OPHC
OptimumBank Holdings, Inc.4.2000
+0.0100+0.24%
Dec 16, 4:00:00 PM EST
Earnings Call Transcripts
This Quarter (Q1 '26)
No earnings call transcript available yet
Last Quarter (Q4 '25)
No earnings call transcript available
Key Stats
Market Cap
48.44MP/E (TTM)
3.07Basic EPS (TTM)
1.37Dividend Yield
0%Recent Filings
10-K
FY2025 results
OptimumBank Holdings crushed FY2025 with $16.6M net income, up 26.9% y/y, fueled by net interest income jumping 22.8% to $42.6M as loans swelled 19.2% to $958.8M—driven by $180.8M commercial real estate growth—while deposits climbed 20.6% to $931.8M. Nonperforming loans plunged to 0.3% from 0.9%, slashing credit loss expense 8.4%; noninterest income doubled on fees. Loans grew steadily, peaking late-year on South Florida relationships. Equity hit $121.9M at 11.39% Tier 1 leverage. Bank paid $500K dividend to parent. Interest rate shifts crushed securities values.
8-K
Forms HUD/FHA lending subsidiary
OptimumBank Holdings formed wholly-owned subsidiary OptimumFunding on February 23, 2026, to launch a HUD and FHA lending platform. It targets bridge-to-HUD financing and government-insured originations for healthcare and multifamily properties, extending the bank's expertise in skilled nursing and commercial real estate. This complements core operations. New revenue from insured lending expected.
8-K
Record 2025 earnings, loans soar
OptimumBank Holdings crushed 2025 with record net earnings of $16.65 million, up from $13.12 million in 2024, fueled by $7.90 million higher net interest income and robust loan growth to $958.79 million. Assets hit $1.11 billion while deposits dipped quarterly to $931.75 million on seasonality, yet NIM expanded to 4.39%. Loans exploded 17.83% in Q4. New subsidiary eyes 2026 rollout.
8-K
Preferred-to-common stock exchange
OptimumBank Holdings exchanged 65 shares of Series B Convertible Preferred Stock held by Michael Blisko for 531,178 newly issued common shares on January 27, 2026. The transaction, under an Exchange Agreement, relied on Section 3(a)(9) exemption from registration. Deal closed instantly. No financial impact or strategic rationale disclosed.
8-K
2025 unaudited results released
OptimumBank Holdings released a presentation on January 20, 2026, detailing its unaudited 2025 year-end results of operations and financial condition. The disclosure under Items 2.02 and 7.01 provides investors key insights via Exhibit 99.1. No specific figures disclosed in the 8-K. Information not deemed 'filed' under the Exchange Act.
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