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OPHC

OptimumBank Holdings, Inc.

OPHC

OptimumBank Holdings, Inc. • NASDAQ
$4.17 ▼ -0.24% (-0.01)
Market Cap $48.10 M
52w High $5.15
52w Low $3.53
Dividend Yield 0%
P/E 3.04
Volume 25.94K
Outstanding Shares 11.53M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $18.303M ▲ $6.604M ▲ $4.323M ▲ 23.619% ▲ $0.37 ▲ $5.233M ▼
Q2-2025 $17.422M ▲ $6.181M ▲ $3.602M ▼ 20.675% ▼ $0.31 ▼ $5.729M ▲
Q1-2025 $16.238M ▼ $5.626M ▲ $3.87M ▼ 23.833% ▲ $0.33 ▼ $5.324M ▼
Q4-2024 $16.711M ▲ $4.382M ▼ $3.951M ▲ 23.643% ▲ $0.38 ▲ $5.492M ▲
Q3-2024 $16.449M $5.285M $3.302M 20.074% $0.34 $3.46M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $235.086M ▲ $1.083B ▲ $966.155M ▲ $116.888M ▲
Q2-2025 $181.754M ▲ $999.127M ▲ $887.779M ▲ $111.348M ▲
Q1-2025 $143.456M ▲ $977.468M ▲ $869.465M ▲ $108.003M ▲
Q4-2024 $116.403M ▼ $932.933M ▼ $829.749M ▼ $103.184M ▲
Q3-2024 $156.094M $945.192M $852.497M $92.695M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $4.323M ▲ $1.915M ▼ $-29.191M ▼ $80.608M ▲ $53.332M ▲ $1.909M ▼
Q2-2025 $3.602M ▼ $6.157M ▲ $16.215M ▲ $15.926M ▼ $38.298M ▼ $6.44M ▲
Q1-2025 $3.87M ▼ $3.135M ▼ $5.716M ▲ $40.975M ▲ $49.826M ▲ $2.852M ▼
Q4-2024 $3.951M ▲ $5.957M ▲ $-27.241M ▼ $-16.685M ▼ $-37.969M ▼ $5.739M ▲
Q3-2024 $3.3M $4.008M $-16.782M $40.317M $27.543M $3.856M

Five-Year Company Overview

Income Statement

Income Statement OptimumBank’s income statement shows a small but steadily growing franchise. Revenue and operating profit have climbed over the past five years, and the bank has moved from roughly break-even results to consistent profitability. Earnings have been positive in most recent years, though per‑share results have bounced around, likely influenced by changes in the share count and past reverse splits. Overall, the trend is toward stronger, more stable profit generation, but with the kind of variability you would expect from a smaller, growth‑focused community bank.

Balance Sheet

Balance Sheet The balance sheet has expanded meaningfully, with total assets and equity both increasing over time. Cash levels have improved, while funding and borrowings have also risen to support growth in loans and other assets. The bank appears to be building its capital base alongside its expansion, which is important for a growing lender. As a relatively small regional bank, though, it remains more exposed to local economic conditions and concentration risks than a diversified national institution.

Cash Flow

Cash Flow Cash generation from the core business has strengthened in recent years, turning from roughly flat to consistently positive operating cash flow. Free cash flow has also been positive, helped by limited capital spending needs, which is typical for a bank that relies more on technology and people than on heavy physical assets. This pattern suggests that earnings are increasingly backed by real cash, not just accounting profits. Still, as the bank grows, cash flows can become more sensitive to credit conditions and funding costs.

Competitive Edge

Competitive Edge OptimumBank competes as a niche community bank in South Florida with a clear focus on relationship banking and specialized commercial lending. Its strengths include deep local market knowledge, direct access to decision‑makers for clients, and a strong presence in commercial real estate, multifamily, construction, and SBA lending. Earning preferred SBA lender status relatively quickly highlights operational competence and credibility with regulators. On the other hand, its small size, geographic concentration, and reliance on a specific region and asset classes make it more vulnerable to local downturns and sector‑specific shocks than larger, more diversified banks.

Innovation and R&D

Innovation and R&D The bank is investing meaningfully in technology, highlighted by the planned rollout of a modern, API‑based core banking system. This should enable more efficient operations, better digital experiences, and easier partnerships with fintech firms, potentially opening new revenue streams. Management is also exploring expansions such as factoring and mortgage businesses, which could broaden the bank’s product mix if executed well. The main risks are execution and integration: technology projects can run over budget or underdeliver, and entering new lending niches adds complexity and credit‑risk uncertainty.

Summary

Overall, OptimumBank looks like a growing, higher‑performing community bank that has successfully shifted from survival and cleanup mode to an expansion phase. Profitability, balance sheet strength, and cash generation have all improved, while the bank has kept a tight focus on local relationships and specialized lending. Its planned technology upgrade and potential new business lines offer meaningful upside in capability and scale. At the same time, its small size, regional concentration, and ambitious growth targets create higher sensitivity to economic cycles, credit quality, and execution missteps. Observers may want to watch how the bank manages loan quality, funding costs, and the rollout of its new core system as its next chapters unfold.

NEWS

November 12, 2025 · 5:00 PM UTC

OptimumBank Holdings, Inc. Financial Performance for the Third Quarter of 2025

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October 24, 2025 · 8:30 AM UTC

OptimumBank to Ring the Opening Bell at the New York Stock Exchange in Celebration of 25 Years of Growth and Community Banking

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October 21, 2025 · 8:00 AM UTC

IBN Announces Latest Episode of The GotStocks Podcast featuring Moishe Gubin, Chairman of OptimumBank Holdings Inc.

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October 15, 2025 · 9:00 AM UTC

OptimumBank to Present at the LD Micro Main Event XIX

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September 16, 2025 · 8:30 AM UTC

IBN Initiates Coverage of OptimumBank Holdings Inc.

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