OPHC
OptimumBank Holdings, Inc.Company Information
- Company Name
- OptimumBank Holdings, Inc.
- CIK
- CIK0001288855
- Category
- Non-accelerated filer<br>Smaller reporting company
- Ticker: Exchange
- OPHC: NYSE
- Fiscal Year End
- December 31
- Owner Organization
- 02 Finance
- SIC
- 6021
- SIC Description
- National Commercial Banks
- Ticker
- OPHC
SEC filing data through
Insider Sentiment
- Last purchase
- 2025-12-04
- Last sale
- 2026-02-02
- Shares purchased (TTM)
- 7,864
- Shares sold (TTM)
- 46,904
Institutional Sentiment
- As of
- 2026-06-30
- Institutional shares owned
- 2,360,141
- Shares outstanding
- 11,974,503
- Ownership
- 19.71%
Earnings Market Reaction
- Filing date
- 2026-08-10
- Price on filing date
- —
- 1-month reaction
- 0.67%
- 3-month reaction
- …
Balance Sheet
Values in millions ($)| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Trend |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash And Due From Banks | 15 | 15 | 9 | 9 | 9 | 14 | 14 | 15 | 12 | 14 | 14 | 10 | ||||||
| Interest Bearing Deposits In Banks | 132 | 125 | 105 | 226 | 173 | 130 | 80 | 116 | 92 | 137 | 63 | 94 | ||||||
| Cash Cash Equivalents And Federal Funds Sold | 146 | 140 | 115 | 235 | 182 | 143 | 94 | 132 | 104 | 151 | 77 | 104 | ||||||
| Available For Sale Securities Debt Securities | 27 | 27 | 25 | 23 | 22 | 23 | 23 | 24 | 24 | 24 | 24 | 23 | ||||||
| Held To Maturity Securities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | ||||||
| Loans And Leases Receivable Net Reported Amount | - | - | - | - | - | - | - | - | - | - | - | 574 | ||||||
| Notes Receivable Net | 1,204 | 1,079 | 947 | 803 | 775 | 791 | 795 | 769 | 752 | 746 | 671 | - | ||||||
Assets | ||||||||||||||||||
| Assets | 1,401 | 1,269 | 1,112 | 1,083 | 999 | 977 | 933 | 945 | 900 | 941 | 791 | 713 | ||||||
| Federal Home Loan Bank Stock | 2 | 3 | 3 | 1 | 1 | 1 | 3 | 2 | 3 | 2 | 3 | 1 | ||||||
| Property Plant And Equipment Net | 3 | 3 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 1 | 1 | ||||||
| Operating Lease Right Of Use Asset | 2 | 3 | 3 | 3 | 3 | 3 | 3 | 2 | 2 | 2 | 2 | 2 | ||||||
| Interest Receivable | 5 | 4 | 4 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 2 | 2 | ||||||
| Deferred Income Tax Assets Net | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | ||||||
| Other Assets | 8 | 8 | 9 | 10 | 8 | 7 | 7 | 8 | 7 | 7 | 7 | 3 | ||||||
Liabilities And Stockholders Equity | ||||||||||||||||||
| Noninterest Bearing Deposit Liabilities | 319 | 305 | 267 | 314 | 260 | 236 | 212 | 202 | 231 | 218 | 195 | 212 | ||||||
| Deposits Money Market Deposits And Negotiable Order Of Withdrawal N O W | 383 | 345 | 307 | 309 | 301 | 290 | 278 | 318 | 300 | 319 | 323 | 253 | ||||||
| Time Deposits | 511 | 443 | 358 | 336 | 318 | 327 | 282 | 286 | 231 | 262 | 122 | 153 | ||||||
| Deposits | 1,214 | 1,093 | 932 | 959 | 879 | 853 | 772 | 807 | 763 | 798 | 640 | 618 | ||||||
Liabilities | ||||||||||||||||||
| Liabilities | 1,267 | 1,142 | 990 | 966 | 888 | 869 | 830 | 852 | 813 | 858 | 721 | 647 | ||||||
| Federal Home Loan Bank Advances Long Term | 25 | 40 | 50 | - | - | 10 | 50 | 40 | 45 | 40 | 62 | 10 | ||||||
| Operating Lease Liability | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 2 | 2 | 2 | 2 | 2 | ||||||
| Other Borrowings | 14 | - | - | - | - | - | - | - | - | - | - | - | ||||||
| Other Liabilities | 11 | 6 | 5 | 4 | 6 | 4 | 5 | 4 | 3 | 4 | 4 | 3 | ||||||
| Common Stock Value | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | ||||||
| Additional Paid In Capital | 114 | 113 | 113 | 113 | 112 | 112 | 111 | 104 | 102 | 102 | 91 | 91 | ||||||
Stockholders Equity | ||||||||||||||||||
| Stockholders Equity | 134 | 127 | 122 | 117 | 111 | 108 | 103 | 93 | 87 | 83 | 70 | 66 | ||||||
| Retained Earnings Accumulated Deficit | 25 | 18 | 14 | 9 | 5 | 1 | -3 | -7 | -10 | -14 | -16 | -19 | ||||||
| Accumulated Other Comprehensive Income Loss Net Of Tax | -5 | -5 | -5 | -5 | -5 | -5 | -6 | -4 | -5 | -6 | -5 | -7 | ||||||
| Liabilities And Stockholders Equity | 1,401 | 1,269 | 1,112 | 1,083 | 999 | 977 | 933 | 945 | 900 | 941 | 791 | 713 | ||||||
| Held To Maturity Securities Debt Maturities Single Maturity Date Fair Value | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | ||||||
| Loans And Leases Receivable Allowance | - | - | - | - | - | - | - | - | - | - | - | 7 | ||||||
| Financing Receivable Allowance For Credit Losses | 11 | 11 | 10 | 10 | 9 | 8 | 9 | 8 | 8 | 8 | 8 | 7 | ||||||
| Preferred Stock No Par Value | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | ||||||
| Preferred Stock Shares Authorized | 0 | 6 | 6 | 6 | 6 | 6 | 6 | 6 | 6 | 6 | 6 | 6 | ||||||
| Common Stock Par Or Stated Value Per Share | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | ||||||
| Common Stock Shares Authorized | 30 | 30 | 30 | 30 | 30 | 30 | 30 | 30 | 30 | 30 | 30 | 30 | ||||||
| Common Stock Shares Issued | 12 | 12 | 12 | 12 | 12 | 12 | 12 | 10 | 10 | 10 | 7 | 7 | ||||||
| Shares Outstanding | 12 | 12 | 12 | 12 | 12 | 12 | 12 | 10 | 10 | 10 | 7 | 7 | ||||||
Select a line item above to chart it.
