Company research
OptimumBank Holdings, Inc.
CIK 1288855Updated Oct 6, 2026
SecurityOPHC · NYSE_AMERICAN · equity
OPHC price & chart
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OptimumBank Holdings, Inc. Reports Best Year in Company History; To Present Shareholder Deck Highlighting 21%+ Core ROAE at April 28, 2026 Annual Meeting ↗
NYSE Content Advisory: Pre-Market Update + Project Nemo named Money20/20 Grand Prix Winner News provided by New York Stock Exchange Oct 27, 2025, 08:55 ET Share this article Share to X Share this article Share to X NEW YORK , Oct. 27, 2025 /PRNewswire/ -- The New York Stock Exchange (NYSE) provides ↗
Seeking Alpha
Russell 2000 estimated to add 107 stocks in December rebalance - Stephens ↗
OptimumBank Holdings: Very Strong Growth, But Limited Margin Of Safety ↗
OptimumBank Holdings, Inc. 2026 Q2 - Results - Earnings Call Presentation ↗
SEC disclosures
OptimumBank Holdings, Inc. IPO declared effective by SEC ↗
Recent filings
Unregistered Sales of Equity Securities
Items 3.02, 9.01
Results of Operations and Financial Condition · Regulation FD Disclosure
Items 2.02, 7.01, 9.01
EFFECT filing
424B3 filing
DEL AM filing
Show 5 more recent filings
S-4 filing
Entry into a Material Definitive Agreement · Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement · Regulation FD Disclosure
Items 1.01, 2.03, 7.01, 9.01
Regulation FD Disclosure
Items 7.01, 9.01
10-Q filing
Results of Operations and Financial Condition · Regulation FD Disclosure
Items 2.02, 7.01, 9.01
Financials
FY 2025 · USDSource
Source
Source
balance sheet · annual statements
| Line item | Q3 2025 | Q3 2024 | Q2 2026 | Q2 2025 | Q2 2024 | Q1 2026 | Q1 2025 | Q1 2024 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ASSETS | ||||||||||||
| AssetsUSD | 1,083,043,000Source | 945,192,000Source | 1,400,937,000Source | 999,127,000Source | 899,778,000Source | 1,268,735,000Source | 977,468,000Source | 940,633,000Source | 1,111,678,000Source | 932,933,000Source | 791,254,000Source | 585,219,000Source |
| Property, Plant and Equipment, NetUSD | 2,308,000Source | 1,938,000Source | 3,132,000Source | 2,426,000Source | 1,877,000Source | 2,797,000Source | 2,249,000Source | 1,579,000Source | 2,490,000Source | 2,062,000Source | 1,375,000Source | 934,000Source |
| Operating Lease, Right-of-Use AssetUSD | 2,725,000Source | 1,950,000Source | 2,405,000Source | 2,552,000Source | 2,021,000Source | 2,511,000Source | 2,647,000Source | 2,091,000Source | 2,617,000Source | 2,679,000Source | 2,161,000Source | 2,119,000Source |
| LIABILITIES AND EQUITY | ||||||||||||
| LiabilitiesUSD | 966,155,000Source | 852,497,000Source | 1,266,557,000Source | 887,779,000Source | 812,807,000Source | 1,141,887,000Source | 869,465,000Source | 857,589,000Source | 989,781,000Source | 829,749,000Source | 721,247,000Source | 522,639,000Source |
| Stockholders’ equity: | ||||||||||||
| Common Stock, Value, IssuedUSD | 119,000Source | 99,000Source | 124,000Source | 118,000Source | 96,000Source | 122,000Source | 118,000Source | 96,000Source | 115,000Source | 116,000Source | 72,000Source | 71,000Source |
| Additional Paid in CapitalUSD | 112,574,000Source | 103,878,000Source | 113,832,000Source | 112,010,000Source | 102,424,000Source | 112,993,000Source | 112,015,000Source | 102,239,000Source | 112,578,000Source | 111,485,000Source | 91,221,000Source | 90,408,000Source |
