Security
OptimumBank Holdings, Inc. · OPHC
OPHCNYSE_AMERICANCommon stockCurrentCIK 1288855Updated Oct 6, 2026
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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 ↗
Recent filings
EFFECT filing
424B3 filing
DEL AM filing
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
Show 5 more recent filings
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
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 ↗ex99-1.htm · 8-K · 2026-08-13
EX-99.1 2 ex99-1.htm EX-99.1 Exhibit 99.1 OptimumBank Holdings, Inc. - Q2 2026 Earnings Webcast Script Seth Denison Slide 1 Good afternoon, everyone, and thank you for joining us today for OptimumBank Holdings, Inc.’s Second Quarter 2026 Earnings Webcast. The second quarter represents another milestone in the evolution of OptimumBank. During the quarter, we continued to build upon the momentum established over the past several years, delivering record quarterly earnings while surpassing…
Read attachment ↗ex99-1.htm · 8-K · 2026-07-24
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 OptimumBank (the “Bank”), a Florida-chartered commercial bank, OptimumHUD Loans, LLC (d/b/a as OptimumFunding, LLC), a wholly owned non-bank Bridge and HUD-lender and OptimumFinance, LLC, a non-bank, wholly owned financing…
Read attachment ↗