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    OptimumBank (OPHC)

    Market Price (9/21/2026): $9.26 | Market Cap: $153.0 MilSector: Financials | Industry: Regional Banks

    OptimumBank (OPHC)

    Market Price (9/21/2026): $9.26
    Market Cap: $153.0 Mil
    Sector: Financials
    Industry: Regional Banks

    Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

    0

    Attractive yield
    Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 13%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 9.1%, FCF Yield is 17%

    Cash is significant % of market cap
    Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -68%

    Strong revenue growth
    Rev Chg LTMRevenue Change % Last Twelve Months (LTM) is 36%

    Attractive cash flow generation
    CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 45%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 43%

    Low stock price volatility
    Vol 12M is 37%

    Stock price has recently run up significantly
    12M Rtn12 month market price return is 122%

    Valuation getting more expensive
    P/S 6M Chg %Price/Sales change over 6 months. Declining P/S indicates valuation has become less expensive. is 131%

    Key risks
    OPHC key risks include [1] a high concentration of credit risk in South Florida real estate and [2] an inability to generate returns that exceed its cost of capital.

    0 Attractive yield
    Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 13%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 9.1%, FCF Yield is 17%
    1 Cash is significant % of market cap
    Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -68%
    2 Strong revenue growth
    Rev Chg LTMRevenue Change % Last Twelve Months (LTM) is 36%
    3 Attractive cash flow generation
    CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 45%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 43%
    4 Low stock price volatility
    Vol 12M is 37%
    5 Stock price has recently run up significantly
    12M Rtn12 month market price return is 122%
    6 Valuation getting more expensive
    P/S 6M Chg %Price/Sales change over 6 months. Declining P/S indicates valuation has become less expensive. is 131%
    7 Key risks
    OPHC key risks include [1] a high concentration of credit risk in South Florida real estate and [2] an inability to generate returns that exceed its cost of capital.

    OPHC in ETFs

    Weight = OPHC's share of each fund

    VTI0.00%
    DFAS0.00%
    DFAC0.00%

    Valuation & Metrics

    FYE: 12/31OPHC [1]S&P 500 [2]
    REVENUE GROWTH
    LTM Revenue [3]$58.8 Mil—
    FY 2026 Sales$68.6 Mil—
    FY 2027 Sales$82.7 Mil—
    FY 2026 Sales Growth16.7%—
    FY 2027 Sales Growth20.6%12.9%
    EARNINGS
    LTM Net Income (GAAP) [3]$20.5 Mil—
    FY 2026 Net Income (Non-GAAP)$14.3 Mil—
    FY 2027 Net Income (Non-GAAP)$16.0 Mil—
    FY 2027 Net Income Growth12.3%18.1%
    FY 2026 EPS (Non-GAAP)$1.16—
    FY 2027 EPS (Non-GAAP)$1.31—
    FY 2027 EPS Growth12.3%—
    VALUATION
    FY 2026 P/S2.21.6
    FY 2027 P/S1.9—
    FY 2026 P/E10.77.4
    FY 2027 P/E9.5—

    [1] OPHC forward figures are analyst consensus for the next two fiscal years (fiscal year end 12/31). Net Income and EPS are non-GAAP (adjusted) consensus. P/S and P/E divide the current market cap by the consensus figure.
    [2] S&P 500 figures are the SPY ETF's holdings-weighted forward aggregate. P/S and P/E reflect FY1/FY2 consensus blended to the 12-month window ending 9/30/27 (~one year forward), shown when ≥90% of index weight has estimates. Growth is the aggregate next-fiscal-year vs current-fiscal-year (FY1→FY2) change. Index-level dollar Sales, Net Income and EPS are not applicable.
    [3] LTM = reported trailing-twelve-month actuals (GAAP).
    null

    AI Analysis | Feedback

    MetricValueDateSource
    Tier 1 Capital to Total Assets Ratio11.89%6302025Link
    Uninsured Deposits to Total Deposits31.0%3312025Link
    Noninterest-bearing Deposits to Total Deposits27.6%3312025Link
    Number of Employees886302025Link
    Number of Domestic Offices410242025Link
    Net Loan-to-Deposit Ratio96.8%2142024Link
    Efficiency Ratio51.18%6302025Link

    Price Chart

    Upcoming
    11/09/2026Earnings ReleaseRev: $17 Mil (E)
    EPS: $0.31 (E)

    Why The Stock Moved

    Qualitative Assessment

    AI Analysis | Feedback

    Updated on 9/18/2026

    OptimumBank (OPHC) stock has gained about 70% since 5/31/2026 because of the following key factors:

    1. OptimumBank Holdings, Inc. reported record financial performance for fiscal Q2 2026, which ended on June 30, 2026, and subsequently raised its earnings outlook. The company's net income for the quarter reached $6.7 million, or $0.28 diluted EPS, marking an 85% increase from the prior-year period. This strong performance led management to raise its forward-looking annual earnings estimate to a range of $1.00–$1.15 per share based on the quarterly run rate.

    2. The company experienced significant balance sheet growth and improved operational efficiency during fiscal Q2 2026. Total assets surpassed $1.40 billion, representing a 40.2% year-over-year increase. Gross loans grew by 11.6% from the previous quarter to $1.22 billion, and total deposits increased by 11.1% to $1.21 billion. The net interest margin expanded to 4.57%, up 8 basis points from fiscal Q1 2026, and the annualized core Return on Average Equity (ROAE) increased to 26.9%.

