OptimumBank Holdings, Inc.
OptimumBank Holdings is a Florida bank holding company whose only business is owning and operating OptimumBank, a Florida state-chartered bank. OptimumBank serves individuals, businesses and other organizations through its headquarters and three branches in Broward and Miami-Dade counties. It provides consumer and commercial banking services, including deposit accounts, payment services, cash management, online and mobile banking, and loans. Its lending includes commercial and residential real estate, multifamily, land and construction, consumer, working-capital and SBA-guaranteed loans, with specialized lending and treasury management services for skilled nursing facilities and merchant cash advance providers. The bank earns money primarily from interest and fees on loans, interest on securities and short-term investments, and service charges on payment transactions. Deposits, borrowings and loan and securities repayments fund its lending and investment activities. OptimumBank Holdings is headquartered in Fort Lauderdale, Florida.
No SEC Form 4 filings for $OPHC in the last 30 days.
See all $OPHC insider activity →OptimumBank Holdings, Inc. (OPHC) filed an SEC Form 8-K — Unregistered Sales of Equity Securities. Item 3.02. Unregistered Sales of Equity Securities. On November 5, 2026, OptimumBank Holding Company, Inc. (the “Company”), closed a private placement offering of 1,290,322 shares of its voting common stock, $0.01 par value per share (“Common Stock”), to an institutional accredit
OptimumBank Holdings, Inc. (OPHC) filed an SEC Form 8-K — Results of Operations and Financial Condition. Exhibit 99.1 OptimumBank Holdings, Inc. Financial Performance for the Third Quarter of 2026 Fort Lauderdale, FL, November 12, 2026 — OptimumBank Holdings, Inc. (NYSE American: OPHC) (the “Company”) is a financial holding company and owns 100% of OptimumBank (the “Bank”), a Florid
OptimumBank Holdings, Inc. (OPHC) will release Q3 2026 financial results on Nov. 13, 2026, before market open. A conference call and webcast are scheduled for 10:00 AM ET to discuss results and provide a business update. The company is traded on the NYSE American under the symbol OPHC.
Over the past 7 days, AlphAI's AI scored 2 news stories mentioning OPHC (OptimumBank Holdings, Inc.). Coverage has been balanced: 1 bullish, 0 neutral, and 1 bearish.
Recent OPHC coverage spans earnings, corporate actions and financial news.
The unregistered equity raise dilutes existing shareholders and may pressure the stock price.
Earnings beat and strong loan/deposit growth suggest positive momentum.
The announcement sets the date for the earnings release, creating a short‑term focus on the stock around the release time.
Bank‑related stock drops; no news cited.
The new debt raises capital and may affect leverage ratios, credit perception, and short‑term liquidity.
AlphAI scores every news story that mentions OPHC with an AI model for sentiment and relevance, and aggregates insider trades from OptimumBank Holdings, Inc.'s SEC EDGAR Form 4 filings. Figures refresh continuously.
OptimumBank Holdings, Inc. (OPHC) filed an SEC Form 8-K — Unregistered Sales of Equity Securities. Item 3.02. Unregistered Sales of Equity Securities. On November 5, 2026, OptimumBank Holding Company, Inc. (the “Company”), closed a private placement offering of 1,290,322 shares of its voting common stock, $0.01 par value per share (“Common Stock”), to an institutional accredit
OptimumBank Holdings, Inc. (OPHC) filed an SEC Form 8-K — Results of Operations and Financial Condition. Exhibit 99.1 OptimumBank Holdings, Inc. Financial Performance for the Third Quarter of 2026 Fort Lauderdale, FL, November 12, 2026 — OptimumBank Holdings, Inc. (NYSE American: OPHC) (the “Company”) is a financial holding company and owns 100% of OptimumBank (the “Bank”), a Florid
OptimumBank Holdings, Inc. (OPHC) will release Q3 2026 financial results on Nov. 13, 2026, before market open. A conference call and webcast are scheduled for 10:00 AM ET to discuss results and provide a business update. The company is traded on the NYSE American under the symbol OPHC.
Premarket trading on Friday shows significant moves in several stocks. RFAI surged 489% to $75.00, SUGP rose 46% to $4.04, and USDE climbed 18% to $4.72. Conversely, DFNS dropped 18% to $20.05, OSIS fell 15% to $186.47, and OPHC declined 11% to $8.21. These early swings may indicate momentum for the regular trading session.
OptimumBank Holdings, Inc. (OPHC) filed an SEC Form 8-K — Entry into a Material Definitive Agreement. Exhibit 99.1
OptimumBank Holdings (NYSE American: OPHC) reported Q2 2026 net income of $6.7M ($0.40 basic, $0.28 diluted), up from $4.7M in Q1 2026 and $3.6M in Q2 2025. For six months ended June 30, 2026 net income rose to $11.3M. Loans and deposits each grew about $126M and $121M QoQ to $1.2B. The company will host a webcast Aug. 13.
OptimumBank Holdings, Inc. (OPHC) filed an SEC Form 8-K — Results of Operations and Financial Condition. EX-99.1 2 ex99-1.htm EX-99.1 Exhibit 99.1 OptimumBank Holdings, Inc. Financial Performance for the Second Quarter of 2026 Fort Lauderdale, FL, July 24, 2026 — OptimumBank Holdings, Inc. (NYSE American: OPHC) (the “Company”) is a financial holding company and owns 100% of OptimumB
OptimumBank Holdings (NYSE American: OPHC) reported 2Q26 net income of $6.7M, or $0.40 basic and $0.28 diluted EPS, up from $4.7M in 1Q26 and $3.6M in 2Q25. Deposits rose $121M to $1.2B and total assets to $1.4B. Net interest margin increased to 4.57%. Credit showed a $0.4M loss reversal and $11k net charge-offs.
OptimumBank Holdings (OPHC) has been recognized with the 2025 Raymond James Community Bankers Cup, placing it among the top 10% of U.S. community banks for profitability, efficiency, and balance sheet strength. As the only Florida bank and one of only two in the Southeast to receive the award, OptimumBank was selected from 191 eligible institutions. This distinction highlights the bank's strong operational performance and strategic growth, further bolstered by recent positive corporate and financial updates.
OptimumBank Holdings (OPHC) will hold its Annual Shareholder Meeting and Investor Day on April 28, 2026, to highlight its most successful year, with a Core Return on Average Equity (ROAE) of 21.56% and a Net Interest Margin (NIM) of 4.28% for fiscal 2025. The company will also present updated Q1 2026 performance data. Investors can attend virtually, and the presentation deck is available online.