| Retained Earnings (Accumulated Deficit)USD | 8,948,000Source | -6,796,000Source | 25,119,000Source | 4,625,000Source | -10,098,000Source | 18,464,000Source | 1,023,000Source | -13,594,000Source | 13,801,000Source | -2,847,000Source | -15,971,000Source | -22,073,000Source |
| Accumulated Other Comprehensive Income (Loss), Net of TaxUSD | -4,753,000Source | -4,486,000Source | -4,810,000Source | -5,405,000Source | -5,451,000Source | -4,731,000Source | -5,153,000Source | -5,697,000Source | -4,597,000Source | -5,570,000Source | -5,315,000Source | -5,826,000Source |
| Stockholders' Equity Attributable to ParentUSD | 116,888,000Source | 92,695,000Source | 134,380,000Source | 111,348,000Source | 86,971,000Source | 126,848,000Source | 108,003,000Source | 83,044,000Source | 121,897,000Source | 103,184,000Source | 70,007,000Source | 62,580,000Source |
| Liabilities and EquityUSD | 1,083,043,000Source | 945,192,000Source | 1,400,937,000Source | 999,127,000Source | 899,778,000Source | 1,268,735,000Source | 977,468,000Source | 940,633,000Source | 1,111,678,000Source | 932,933,000Source | 791,254,000Source | 585,219,000Source |
cash flow · annual statements
| Line item | Q4 2025 | Q4 2024 | Q3 2025 | Q3 2024 | Q2 2026 | Q2 2025 | Q1 2026 | Q1 2025 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash flows from operating activities: | ||||||||||||
| Adjustments to reconcile net income to net cash provided by operating activities: | ||||||||||||
| Share-based Payment Arrangement, Noncash ExpenseUSD | — | — | — | — | — | — | 431,000Source | 296,000Source | 875,000Source | 490,000Source | 490,000Source | 372,000Source |
| Deferred Income Tax Expense (Benefit)USD | — | — | — | — | — | — | 39,000Source | 81,000Source | -462,000Source | 10,000Source | 821,000Source | 1,369,000Source |
| Net Cash Provided by (Used in) Operating ActivitiesUSD | — | — | — | — | — | — | 7,870,000Source | 3,135,000Source | 17,841,000Source | 15,605,000Source | 6,882,000Source | 10,360,000Source |
| Cash flows from investing activities: | ||||||||||||
| Net Cash Provided by (Used in) Investing ActivitiesUSD | — | — | — | — | — | — | -133,537,000Source | 5,716,000Source | -156,684,000Source | -125,470,000Source | -199,661,000Source | -229,802,000Source |
| Payments to Acquire Property, Plant, and EquipmentUSD | — | — | — | — | — | — | 439,000Source | 283,000Source | 896,000Source | 988,000Source | 668,000Source | 322,000Source |
| Cash flows from financing activities: | ||||||||||||
| Net Cash Provided by (Used in) Financing ActivitiesUSD | — | — | — | — | — | — | 151,124,000Source | 40,975,000Source | 159,772,000Source | 126,832,000Source | 197,606,000Source | 232,308,000Source |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate EffectUSD | — | — | — | — | — | — | 25,457,000Source | 49,826,000Source | 20,929,000Source | 16,967,000Source | 4,827,000Source | 12,866,000Source |
| Supplemental disclosure of cash flow information: | ||||||||||||
| Interest Paid, Excluding Capitalized Interest, Operating ActivitiesUSD | — | — | — | — | — | — | 5,108,000Source | 4,796,000Source | 21,728,000Source | 26,431,000Source | 11,799,000Source | 3,929,000Source |
| Income Taxes Paid, NetUSD | — | — | — | — | — | — | — | 479,000Source | 6,858,000Source | 2,235,000Source | 1,070,000Source | — |
