growth Conference on January 21, 2026 (Newsfile Corp.)
Jan-09-26 09:00AM	OptimumBank Announces Q1 2026 Owner-Occupied Commercial Real Estate Promotion (Newsfile Corp.)
Jan-05-26 08:15AM	OptimumBank Holdings, Inc. Announces Capital Structure Enhancements Reflecting Strong Institutional and Insider Alignment (Newsfile Corp.)
Dec-09-25 08:30AM	OptimumBank Holdings, Inc. Announces Insider Share Purchase by Director Michael Blisko (GlobeNewswire)
Nov-13-25 04:05PM	OptimumBank Holdings Inc (OPHC) Q3 2025 Earnings Call Highlights: Record Earnings and Strategic ... (GuruFocus.com)
Nov-12-25 05:00PM	OptimumBank Holdings, Inc. Financial Performance for the Third Quarter of 2025 (GlobeNewswire)
Nov-06-25 08:00AM	OptimumBank Holdings, Inc., to Announce Third Quarter 2025 Results and Host Earnings Webcast on November 13, 2025 (GlobeNewswire)
Oct-27-25 08:55AM	NYSE Content Advisory: Pre-Market Update + Project Nemo named Money20/20 Grand Prix Winner (PR Newswire)
Oct-24-25 08:30AM	OptimumBank to Ring the Opening Bell at the New York Stock Exchange in Celebration of 25 Years of Growth and Community Banking (TMX Newsfile)
Oct-15-25 09:00AM	OptimumBank to Present at the LD Micro Main Event XIX (TMX Newsfile)
Sep-27-25 10:26AM	OptimumBank Holdings Inc. (OPHC) Choses IBN to Lead Its Corporate Communications Strategy (Insider Monkey)
Aug-12-25 08:00AM	OptimumBank Holdings, Inc., Issues Second Quarter Earnings Transcript and Clarification on Projected Asset Growth (GlobeNewswire)
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Aug-07-25 08:00AM	OptimumBank Holdings, Inc. Financial Performance for the Second Quarter of 2025 (GlobeNewswire) -10.99%
Aug-04-25 09:00AM	OptimumBank Holdings, Inc., to Announce Second Quarter 2025 Results and Host Earnings Webcast on August 7, 2025 (Newsfile)
Jun-16-25 09:00AM	Optimum Bank Partners with Habitat for Humanity of Broward to Provide Zero Interest Mortgage Loans to Six Local Families (Newsfile)
May-13-25 08:55AM	OptimumBank Holdings, Inc. Financial Performance for the First Quarter of 2025 (Newsfile)
May-09-25 03:42PM	OptimumBank Holdings, Inc. (OPHC): Among Cheap Rising Stocks to Buy Right Now (Insider Monkey)
May-02-25 08:55AM	OptimumBank Celebrates Record Year and Bold Outlook at 2025 Annual Shareholder Meeting (Newsfile)
Apr-28-25 08:55AM	OptimumBank Holdings, Inc. Reports Best Year in Company History; To Present Shareholder Deck Highlighting 23%+ Core ROAE at April 29, 2025 Annual Meeting (Newsfile)
Mar-31-25 08:55AM	OptimumBank Holdings, Inc. to Hold Annual Shareholder Meeting and Investor Day, on April 29, 2025 (Newsfile)
Feb-18-25 08:30AM	OptimumBank Achieves SBA Preferred Lender Status (Newsfile)
Feb-05-25 08:30AM	OptimumBank Holdings, Inc. Financial Performance for the Fourth Quarter of 2024 (Newsfile)
Feb-04-25 11:05AM	OptimumBank Holdings, Inc. (OPHC-NASDAQ) Announces Resignation of Board Member (GlobeNewswire)
Jan-16-25 09:00AM	OptimumBank to Present at the 2025 Sequire Investor Summit in Puerto Rico (GlobeNewswire)
Dec-19-24 09:00AM	OPTIMUM BANKHOLDINGS TRANSFERS LISTING OF COMMON STOCK TO THE NYSE AMERICAN (GlobeNewswire)
Nov-08-24 04:40PM	OptimumBank Holdings, Inc. Financial Performance for the Third Quarter of 2024 (GlobeNewswire) +10.04% -6.75%
Oct-15-24 08:30AM	OptimumBank to Present at the LD Micro Main Event XVII (Newsfile)
Aug-29-24 09:00AM	Two Weeks Away, Two Panels, One Place: The Best of the Best in Economics at the Inaugural Virtual Banking Conference on September 12, 2024, via Live Webcast (GlobeNewswire)
Aug-12-24 08:30AM	OptimumBank Announces New Participants at the Inaugural Virtual Banking Conference on September 12, 2024, via Live Webcast (GlobeNewswire)
Aug-06-24 10:00AM	OptimumBank Holding, Inc. Financial Performance for the Second Quarter of 2024 (GlobeNewswire)