    Show more
    Updated on 9/18/2026

    OptimumBank (OPHC) stock has gained about 70% since 5/31/2026 because of the following key factors:

    1. OptimumBank Holdings, Inc. reported record financial performance for fiscal Q2 2026, which ended on June 30, 2026, and subsequently raised its earnings outlook. The company's net income for the quarter reached $6.7 million, or $0.28 diluted EPS, marking an 85% increase from the prior-year period. This strong performance led management to raise its forward-looking annual earnings estimate to a range of $1.00–$1.15 per share based on the quarterly run rate.

    2. The company experienced significant balance sheet growth and improved operational efficiency during fiscal Q2 2026. Total assets surpassed $1.40 billion, representing a 40.2% year-over-year increase. Gross loans grew by 11.6% from the previous quarter to $1.22 billion, and total deposits increased by 11.1% to $1.21 billion. The net interest margin expanded to 4.57%, up 8 basis points from fiscal Q1 2026, and the annualized core Return on Average Equity (ROAE) increased to 26.9%.

    3. OptimumBank received positive recognition and upgrades from analysts, signaling growing institutional interest. The bank was named among the nation's Top Community Banks in the Raymond James Community Bankers Cup in May 2026 and ranked #49 by S&P Global Market Intelligence among top U.S. Community Banks in March 2026. Several research firms issued new and upgraded "Buy" ratings, with analysts setting an average 1-year price target of $10.92, indicating a 20.36% potential upside from the stock price on September 12, 2026. Additionally, as of September 18, 2026, Zacks Investment Research added OPHC to its "Strong Buy" list, noting a 16.5% increase in consensus current year earnings estimates over the preceding 60 days.

    4. OptimumBank bolstered its capital structure with a strategic private placement of $35.0 million in subordinated notes in August 2026. The company issued 7.50% Fixed-to-Floating Rate Subordinated Notes due 2036, which are intended to qualify as Tier 2 capital. This capital infusion provides support for future growth initiatives and balance sheet expansion.

    5. A key executive leadership transition occurred with Chairman Moishe Gubin being appointed as Chief Executive Officer, effective May 1, 2026. This leadership change took place as the institution continued its trajectory of rapid growth, potentially signaling a strategic focus on expanding its operations and market presence.

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    Stock Movement Drivers

    Fundamental Drivers

    The 69.6% change in OPHC stock from 5/31/2026 to 9/20/2026 was primarily driven by a 99.3% change in the company's P/E Multiple.
    (LTM values as of)53120269202026Change
    Stock Price ($)5.509.3369.6%
    Change Contribution By: 
    Total Revenues ($ Mil)54599.5%
    Net Income Margin (%)32.5%34.9%7.3%
    P/E Multiple3.87.599.3%
    Shares Outstanding (Mil)1217-27.5%
    Cumulative Contribution69.6%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    5/31/2026 to 9/20/2026
    ReturnCorrelation
    OPHC69.6% 
    Market (SPY)0.9%21.0%
    Sector (XLF)8.3%11.7%

    Fundamental Drivers

    The 75.4% change in OPHC stock from 2/28/2026 to 9/20/2026 was primarily driven by a 103.7% change in the company's P/E Multiple.
    (LTM values as of)22820269202026Change
    Stock Price ($)5.329.3375.4%
    Change Contribution By: 
    Total Revenues ($ Mil)495919.1%
    Net Income Margin (%)33.7%34.9%3.4%
    P/E Multiple3.77.5103.7%
    Shares Outstanding (Mil)1217-30.1%
    Cumulative Contribution75.4%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    2/28/2026 to 9/20/2026
    ReturnCorrelation
    OPHC75.4% 
    Market (SPY)11.6%16.7%
    Sector (XLF)9.2%10.0%

    Fundamental Drivers

    The 119.5% change in OPHC stock from 8/31/2025 to 9/20/2026 was primarily driven by a 121.8% change in the company's P/E Multiple.
    (LTM values as of)83120259202026Change
    Stock Price ($)4.259.33119.5%
    Change Contribution By: 
    Total Revenues ($ Mil)435936.4%
    Net Income Margin (%)34.2%34.9%2.1%
    P/E Multiple3.47.5121.8%
    Shares Outstanding (Mil)1217-28.9%
    Cumulative Contribution119.5%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    8/31/2025 to 9/20/2026
    ReturnCorrelation
    OPHC119.5% 
    Market (SPY)19.4%17.7%
    Sector (XLF)4.7%14.8%

    Fundamental Drivers

    The 200.0% change in OPHC stock from 8/31/2023 to 9/20/2026 was primarily driven by a 160.7% change in the company's Total Revenues ($ Mil).
    (LTM values as of)83120239202026Change
    Stock Price ($)3.119.33200.0%
    Change Contribution By: 
    Total Revenues ($ Mil)2359160.7%
    Net Income Margin (%)20.8%34.9%67.7%
    P/E Multiple4.87.556.4%
    Shares Outstanding (Mil)717-56.1%
    Cumulative Contribution200.0%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    8/31/2023 to 9/20/2026
    ReturnCorrelation
    OPHC200.0% 
    Market (SPY)75.6%19.5%
    Sector (XLF)69.8%15.4%

    Return vs. Risk

    Price Returns Compared

     202120222023202420252026Total [1]
    Returns
    OPHC Return17%4%2%14%-11%117%174%
    Peers Return27%-0%-8%22%20%6%81%
    S&P 500 Return27%-19%24%23%16%12%103%

    Monthly Win Rates [3]
    OPHC Win Rate67%58%42%58%50%89% 
    Peers Win Rate70%50%45%55%63%40% 
    S&P 500 Win Rate75%42%67%75%67%44% 