| Additional Financial Items | ||||||||||||
| Amortization of Debt Issuance Costs and DiscountsUSD | — | — | — | — | — | — | -65,000Source | 1,000Source | -168,000Source | -59,000Source | -4,000Source | -271,000Source |
| Depreciation, Amortization and Accretion, NetUSD | — | — | — | — | — | — | 132,000Source | 96,000Source | 468,000Source | 301,000Source | 227,000Source | 231,000Source |
| Income Tax Expense (Benefit)USD | — | — | 1,340,000Source | 1,133,000Source | 2,183,000Source | 1,253,000Source | 1,535,000Source | 1,326,000Source | 5,523,000Source | 4,507,000Source | 2,174,000Source | 1,369,000Source |
| Inventory Write-downUSD | — | — | — | — | — | — | — | — | 54,000Source | — | — | — |
| Net Income (Loss) Attributable to ParentUSD | — | — | 4,323,000Source | 3,302,000Source | 6,655,000Source | 3,602,000Source | 4,663,000Source | 3,870,000Source | 16,648,000Source | 13,124,000Source | 6,283,000Source | 4,023,000Source |
| Other Interest and Dividend IncomeUSD | — | — | 2,086,000Source | 1,583,000Source | 1,134,000Source | 1,404,000Source | 1,148,000Source | 1,246,000Source | 6,573,000Source | 6,926,000Source | 3,335,000Source | 1,281,000Source |
| Proceeds from Issuance of Common StockUSD | — | — | — | — | — | — | -8,000Source | 236,000Source | 217,000Source | 17,886,000Source | 324,000Source | 15,000,000Source |
| Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-saleUSD | — | — | — | — | — | — | 278,000Source | 261,000Source | 1,236,000Source | 1,220,000Source | 1,430,000Source | — |
| Provision for Loan, Lease, and Other LossesUSD | — | — | 639,000Source | 409,000Source | -30,000Source | 1,043,000Source | 791,000Source | -144,000Source | 1,927,000Source | 2,372,000Source | — | — |
| Financing Receivable, Credit Loss, Expense (Reversal)USD | — | — | — | — | — | — | 770,000Source | -165,000Source | 2,036,000Source | 2,222,000Source | 4,047,000Source | — |
income statement · annual statements
| Line item | Q4 2025 | Q4 2024 | Q3 2025 | Q3 2024 | Q2 2026 | Q2 2025 | Q1 2026 | Q1 2025 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling InterestUSD | — | — | 5,663,000Source | 4,435,000Source | 8,838,000Source | 4,855,000Source | 6,198,000Source | 5,196,000Source | 22,171,000Source | 17,631,000Source | 8,457,000Source | 5,392,000Source |
| Income Tax Expense (Benefit)USD | — | — | 1,340,000Source | 1,133,000Source | 2,183,000Source | 1,253,000Source | 1,535,000Source | 1,326,000Source | 5,523,000Source | 4,507,000Source | 2,174,000Source | 1,369,000Source |
| Net Income (Loss) Attributable to ParentUSD | — | — | 4,323,000Source | 3,302,000Source | 6,655,000Source | 3,602,000Source | 4,663,000Source | 3,870,000Source | 16,648,000Source | 13,124,000Source | 6,283,000Source | 4,023,000Source |
| Earnings Per Share, BasicUSD per share | — | — | 0.37Source | 0.34Source | 0.4Source | 0.31Source | 0.39Source | 0.33Source | 1.42Source | 1.39Source | 0.87Source | 0.68Source |
| Earnings Per Share, DilutedUSD per share | — | — | 0.18Source | 0.15Source | 0.28Source | 0.15Source | 0.2Source | 0.17Source | 0.71Source | 1.33Source | 0.87Source | — |
| Weighted Average Number of Shares Outstanding, Basicshares | — | — | 11,772,744Source | 9,763,319Source | — | 11,751,082Source | 11,974,503Source | 11,704,610Source | 11,697,065Source | 9,445,535,000Source | 7,238,680Source | 5,954,847Source |
