- **OptimumBank Holdings Inc. (OPHC)** Chairman Moishe Gubin was featured on The GotStocks Podcast to discuss the company's performance and strategy.  **[1288855_6a94493db1124586af5f2d36b1039ee0_0]** 
- The bank recently exceeded **$1 billion in total assets** and has achieved **30-40% growth** annually over the past 5-6 years, with expectations for continued growth.  **[1288855_6a94493db1124586af5f2d36b1039ee0_0]** 
- OptimumBank currently earns **$20 to $25 million in net income** per year, which, at a 10% capital rate, allows for approximately **$200 million in annual growth**.  **[1288855_6a94493db1124586af5f2d36b1039ee0_0]** 
- The company has **no debt** on its balance sheet, providing opportunities to raise equity or debt to support balance sheet expansion.  **[1288855_6a94493db1124586af5f2d36b1039ee0_0]** 
- OptimumBank maintains a community-focused, relationship-first approach, primarily lending to local borrowers in Florida, and has not experienced a bad loan in many years.  **[1288855_6a94493db1124586af5f2d36b1039ee0_0]**

OptimumBank Holdings Chairman Discusses Growth and Financial Strategy

- OptimumBank Holdings, Inc. adopted amendments to its articles of incorporation, effective **October 1, 2025**, to amend and restate the terms of its Series B preferred stock.  **[1288855_0001493152-25-016528_form8-k.htm:1]** **[1288855_0001493152-25-016528_ex3-1.htm:5]** 
- This amendment will result in the Series B preferred stock being included in the Company’s **diluted common shares** and in all related financial disclosures, such as **diluted earnings per share**.  **[1288855_0001493152-25-016528_form8-k.htm:1]** 
- Each of the **1,360** shares of Series B Preferred Stock will convert into **8,171.9772 shares of Common Stock**, subject to adjustment.  **[1288855_0001493152-25-016528_ex3-1.htm:0]** **[1288855_0001493152-25-016528_ex3-1.htm:3]**

OptimumBank Holdings (OPHC)