    Max Drawdowns [4]
    OPHC Max Drawdown-43%-30%-35%-15%-24%-13% 
    Peers Max Drawdown-22%-26%-50%-18%-27%-17% 
    S&P 500 Max Drawdown-5%-25%-10%-8%-19%-9% 

    [1] Cumulative total returns since the beginning of 2021
    [2] Peers: SBCF, BKU, ABCB, FHN, TFC.
    [3] Win Rate = % of calendar months in which monthly returns were positive
    [4] Max drawdown represents maximum peak-to-trough decline within a year
    [5] 2026 data is for the year up to 9/18/2026 (YTD)

    How Low Can It Go

    EventOPHCS&P 500
    2025 US Tariff Shock
      % Loss-23.8%-18.8%
      % Gain to Breakeven31.3%23.1%
      Time to Breakeven35 days79 days
    2023 SVB Regional Banking Crisis
      % Loss-27.3%-6.7%
      % Gain to Breakeven37.5%7.1%
      Time to Breakeven204 days31 days
    2022 Inflation Shock & Fed Tightening
      % Loss-18.8%-24.5%
      % Gain to Breakeven23.1%32.4%
      Time to Breakeven26 days427 days
    2020 COVID-19 Crash
      % Loss-30.4%-33.7%
      % Gain to Breakeven43.6%50.9%
      Time to Breakeven63 days140 days
    Q4 2018 Fed Policy Error / Growth Scare
      % Loss-48.8%-19.2%
      % Gain to Breakeven95.2%23.8%
      Time to Breakeven930 days105 days
    2016-2017 Trump Reflation Bond Selloff
      % Loss-52.6%-3.7%
      % Gain to Breakeven111.1%3.9%
      Time to Breakeven205 days6 days

    Compare to SBCF, BKU, ABCB, FHN, TFC

    In The Past

    OptimumBank's stock fell -23.8% during the 2025 US Tariff Shock. Such a loss loss requires a 31.3% gain to breakeven.

    Preserve Wealth

    Limiting losses and compounding gains is essential to preserving wealth.

    Asset Allocation

    Actively managed asset allocation strategies protect wealth. Learn more.

    EventOPHCS&P 500
    2025 US Tariff Shock
      % Loss-23.8%-18.8%
      % Gain to Breakeven31.3%23.1%
      Time to Breakeven35 days79 days
    2023 SVB Regional Banking Crisis
      % Loss-27.3%-6.7%
      % Gain to Breakeven37.5%7.1%
      Time to Breakeven204 days31 days
    2020 COVID-19 Crash
      % Loss-30.4%-33.7%
      % Gain to Breakeven43.6%50.9%
      Time to Breakeven63 days140 days
    Q4 2018 Fed Policy Error / Growth Scare
      % Loss-48.8%-19.2%
      % Gain to Breakeven95.2%23.8%
      Time to Breakeven930 days105 days
    2016-2017 Trump Reflation Bond Selloff
      % Loss-52.6%-3.7%
      % Gain to Breakeven111.1%3.9%
      Time to Breakeven205 days6 days
    2015-2016 China Devaluation / Global Growth Scare
      % Loss-65.4%-12.2%
      % Gain to Breakeven189.1%13.9%
      Time to Breakeven3881 days62 days
    2011 US Debt Ceiling Crisis & European Contagion
      % Loss-52.1%-17.9%
      % Gain to Breakeven108.9%21.8%
      Time to Breakeven159 days123 days

    Compare to SBCF, BKU, ABCB, FHN, TFC

    In The Past

    OptimumBank's stock fell -23.8% during the 2025 US Tariff Shock. Such a loss loss requires a 31.3% gain to breakeven.

    Preserve Wealth

    Limiting losses and compounding gains is essential to preserving wealth.

    Asset Allocation

    Actively managed asset allocation strategies protect wealth. Learn more.

    About OptimumBank (OPHC)

    OptimumBank Holdings, Inc. (OPHC) is a bank holding company based in Fort Lauderdale, Florida, operating through its subsidiary, OptimumBank. Established in 2000, it provides a range of consumer and commercial banking services primarily to individuals and businesses within Broward County, Florida, through its two local banking offices.

    The company's core offerings include various deposit accounts, such as checking, savings, money market, and certificates of deposit (CDs), catering to both individual and business cash management needs. On the lending side, OptimumBank specializes in a diverse portfolio of loans, including residential and commercial real estate, multi-family real estate, land and construction, and general commercial loans, alongside consumer loans and lines of credit for working capital.

    Beyond its fundamental deposit and lending activities, OptimumBank also provides essential banking amenities like debit and ATM cards, investment and cash management services, and convenient digital banking options including internet banking. Other services such as notary, direct deposits, money orders, and cashier's checks further support its customer base.

    AI Analysis | Feedback

    • It's a community bank, like a hyper-local version of Bank of America for businesses and individuals in Broward County, Florida.
    • Think of it as a small, independent bank, akin to a neighborhood branch of a larger regional bank like Truist, but serving Fort Lauderdale and surrounding Broward County.
    • It's like a local credit union, but structured as a publicly traded bank, serving the Fort Lauderdale area.

    AI Analysis | Feedback

    • Deposit Accounts: OptimumBank offers various checking, savings, money market, and time deposit accounts, including certificates of deposit.
    • Lending Services: The bank provides a wide range of loans, such as real estate, commercial, construction, and consumer loans, along with lines of credit.
    • Card Services: Customers can access their funds and make transactions using debit and ATM cards.
    • Cash Management & Investment Services: OptimumBank assists businesses and individuals with tools for managing their investments and cash flow.
    • Ancillary Banking Services: These include direct deposits, money orders, cashier's checks, notary, night depository, and internet banking services.