| Weighted Average Number of Shares Outstanding, Dilutedshares | — | — | 23,412,274Source | 21,402,849Source | 23,694,537Source | 23,390,612Source | 23,592,208Source | 23,344,140Source | 11,697,065Source | 9,844,792,000Source | 7,238,680Source | — |
| Additional Financial Items | ||||||||||||
| Current Income Tax Expense (Benefit)USD | — | — | — | — | — | — | — | — | 5,985,000Source | 4,497,000Source | 1,353,000Source | — |
| Interest ExpenseUSD | — | — | — | — | — | — | — | — | — | — | 12,067,000Source | 4,046,000Source |
| InterestExpenseOperatingUSD | — | — | 5,273,000Source | 6,372,000Source | 7,027,000Source | 5,346,000Source | 6,263,000Source | 5,581,000Source | 21,767,000Source | 24,939,000Source | — | — |
| Interest Income (Expense), NetUSD | — | — | 11,048,000Source | 8,962,000Source | 14,697,000Source | 10,242,000Source | 13,190,000Source | 9,426,000Source | 42,587,000Source | 34,690,000Source | 23,713,000Source | 15,836,000Source |
| Labor and Related ExpenseUSD | — | — | 4,004,000Source | 3,078,000Source | 5,279,000Source | 3,738,000Source | 4,988,000Source | 3,381,000Source | 14,795,000Source | 11,103,000Source | 8,261,000Source | 5,449,000Source |
| Other Interest and Dividend IncomeUSD | — | — | 2,086,000Source | 1,583,000Source | 1,134,000Source | 1,404,000Source | 1,148,000Source | 1,246,000Source | 6,573,000Source | 6,926,000Source | 3,335,000Source | 1,281,000Source |
Offerings
Registration 333-298860
Filing attachments
ex99-1.htm · 8-K · 2026-11-12
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 Florida-chartered commercial bank, OptimumHUD Loans, LLC (d/b/a OptimumFunding, LLC), a wholly owned non-bank Bridge and HUD-lender and OptimumFinance, LLC, a non-bank, wholly owned financing subsidiary. The Company is plea…
Read attachment ↗ex107.htm · S-4 · 2026-09-10
Calculation of Filing Fee Tables S-4 OptimumBank Holdings, Inc. ──────────────────────────────────── Table 1: Newly Registered and Carry Forward Securities ☐Not Applicable ─────────────────────────────────────────────────────────────────────────────── Security Type Security Class Title Fee Calculation or Carry Forward Rule Amount Registered Proposed Maximum Offering Price Per Unit Maxim…
Read attachment ↗ex99-1.htm · S-4 · 2026-09-10
Exhibit 99.1 LETTER OF TRANSMITTAL to Tender for Exchange Any and All Unregistered Outstanding 7.50% Fixed-to-Floating Rate Subordinated Notes due 2036 in Exchange for Registered 7.50% Fixed-to-Floating Rate Subordinated Notes due 2036 of OPTIMUMBANK HOLDINGS, INC. Pursuant to the Prospectus Dated [ ], 2026 The Exchange Offer will expire at 5:00 p.m., New York City time, on [ ], 2026, unless extended (the “Expiration Date”). Old Notes (defined below) tendered in the Exchange Offer may …
Read attachment ↗ex4-1.htm · 8-K · 2026-08-19
EX-4.1 2 ex4-1.htm EX-4.1 Exhibit 4.1 OPTIMUMBANK HOLDINGS, INC. As Issuer, and UMB BANK, NATIONAL ASSOCIATION As Trustee INDENTURE Dated as of August 19, 2026 7.50% Fixed-to-Floating Rate Subordinated Notes due 2036 TABLE OF CONTENTS ARTICLE 1 I DEFINITIONS AND INCORPORATION BY REFERENCE ───────────────────────────────────────────────────────────────────────────────────────────────…
Read attachment ↗