Jul-15-24 08:15AM	OptimumBank to Host Inaugural Virtual Banking Conference on September 12, 2024, via Live Webcast (GlobeNewswire)
Jul-01-24 11:27AM	Is OptimumBank Holdings, Inc. (OPHC) a Good Bank Penny Stock to Buy? (Insider Monkey)
Jun-03-24 06:30AM	7 Growth Stocks Under $25 to Scoop Up Now (InvestorPlace)
May-23-24 08:45AM	OptimumBank Holdings, Inc. To Hold Annual Shareholder Meeting and Investor Day, Wednesday, May 29, 2024 at its Headquarters in Ft. Lauderdale, Florida (GlobeNewswire)
May-16-24 12:14PM	OptimumBank Holdings, Inc. (the Company ) (OPHC-NASDAQ) Announces First Quarter Results (GlobeNewswire)
May-13-24 10:54PM	OPHC Stock Earnings: OptimumBank Hldgs Reported Results for Q1 2024 (InvestorPlace)
May-08-24 07:50AM	Presenting on the Emerging Growth Conference 70 Day 2 on May 9 Register Now (GlobeNewswire)
May-07-24 07:00AM	Presenting on the Emerging Growth Conference 70 Day 1 on May 8 Register Now (GlobeNewswire)
Apr-03-24 07:00AM	Presenting on the Emerging Growth Conference 69 Day 2 on April 4 Register Now (GlobeNewswire)
Apr-02-24 07:00AM	Presenting on the Emerging Growth Conference 69 Day 1 on April 3 Register Now (GlobeNewswire)
Mar-12-24 04:55PM	OptimumBank Holdings, Inc. (the Company ) (OPHC-NASDAQ) Announces Full Year Results (GlobeNewswire)
Feb-07-24 07:00AM	Presenting on the Emerging Growth Conference 67 Day 2 on February 8 Register Now (GlobeNewswire)
Feb-06-24 07:00AM	Presenting on the Emerging Growth Conference 67 Day 1 on February 7 Register Now (GlobeNewswire) -9.35%
Feb-05-24 04:35PM	OptimumBank Holdings, Inc. (OPHC-NASDAQ) Announces 2023 Full Year Results for OptimumBank (the Bank ) (GlobeNewswire)
Dec-08-23 10:13AM	OptimumBank Holdings, Inc. (OPHC-NASDAQ) Chairman Gubin's comments pertaining to the Board's Strategic Planning - A successful roadmap for growing our Bank (GlobeNewswire)
Nov-09-23 06:18PM	OptimumBank Holdings, Inc. (OPHC-NASDAQ) Announces Third Quarter Earnings (GlobeNewswire)
Oct-06-23 01:00PM	OptimumBank Holdings, Inc. (OPHC-NASDAQ) Chairman Gubins comments pertaining to the Boards strategic planning - A successful roadmap for growing our Bank (GlobeNewswire)
Sep-22-23 08:35AM	Financial Services Virtual Investor Conference: Presentations Now Available for Online Viewing (GlobeNewswire)
Sep-18-23 08:35AM	Financial Services Virtual Investor Conference Agenda Announced for September 21st (GlobeNewswire)
Aug-10-23 03:45PM	OptimumBank Holdings, Inc. (OPHC-NASDAQ) Announces Second Quarter Earnings (GlobeNewswire)
Jul-14-23 08:35AM	Small Cap Growth Virtual Investor Conference: Presentations Now Available for Online Viewing (GlobeNewswire)
Jul-10-23 03:46PM	Small Cap Growth Virtual Investor Conference Agenda Announced for July 13th (GlobeNewswire)
Jul-06-23 08:35AM	OptimumBank to Present at the Small Cap Growth Virtual Investor Conference July 13th (GlobeNewswire)
Jun-28-23 05:00PM	Chairmans Comments for the Annual Shareholder Meeting June 27, 2023 (GlobeNewswire)
May-26-23 04:00PM	OptimumBank Holdings, Inc. (OPHC-NASDAQ) Announces First Quarter Earnings (GlobeNewswire)
May-11-23 10:00AM	OptimumBank Holdings, Inc. (OPHC-NASDAQ) Announces First Quarter Results for OptimumBank (GlobeNewswire)
Feb-23-23 04:07PM	12 High Growth Penny Stocks that are Profitable (Insider Monkey)
Feb-22-23 09:00AM	OptimumBank (the "Bank") Announces OptimumBanks Entry into SMALL BUSINESS ADMINISTRATION (SBA) National Lending (GlobeNewswire)
Feb-02-23 08:47AM	If EPS Growth Is Important To You, OptimumBank Holdings (NASDAQ:OPHC) Presents An Opportunity (Simply Wall St.)
Nov-13-22 07:17AM	OptimumBank Holdings Third Quarter 2022 Earnings: EPS: US$0.11 (vs US$0.21 in 3Q 2021) (Simply Wall St.)
Nov-11-22 03:30PM	OptimumBank Holdings, Inc. (OPHC-NASDAQ) Announces Third Quarter Results (GlobeNewswire)