    AI Analysis | Feedback

    OptimumBank (OPHC) serves a diverse customer base, primarily consisting of individuals and businesses within Broward County, Florida. As a community bank, it does not have a few major named corporate customers; rather, its clientele is spread across several categories:

    • Individual Customers (Consumers): This category includes residents seeking personal banking services. They utilize demand, interest-bearing, and noninterest-bearing accounts, savings, money market, NOW accounts, time deposit accounts, certificates of deposit, residential real estate loans, and various consumer loans. They also use debit and ATM cards, direct deposits, and money orders.
    • Commercial Businesses: This category encompasses small to medium-sized businesses that require a range of commercial banking services. These include commercial loans, lending lines for working capital needs, commercial real estate loans, land and construction loans, and business deposit accounts. They also benefit from services like investment, cash management, notary, night depository, and domestic collections.
    • Real Estate Developers and Investors: Given OptimumBank's significant offering of residential and commercial real estate, multi-family real estate, and land and construction loans, this represents a key segment of their business clientele. These customers are typically involved in property acquisition, development, and investment within the local Florida market.

    AI Analysis | Feedback

    The following are identified as major suppliers for OptimumBank Holdings, Inc. (OPHC):

    • MSL, P.A.
    • Visa Inc. (V)
    • Mastercard Incorporated (MA)

    AI Analysis | Feedback

    Timothy Terry, Chief Executive Officer

    Timothy Terry has served as President and Chief Executive Officer of OptimumBank since February 2013 and as the Company's Principal Executive Officer since June 2016. He brings over 35 years of banking experience to his role. Prior to joining OptimumBank, he held senior leadership positions, including President, CEO, and Senior Loan Officer for Enterprise Bank of Florida. He also held senior lending, branch administration, and sales management roles at Palm Beach National Bank & Trust, Flagler National Bank of the Palm Beaches, and Comerica Bank.

    Elliot Nunez, Executive Vice President and Chief Financial Officer

    Elliot Nunez has been the Chief Financial Officer of OptimumBank since February 2020. In this capacity, he oversees the bank's financial operations and strategic positioning. His previous experience includes serving as Chief Financial Officer for Brickell Bank and Mellon United National Bank. Mr. Nunez also worked as a Senior Manager at KPMG LLP, providing assurance and advisory services to banking clients. He is a licensed Certified Public Accountant and a Chartered Global Management Accountant.

    Moishe Gubin, Chairman of the Board

    Moishe Gubin has served as a Director of OptimumBank Holdings, Inc. and OptimumBank since March 2010. He is the Chief Executive Officer of Strawberry Fields REIT, LLC, which owns a portfolio of healthcare properties. From 2004 to 2014, he was the Chief Financial Officer and manager of Infinity Healthcare Management, LLC, a company involved in managing skilled nursing and other healthcare facilities. Mr. Gubin is a licensed Certified Public Accountant in New York and founded the Midwest Torah Center Inc., a non-profit spiritual outreach center.

    Melissa Zureich, Chief Credit Officer

    Melissa Zureich joined OptimumBank as Chief Credit Officer in May 2022. She is responsible for all aspects of Credit Administration, including credit policy, loan asset quality, loan underwriting, and loan operations. Ms. Zureich has held Chief Credit Officer positions for three banks over the past two decades. Before joining OptimumBank, she was the Director of Credit Administration at BayFirst Financial, where she managed the credit administration function for a diverse and growing SBA portfolio.

    AI Analysis | Feedback

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    Key Risks to OptimumBank (OPHC)

    1. Credit Risk and Real Estate Concentration: A significant portion of OptimumBank's loan portfolio is collateralized by real estate in South Florida, making the business highly susceptible to local economic downturns. This concentration also introduces risks related to the uncertain future value of collateral and the repayment capabilities of individual borrowers. The bank's allowance for credit losses is sensitive to broader economic conditions and borrower ability to pay.
    2. Interest Rate Risk: OptimumBank's profitability largely depends on net interest income, which is directly affected by interest rate spreads. Fluctuations in interest rates, especially sudden and substantial increases, can negatively impact net interest income if interest-earning assets and interest-bearing liabilities do not reprice at similar rates or to the same extent.
    3. Competitive Environment: The bank operates within a highly competitive banking industry, facing strong competition in attracting deposits and originating loans. This intense competition can influence deposit flows, the cost of funds, and overall lending activities, affecting the bank's operational and financial performance.

    ```

    AI Analysis | Feedback

    The rise of fintech companies and neobanks offering digital-first banking services with highly competitive rates, lower fees, and enhanced online/mobile experiences. These entities directly compete for core banking services, including deposit accounts and simpler loan products, potentially eroding OptimumBank's customer base and limiting its future growth opportunities, particularly among digitally-savvy consumers.

