OptimumBank Holdings (OPHC) Company Report

OptimumBank Holdings, Inc. announced net earnings of $4.32 million, or $0.18 per diluted share, for the third quarter of 2025, an increase from $3.60 million in the second quarter of 2025 and $3.30 million in the comparable quarter last year.
For the nine-month period ended September 30, 2025, net earnings were $11.80 million, or $0.50 per diluted share, compared to $9.17 million for the same period in 2024.
Total deposits grew by $80.62 million from June 30, 2025, reaching $959.49 million at September 30, 2025, representing a 9.17% increase from the prior quarter.
Total assets grew by $83.92 million to $1.08 billion as of September 30, 2025, from $999.13 million at June 30, 2025.
Net interest income increased to $11.05 million in the third quarter of 2025, up from $10.24 million in the second quarter of 2025, and the net interest margin expanded to 4.37%.

Nov 12, 2025, 10:00 PM

OptimumBank Holdings, Inc. Announces Strong Third Quarter 2025 Financial Performance

OPHC

Earnings

Revenue Acceleration/Inflection

New Projects/Investments

OptimumBank Holdings, Inc. reported net earnings of $4.32 million, or $0.18 per diluted share, for the third quarter of 2025, an increase from $3.60 million, or $0.15 per diluted share, in the second quarter of 2025.
Total deposits grew by $80.62 million to $959.49 million as of September 30, 2025, representing a 9.17% increase from the prior quarter, while the gross loan portfolio increased by $29.16 million to $813.72 million.
The company's net interest margin expanded to 4.37% in Q3 2025, up from 4.32% in Q2 2025, and Return on Average Assets (ROAA) improved to 1.68% from 1.48% in the previous quarter.
For the nine-month period ended September 30, 2025, net earnings were $11.80 million, or $0.50 per diluted share, compared to $9.17 million, or $0.45 per diluted share, for the same period in 2024.

Nov 12, 2025, 9:31 PM

OptimumBank Holdings Chairman Discusses Growth and Financial Strategy

OPHC

Revenue Acceleration/Inflection

New Projects/Investments

Guidance Update

OptimumBank Holdings Inc. (OPHC) Chairman Moishe Gubin was featured on The GotStocks Podcast to discuss the company's performance and strategy.
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.
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.
The company has no debt on its balance sheet, providing opportunities to raise equity or debt to support balance sheet expansion.
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.

Oct 21, 2025, 12:00 PM

OptimumBank Holdings, Inc. amends Series B Preferred Stock terms

OPHC

Accounting Changes

Convertible Preferred Issuance

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.
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.
Each of the 1,360 shares of Series B Preferred Stock will convert into 8,171.9772 shares of Common Stock, subject to adjustment.

Oct 1, 2025, 8:05 PM

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OptimumBank Holdings (OPHC)