Recent filings
- 10-QFiled
- 10-QFiled
- 10-KFiled
- 10-QFiled
- 10-QFiled
- 10-QFiled
- 10-KFiled
- 10-QFiled
- 10-QFiled
- 10-QFiled
- 10-KFiled
- 10-QFiled
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Start 7-day free trialOptimumBank Holdings, Inc. (OPHC) — SEC Financial Statements & Analysis
OptimumBank Holdings, Inc. (OPHC) is a national commercial banks company, incorporated in FL. OptimumBank Holdings, Inc. trades on NYSE as: OPHC. OptimumBank Holdings, Inc. (OPHC)'s most recent SEC filing is a Form 10-Q for the period ended 2026-06-30, filed with the SEC on 2026-08-10. Based on that filing, OptimumBank Holdings, Inc. carries a market cap of $72.07M, a P/E ratio of 3.52x, a P/B ratio of 0.54x, a P/S ratio of 0.96x, an enterprise value of $57.43M, and an EV/EBITDA multiple of -2.48x. On profitability, it posts a gross margin of 67.80%, an operating margin of 36.24%, a net margin of 27.35%, a Return on Equity (ROE) of 16.68%, and a Return on Invested Capital (ROIC) of -15.87%. Per share, it reports EPS of $1.66, diluted EPS of $0.86, free cash flow per share of $2.06, and a dividend per share of $0.00. Over the trailing year, it posted revenue growth of 21.71% year-over-year, net income growth of 39.20% year-over-year, and EPS growth of 32.55% year-over-year. On the balance sheet, it maintains an interest coverage ratio of -0.47x, free cash flow of $25.47M (TTM), and net debt of $-14.64M. Figures sourced from SEC EDGAR.
- Market Cap
- $72.07M
- P/E TTM
- 3.52x
- EPS TTM
- $1.66
- P/B TTM
- 0.54x
- ROE TTM
- 16.68%
- Free Cash Flow TTM
- $25.47M
- Net Revenue TTM Growth 1Y
- 21.71%
Data as of 2026-06-30 · Source: SEC EDGAR
Frequently Asked Questions
What industry is OptimumBank Holdings, Inc. in?
OptimumBank Holdings, Inc. (OPHC) operates in the National Commercial Banks industry.
What exchange does OPHC trade on?
OptimumBank Holdings, Inc. (OPHC) trades on the NYSE.
Where is OptimumBank Holdings, Inc. incorporated?
OptimumBank Holdings, Inc. is incorporated in FL.
When was OptimumBank Holdings, Inc. (OPHC)'s most recent SEC filing?
OptimumBank Holdings, Inc. (OPHC)'s most recent SEC filing is a Form 10-Q for the period ended 2026-06-30, filed with the SEC on 2026-08-10.
What is OPHC's market cap?
OptimumBank Holdings, Inc. (OPHC) has a market capitalization of $72.07M as of 2026-06-30.
What is OPHC's P/E ratio?
OptimumBank Holdings, Inc. (OPHC)'s trailing twelve month P/E ratio is 3.52x as of 2026-06-30.
What is OPHC's EPS (earnings per share)?
OptimumBank Holdings, Inc. (OPHC)'s trailing twelve month EPS is $1.66 as of 2026-06-30.
What is OPHC's ROE (return on equity)?
OptimumBank Holdings, Inc. (OPHC)'s trailing twelve month Return on Equity (ROE) is 16.68% as of 2026-06-30.
What is OPHC's ROIC (return on invested capital)?
OptimumBank Holdings, Inc. (OPHC)'s trailing twelve month Return on Invested Capital (ROIC) is -15.87% as of 2026-06-30.
What is OPHC's EV/EBITDA?
OptimumBank Holdings, Inc. (OPHC)'s trailing twelve month EV/EBITDA is -2.48x as of 2026-06-30.