    AI Analysis | Feedback

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    Addressable Markets for OptimumBank (OPHC)

    OptimumBank, operating through two banking offices in Broward County, Florida, addresses the following markets for its main products and services:

    • Deposit Products (Demand, Savings, Money Market, NOW, Time Deposits, CDs): The addressable market for deposits in the Miami-Fort Lauderdale-West Palm Beach Metropolitan Statistical Area, which includes Broward County, was approximately $336.3 billion as of June 30, 2025.
    • Residential Real Estate Loans (New Home Loans): The addressable market for new home loans across Florida was $87.1 billion in 2024.
    • Commercial Loans (including lines for working capital needs, small business loans): The addressable market for small business loans across Florida was $52.9 billion.
    ```

    AI Analysis | Feedback

    Here are 3-5 expected drivers of future revenue growth for OptimumBank (OPHC) over the next 2-3 years:

    1. Sustained Loan Growth, particularly in Commercial Real Estate: OptimumBank has demonstrated significant loan growth, with a reported 19% increase in 2025 and guidance anticipating over 25% loan growth, specifically highlighting commercial real estate as a primary driver.
    2. Expansion into New Lending Verticals: The company is launching a new wholly-owned subsidiary, OptimumFunding, to establish a HUD and FHA lending platform, which represents a new specialized financing solution and revenue stream for 2026.
    3. Geographic Expansion: OptimumBank has outlined plans for geographic expansion in 2026, building upon its existing presence in South Florida.
    4. Strategic Investments in Technology: The bank is making strategic investments in a new digital core platform, which is expected to enhance scalability and improve the user experience, potentially attracting and retaining more customers through advanced service offerings.
    5. Growth of the SBA Lending Program: OptimumBank has successfully achieved SBA Preferred Lender status and has rapidly developed its SBA lending program from inception, indicating a growing segment with further revenue potential.

    AI Analysis | Feedback

    Share Issuance

    • As part of a capital structure modernization at year-end 2025, AllianceBernstein converted 350,000 shares of common stock into preferred stock in October 2025.
    • In January 2026, Director Michael Blisko exchanged 65 shares of Series B Convertible Preferred Stock for 531,178 newly issued shares of OptimumBank Holdings common stock.
    • In October 2025, OptimumBank amended its Series B preferred stock to align with its Series C preferred stock, impacting diluted common share counts and related financial disclosures.

    Inbound Investments

    • Leading up to January 2026, AllianceBernstein, a major institutional investor, significantly increased its economic exposure to OptimumBank Holdings through open-market purchases and direct investments in both common and preferred equity.
    • During the first quarter of 2025, $8.6 million of new investment contributed to the Bank's Tier 1 capital growth.

    Outbound Investments

    • In late 2025/early 2026, OptimumBank established OptimumHUD Loans, LLC, a new subsidiary, contributing $1 million in capital to originate HUD-insured mortgage loans.

    Capital Expenditures

    • OptimumBank has made continuous investments in technology, talent, and targeted growth strategies to scale the organization.
    • Strategic investments in a new digital core platform were implemented in 2025 to enhance scalability and user experience.
    • Net Property, Plant & Equipment increased from $2.58 million in fiscal year 2021 to $5.11 million in fiscal year 2025, reflecting investments in physical assets.

    Peer Outperformance in Regional Banks

    OPHC has outperformed 67% of its 264 Regional Banks peers over 5Y. Regional Banks ranks 7th of 18 industries in Financials by median 5Y return.
    Share of Regional Banks constituents that OPHC has outperformed, by holding period. Peers without a full price history over a given window are excluded from that window.
    1Y
    100%
    of 288 industry peers · 121.6% return
    3Y
    100%
    of 277 industry peers · 201.9% return
    5Y
    67%
    of 264 industry peers · 92.8% return
    No Regional Banks peer with a comparable growth profile has beaten OPHC by more than 20pp over 5Y.
    Median price return by industry across the Financials sector, ranked by 5Y. Regional Banks is OPHC's own industry. Use this to see which corners of the sector have carried the returns.
    Industry Names 1Y med3Y med5Y med Top 3 by 5Y
    Reinsurance 6 24.2%70.6%133.7% SPNT 170% · RGA 154% · RNR 140%
    Investment Banking & Brokerage 13 -1.7%105.1%116.5% IBKR 527% · SNEX 257% · HOOD 183%
    Diversified Banks 12 27.5%129.8%116.3% CM 161% · JPM 159% · RY 149%
    Life & Health Insurance 20 8.6%57.6%105.8% JXN 534% · UNM 373% · FG 207%
    Multi-Sector Holdings 4 6.8%50.2%87.3% JONE 361% · VOYA 88% · BRK-B 87%
    Property & Casualty Insurance 42 9.6%67.5%67.8% ASIC 2760900% · HRTG 445% · UVE 331%
    Regional Banks ← 265 23.9%91.7%67.1% ESQ 391% · GCBC 340% · VBNK 335%
    Multi-line Insurance 9 8.8%71.2%64.1% GNW 201% · L 112% · SLF 104%
    Financial Exchanges & Data 15 -0.1%17.4%32.7% VIRT 184% · CBOE 135% · CME 83%
    Diversified Financial Services 4 -7.3%22.1%32.6% FRHC 168% · EQH 119% · TMS -54%
    Consumer Finance 30 1.7%89.6%26.9% ENVA 447% · EZPW 319% · FCFS 168%
    Insurance Brokers 16 -15.1%-6.3%20.3% LIFE 200% · ARX 87% · AJG 70%
    Commercial & Residential Mortgage Finance 14 -50.2%32.8%13.9% FNMA 454% · FMCC 436% · ACT 204%
    Asset Management & Custody Banks 84 -11.7%17.6%12.0% WT 348% · SII 279% · VCTR 274%
    Specialized Finance 3 14.0%42.2%-2.8% EFC 27% · CACC -3% · HASI -16%
    Mortgage REITs 33 -13.0%7.4%-16.5% NREF 53% · RITM 42% · DX 34%
    Transaction & Payment Processing Services 15 -1.0%-5.9%-42.9% V 74% · MA 73% · CPAY 58%
    Diversified Capital Markets 20 -36.3%20.7%-48.1% OPY 196% · LPLA 136% · GOLD 90%
    Median of constituents with a full price history over each window. Top names are unfiltered by size in this render.