Aug-30-22 11:30AM	OptimumBank Holdings, Inc. (OPHC-NASDAQ) Strengthens Board of Directors with the Election of Mr. Steven Newman, at the August 23, 2022 Board of Directors meeting. (GlobeNewswire)
Aug-10-22 07:49AM	Does OptimumBank Holdings (NASDAQ:OPHC) Deserve A Spot On Your Watchlist? (Simply Wall St.)
Aug-09-22 12:30PM	OptimumBank Holdings, Inc. (OPHC-NASDAQ) Announces Second Quarter Results for OptimumBank (GlobeNewswire) +5.99%
Aug-01-22 01:25PM	OptimumBank Holdings, Inc. (OPHC-NASDAQ) Announces Second Quarter Results for OptimumBank (GlobeNewswire)
May-11-22 10:20AM	OptimumBank Holdings, Inc. (OPHC-NASDAQ) Announces Resignation of Board Member (GlobeNewswire)
Apr-29-22 10:12AM	OptimumBank Holdings, Inc. (OPHC-NASDAQ) Announces First Quarter Results for OptimumBank (GlobeNewswire)
Apr-26-22 02:55PM	Chairman Comments from the Annual Shareholder Meeting held on April 26, 2022 (GlobeNewswire)
Apr-11-22 10:00AM	OptimumBank Holdings, Inc. (OPHC-NASDAQ) Announces Lending to the Senior Healthcare industry (GlobeNewswire)
Feb-01-22 02:30PM	OptimumBank Holdings, Inc. (OPHC-NASDAQ) Announces Full Year Results for OptimumBank (the Bank) (GlobeNewswire) +22.50%
Dec-06-21 09:00AM	OptimumBank Holdings, Inc. (OPHC-NASDAQ) OptimumBank (the Bank) Announces OptimumBanks Entry into Accounts Receivable Financing to Skilled Nursing Facilities (GlobeNewswire)
Nov-09-21 01:25PM	OptimumBank Holdings, Inc. (OPHC-NASDAQ) Announces Third Quarter Results (GlobeNewswire)
Aug-13-21 09:00AM	OptimumBank Holdings, Inc. (OPHC-NASDAQ) Announces Second Quarter Results for OptimumBank (the Bank) (GlobeNewswire)
Jul-30-21 04:05PM	OptimumBank Holdings, Inc. (OPHC-NASDAQ) Announces Successful Acquisition of Remaining TruPS (GlobeNewswire) -23.15%
Jun-07-21 11:00AM	OptimumBank Holdings, Inc. Announces Commencement of Exchange Offer for Trust Preferred Securities (GlobeNewswire)
May-26-21 10:55AM	OptimumBank Holdings, Inc. (OPHC-NASDAQ) Chairman Comments from the Annual Shareholder Meeting held on May 25, 2021 (GlobeNewswire)
May-11-21 12:59PM	OptimumBank Holdings, Inc. (OPHC-NASDAQ) Announces First Quarter Results for OptimumBank (the Bank) (GlobeNewswire)
Feb-05-21 09:00AM	OptimumBank Holdings, Inc. (OPHC-NASDAQ) Announces (GlobeNewswire)
Dec-17-20 12:58PM	OptimumBank Holdings, Inc. (OPHC-NASDAQ) Announces (GlobeNewswire)
Dec-07-20 02:55PM	OptimumBank Holdings, Inc. (OPHC-NASDAQ) Announces Third Quarter Results for OptimumBank (the Bank) (GlobeNewswire)
Sep-23-20 10:40AM	A Look At OptimumBank Holdings' (NASDAQ:OPHC) CEO Remuneration (Simply Wall St.)
Sep-10-20 02:00PM	Midyear Numbers Show Bright Start to 2020 (GlobeNewswire)

OptimumBank Holdings, Inc. engages in offering a variety of community banking services to individual and corporate customers through its subsidiary, OptimumBank. Its services include savings, deposits, checking, cash management services, business checking, online banking, and ATM networks. The company was founded on March 23, 2004 and is headquartered in Fort Lauderdale, FL.

CEOMr. Moishe Gubin CPA

Executive VP & CFOMr. Elliot Nunez

Managing Director of Investor and Corporate RelationsSeth Denison

Vice President of Bank OperationsMs. Lesile M. Legg

Senior Vice President of LendingMr. Frank A. Nelson

Insider Trading	Relationship	Date	Transaction	Cost	#Shares	Value ($)	#Shares Total	SEC Form 4
Terry Timothy	PEO	Feb 02 '26	Sale	4.73	39,304	185,908	0	Feb 04 08:16 AM
Terry Timothy	Officer	Jan 05 '26	Proposed Sale	4.24	39,304	166,648		Jan 05 12:37 PM
Blisko Michael	Director	Dec 04 '25	Sale	4.09	7,600	31,084	604,645	Dec 08 11:07 AM

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OPHC

Optimumbank Holdings Inc

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