    Recent Active Movers

    Top Gainers

    TickerCompanyMkt Cap (B)1W RtnYTD Rtn
    SDGRSchrodinger2.252.6%62.3%
    PSPershing Square19.932.3%106.6%
    BBNXBeta Bionics1.032.1%-28.2%
    TEMTempus AI14.031.9%31.8%
    SECZSecuritize1.631.3%-11.7%
    TWSTTwist Bioscience10.431.3%426.5%
    EMATEvolution Metals & Technologies2.530.5%-81.1%
    GEMIGemini Space Station0.730.3%-41.4%
    RUMRumble2.626.8%43.8%
    ALMRAlamar Biosciences2.025.0%58.4%

    Top Losers

    TickerCompanyMkt Cap (B)1W RtnYTD Rtn
    ADBTAdvasa0.1-47.1%-98.0%
    SWMRSwarmer0.4-39.4%-22.6%
    ALHCAlignment Healthcare1.7-33.8%-57.7%
    XENEXenon Pharmaceuticals4.0-32.2%-11.3%
    FLNCFluence Energy1.0-26.3%-63.0%
    ENVAEnova International4.3-21.8%11.1%
    VYXNCR Voyix0.9-21.2%-33.9%
    ARWRArrowhead Pharmaceuticals9.5-19.8%0.1%
    DMRADamora Therapeutics1.4-19.6%-1.8%
    IONSIonis Pharmaceuticals7.4-18.0%-43.8%

    Top Gainers

    TickerCompanyMkt Cap (B)1M RtnYTD Rtn
    SECZSecuritize1.680.1%-11.7%
    FWDIForward Industries0.755.9%16.5%
    PURRHyperliquid Strategies1.750.1%295.8%
    GEMIGemini Space Station0.747.8%-41.4%
    MSTRStrategy54.347.6%1.3%
    SMTCSemtech17.247.6%151.1%
    CVICVR Energy5.446.3%112.4%
    SDGRSchrodinger2.246.2%62.3%
    EMATEvolution Metals & Technologies2.541.1%-81.1%
    ACVAACV Auctions1.840.3%30.7%

    Top Losers

    TickerCompanyMkt Cap (B)1M RtnYTD Rtn
    ALMSAlumis1.0-67.6%-20.4%
    IESCIES12.8-47.5%-17.2%
    SWMRSwarmer0.4-46.9%-22.6%
    RAREUltragenyx Pharmaceutical1.5-44.7%-36.9%
    TTANServiceTitan5.2-42.1%-48.3%
    FLNCFluence Energy1.0-39.4%-63.0%
    KRMNKarman4.7-38.6%-51.1%
    XENEXenon Pharmaceuticals4.0-36.2%-11.3%
    DYNDyne Therapeutics2.8-36.1%-12.5%
    DKSDick's Sporting Goods10.7-36.1%-37.5%

    More From Trefis

    Research & Analysis

    Invest in Strategies

    Wealth Management

    Peer Comparisons

    Peers to compare with:

    Financials

    OPHCSBCFBKUABCBFHNTFCMedian
    NameOptimumB.Seacoast.BankUnit.Ameris B.First Ho.Truist F. 
    Mkt Price9.3333.7044.7783.5023.9448.5639.23
    Mkt Cap0.23.23.25.611.459.54.4
    Rev LTM597331,1221,2293,42620,8501,175
    Op Inc LTM-------
    FCF LTM252073725221,0175,797447
    FCF 3Y Avg171913913891,2324,801390
    CFO LTM272183725491,0595,797460
    CFO 3Y Avg181983914091,2744,801400

    Growth & Margins

    OPHCSBCFBKUABCBFHNTFCMedian
    NameOptimumB.Seacoast.BankUnit.Ameris B.First Ho.Truist F. 
    Rev Chg LTM36.4%31.9%6.8%9.1%10.5%4.1%9.8%
    Rev Chg 3Y Avg38.0%11.5%3.6%5.2%1.2%8.8%7.0%
    Rev Chg Q42.3%37.5%3.9%8.8%6.7%5.6%7.8%
    QoQ Delta Rev Chg LTM9.5%8.4%1.0%2.1%1.6%1.4%1.9%
    Op Inc Chg LTM-------
    Op Inc Chg 3Y Avg-------
    Op Mgn LTM-------
    Op Mgn 3Y Avg-------
    QoQ Delta Op Mgn LTM-------
    CFO/Rev LTM45.4%29.8%33.1%44.6%30.9%27.8%32.0%
    CFO/Rev 3Y Avg37.1%33.3%37.6%35.4%39.9%27.9%36.2%
    FCF/Rev LTM43.3%28.2%33.1%42.5%29.7%27.8%31.4%
    FCF/Rev 3Y Avg34.7%32.1%37.6%33.7%38.5%27.9%34.2%

    Valuation

    OPHCSBCFBKUABCBFHNTFCMedian
    NameOptimumB.Seacoast.BankUnit.Ameris B.First Ho.Truist F. 
    Mkt Cap0.23.23.25.611.459.54.4
    P/S2.64.42.94.53.32.93.1
    P/Op Inc-------
    P/EBIT-------
    P/E7.520.011.714.810.810.211.2
    P/CFO5.814.98.610.210.710.310.2
    Total Yield13.3%7.4%11.5%7.7%12.0%14.2%11.8%
    Dividend Yield0.0%2.4%3.0%1.0%2.7%4.4%2.6%
    FCF Yield 3Y Avg25.4%7.8%14.9%8.2%12.4%8.5%10.5%
    D/E0.30.30.60.20.21.20.3
    Net D/E-0.7-1.3-2.4-0.3-0.50.4-0.6

    Returns

    OPHCSBCFBKUABCBFHNTFCMedian
    NameOptimumB.Seacoast.BankUnit.Ameris B.First Ho.Truist F. 
    1M Rtn0.3%-2.1%-3.4%-3.1%-2.1%-3.7%-2.6%
    3M Rtn59.5%9.9%-5.2%-4.5%-2.8%1.5%-0.7%
    6M Rtn82.9%16.2%4.1%12.6%11.1%12.2%12.4%
    12M Rtn121.6%11.5%18.2%11.1%6.5%10.1%11.3%
    3Y Rtn201.9%68.7%121.7%131.3%137.1%99.8%126.5%
    1M Excs Rtn-6.9%-2.7%-3.7%-3.0%-2.3%-4.0%-3.3%
    3M Excs Rtn57.5%7.9%-7.2%-6.5%-4.8%-0.5%-2.7%
    6M Excs Rtn61.6%0.9%-10.9%-3.4%-4.1%-2.9%-3.1%
    12M Excs Rtn111.1%-3.1%4.8%-2.1%-7.3%-4.3%-2.6%
    3Y Excs Rtn122.1%-8.8%34.5%53.2%61.9%25.4%43.8%

    Comparison Analyses

    null

    Financials

    $ Mil | FY: 12/312026Q22026Q12025Q42025Q32025Q22025Q12024Q42024Q32024Q22024Q12023Q42023Q3
    Period End6/30/20263/31/202612/31/20259/30/20256/30/20253/31/202512/31/20249/30/20246/30/20243/31/202412/31/20239/30/2023
    Filing Date8/10/20265/12/20262/26/202611/10/20258/8/20255/12/20252/26/202511/8/20248/5/20245/13/20243/8/202411/9/2023
    Key Financials Quarterly            
    Total Revenue171514131211101010987
    Net Income755444433231
    EPS0.400.390.420.370.310.330.370.340.360.310.350.18
    Key Financials TTM            
    Total Revenue TTM595449464341393734302724
    Net Income TTM201717161515131210865
    Growth Rates Quarterly            
    Total Revenue Growth42.3%40.6%32.0%29.3%21.5%18.5%25.9%47.6%56.2%55.3%51.5%36.6%
    Net Income Growth84.8%20.5%22.8%30.9%3.0%62.8%55.0%160.2%166.5%106.2%64.5%88.6%
    Margins Quarterly            
    Net Income Margin38.7%31.1%35.7%33.2%29.8%36.3%38.3%32.8%35.2%26.4%31.1%18.6%
    Cash & Debt            
    Total Cash146140115235182143116156128175101127
    Total Debt4243533313534247426412
    Net Debt / (Cash)-105-97-62-232-179-131-64-114-80-133-37-115
    Cash Flows Quarterly            
    FCF from Operations1087263643301
    Cash Flows TTM            
    FCF from Operations TTM272318171916161079710
    Returns to Shareholders Quarterly            
    Dividends000000000000
    Share Repurchases-00-0-0-0-0-0-0-0-0-0-0
    Return on Invested Capital (ROIC) Quarterly            
    ROIC582.5%169.3%41.9%---37.3%-84.3%-20.7%-
    Return on Invested Capital (ROIC) TTM            
    ROIC TTM448.4%158.3%36.0%---31.0%-58.4%-12.8%-

    Segment Financials

    Revenue by Segment
    $ Mil20252024202320222021
    Single Segment4939271911
    Total4939271911


    Price Behavior

    Price Behavior
    Market Price$9.33 
    Market Cap ($ Bil)0.2 
    First Trading Date06/23/2003 
    Distance from 52W High-7.6% 
       50 Days200 Days
    DMA Price$8.28$5.90
    DMA Trendupup
    Distance from DMA12.7%58.2%
     3M1YR
    Volatility59.8%37.5%
    Downside Capture-27.1615.26
    Upside Capture224.36106.11
    Correlation (SPY)21.3%18.6%
    OPHC Betas & Captures as of 8/31/2026

     1M2M3M6M1Y3Y
    Beta3.081.480.920.550.520.42
    Up Beta4.600.900.92-0.160.050.38
    Down Beta8.651.290.340.670.600.34
    Up Capture252%364%255%136%107%34%
    Bmk +ve Days10213268138427
    Stock +ve Days12243767131357
    Down Capture-44%-22%-12%26%28%57%
    Bmk -ve Days11213259113324
    Stock -ve Days9162352109314

    [1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
    Based On 1-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with OPHC
    OPHC127.7%37.3%2.26-
    Sector ETF (XLF)4.5%14.6%0.0815.7%
    Equity (SPY)16.9%12.9%0.9418.2%
    Gold (GLD)19.1%29.3%0.60-1.6%
    Commodities (DBC)46.3%20.6%1.73-15.5%
    Real Estate (VNQ)4.9%13.6%0.1011.5%
    Bitcoin (BTCUSD)-30.6%44.3%-0.707.2%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How
    Based On 5-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with OPHC
    OPHC9.6%39.9%0.34-
    Sector ETF (XLF)10.1%18.4%0.4118.0%
    Equity (SPY)12.9%17.2%0.5717.2%
    Gold (GLD)19.1%18.8%0.83-2.3%
    Commodities (DBC)11.2%19.5%0.453.1%
    Real Estate (VNQ)1.1%18.8%-0.0513.9%
    Bitcoin (BTCUSD)12.5%52.5%0.426.0%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How
    Based On 10-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with OPHC
    OPHC3.6%101.8%0.35-
    Sector ETF (XLF)12.9%22.1%0.534.5%
    Equity (SPY)15.1%18.0%0.725.8%
    Gold (GLD)12.1%16.4%0.61-0.4%
    Commodities (DBC)8.3%18.1%0.371.4%
    Real Estate (VNQ)4.4%20.7%0.185.0%
    Bitcoin (BTCUSD)62.6%66.2%1.025.7%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How

    Short Interest

    Short Interest: As Of Date8312026
    Short Interest: Shares Quantity0.0 Mil
    Short Interest: % Change Since 815202662.4%
    Average Daily Volume0.2 Mil
    Days-to-Cover Short Interest1
    Basic Shares Quantity16.5 Mil
    Short % of Basic Shares0.3%

    Earnings Returns History

    Updated 8/26/2026
    Expand for More
     Forward Returns
    Earnings Date1D Returns5D Returns21D Returns
    7/24/20265.4%17.9%55.5%
    4/24/20261.7%0.6%1.8%
    2/2/2026-0.1%6.2%12.1%
    11/12/2025-0.6%0.5%1.5%
    8/6/2025-11.0%-5.1%-7.0%
    5/6/2024-0.9%1.6%5.4%
    2/6/2024-2.0%-1.2%7.9%
    12/8/20231.7%5.2%23.4%
    ...
    SUMMARY STATS   
    # Positive477
    # Negative522
    Median Positive1.7%1.6%7.9%
    Median Negative-0.9%-3.1%-3.8%
    Max Positive5.4%17.9%55.5%
    Max Negative-11.0%-5.1%-7.0%
     Collapse to Preview
     Forward Returns
    Earnings Date1D Returns5D Returns21D Returns
    7/24/20265.4%17.9%55.5%
    4/24/20261.7%0.6%1.8%
    2/2/2026-0.1%6.2%12.1%
    11/12/2025-0.6%0.5%1.5%
    8/6/2025-11.0%-5.1%-7.0%
    5/6/2024-0.9%1.6%5.4%
    2/6/2024-2.0%-1.2%7.9%
    12/8/20231.7%5.2%23.4%
    10/6/20230.9%1.3%-0.6%
    SUMMARY STATS   
    # Positive477
    # Negative522
    Median Positive1.7%1.6%7.9%
    Median Negative-0.9%-3.1%-3.8%
    Max Positive5.4%17.9%55.5%
    Max Negative-11.0%-5.1%-7.0%

    SEC Filings

    Expand for More
    Report DateFiling DateFiling
    06/30/202608/10/202610-Q
    03/31/202605/12/202610-Q
    12/31/202502/26/202610-K
    09/30/202511/10/202510-Q
    06/30/202508/08/202510-Q
    03/31/202505/12/202510-Q
    12/31/202402/26/202510-K
    09/30/202411/08/202410-Q
    06/30/202408/05/202410-Q
    03/31/202405/13/202410-Q
    12/31/202303/08/202410-K
    09/30/202311/09/202310-Q
    06/30/202308/09/202310-Q
    03/31/202305/10/202310-Q
    12/31/202203/06/202310-K
    09/30/202211/10/202210-Q
     Collapse to Preview
    Report DateFiling DateFiling
    06/30/202608/10/202610-Q
    03/31/202605/12/202610-Q
    12/31/202502/26/202610-K
    09/30/202511/10/202510-Q
    06/30/202508/08/202510-Q
    03/31/202505/12/202510-Q
    12/31/202402/26/202510-K
    09/30/202411/08/202410-Q
    06/30/202408/05/202410-Q
    03/31/202405/13/202410-Q
    12/31/202303/08/202410-K
    09/30/202311/09/202310-Q
    06/30/202308/09/202310-Q
    03/31/202305/10/202310-Q
    12/31/202203/06/202310-K
    09/30/202211/10/202210-Q
    06/30/202208/08/202210-Q
    03/31/202205/11/202210-Q
    12/31/202103/08/202210-K
    09/30/202111/09/202110-Q
    06/30/202108/11/202110-Q
    03/31/202105/12/202110-Q
    12/31/202003/25/202110-K
    09/30/202011/12/202010-Q
    06/30/202008/11/202010-Q
    03/31/202005/14/202010-Q
    12/31/201903/25/202010-K
    09/30/201911/14/201910-Q

    Insider Activity

    Updated 4/26/2026
    Expand for More
    #OwnerTitleHoldingActionFiling DatePriceSharesTransacted
    Value    		Value of
    Held Shares    		Form
    1Terry, TimothyPEODirectSell20420264.7339,304  Form
    2Blisko, MichaelDirectSell120820254.097,60031,0842,472,998Form
    3Gubin, MoishePartnershipBuy61220254.532641,1963,598,940Form
    4Gubin, MoishePartnershipBuy61220254.553001,3653,613,628Form
    5Gubin, MoishePartnershipBuy61220254.537003,1713,596,385Form
     Collapse to Preview
    #OwnerTitleHoldingActionFiling DatePriceSharesTransacted
    Value    		Value of
    Held Shares    		Form
    1Terry, TimothyPEODirectSell20420264.7339,304  Form
    2Blisko, MichaelDirectSell120820254.097,60031,0842,472,998Form
    3Gubin, MoishePartnershipBuy61220254.532641,1963,598,940Form
    4Gubin, MoishePartnershipBuy61220254.553001,3653,613,628Form
    5Gubin, MoishePartnershipBuy61220254.537003,1713,596,385Form

    Industry Resources

    External Quote Links


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