Earnings summaries and quarterly performance for OptimumBank Holdings.
Executive leadership at OptimumBank Holdings.
Board of directors at OptimumBank Holdings.
Research analysts covering OptimumBank Holdings.
Recent press releases and 8-K filings for OPHC.
OptimumBank Holdings, Inc. Announces Strong Q4 and Full-Year 2025 Financial Performance
OPHC
Earnings
New Projects/Investments
Revenue Acceleration/Inflection
- OptimumBank Holdings, Inc. reported net earnings of $4.85 million and $0.21 diluted EPS for Q4 2025, an increase from $4.32 million and $0.18 diluted EPS in Q3 2025. For the full year 2025, net earnings were $16.64 million and $0.71 diluted EPS, up from $13.12 million and $0.63 diluted EPS in 2024.
- Total assets grew to $1.11 billion and gross loans increased by $145.07 million to $958.79 million during Q4 2025. However, total deposits decreased by $27.74 million to $931.75 million from Q3 2025, primarily due to a decline in noninterest-bearing demand deposits.
- The net interest margin expanded to 4.39% in Q4 2025, a two-basis point increase from 4.37% in Q3 2025, supported by higher yields on loans and lower costs on interest-bearing liabilities.
- The company's Tier 1 Leverage Ratio remained strong at 11.39% as of December 31, 2025, and a new wholly-owned subsidiary was formed in 2025 to offer specialized financing solutions, with a platform expected to roll out in 2026.
4 days ago
OptimumBank Holdings, Inc. Reports Strong Fourth Quarter and Full-Year 2025 Financial Results
OPHC
Earnings
Revenue Acceleration/Inflection
- OptimumBank Holdings, Inc. announced net earnings of $4.85 million, or $0.21 per diluted share, for the fourth quarter of 2025, and $16.64 million in net earnings, or $0.71 per diluted share, for the full year 2025.
- The company's gross loan portfolio increased by $145.07 million, or 17.83%, during the fourth quarter of 2025, reaching $958.79 million.
- Total assets grew by $28.64 million to $1.11 billion as of December 31, 2025, while total deposits decreased by $27.74 million to $931.75 million from September 30, 2025.
- Key performance ratios for Q4 2025 included a Return on Average Assets (ROAA) of 1.77% and a Return on Average Equity (ROAE) of 16.23%, with the net interest margin expanding to 4.39%.
5 days ago
OptimumBank Holdings completes preferred to common stock exchange
OPHC
- OptimumBank Holdings, Inc. (OPHC) entered into and consummated an Exchange Agreement with Michael Blisko on January 27, 2026.
- Pursuant to this agreement, Michael Blisko exchanged 65 shares of the Company's Series B Convertible Preferred Stock for 531,178 newly issued shares of the Company's common stock.
- The exchange was effected under an exemption from registration under the Securities Act of 1933, including Section 3(a)(9).
8 days ago
OptimumBank Holdings Reports Strong 2025 Financials and Outlines 2026 Growth Strategy
OPHC
Earnings
Guidance Update
New Projects/Investments
- OptimumBank Holdings (OPHC) reported strong financial results for 2025, with net earnings of $16.6 million, representing a 27% increase from 2024, and diluted earnings per share of $0.72.
- As of December 31, 2023, the bank's total assets reached $1.1 billion and its gross loan portfolio was approximately $959 million, with a loan-to-deposit ratio over 100%.
- Profitability for 2025 included a GAAP return on equity of 14.83% and a core return on equity of nearly 22%, alongside a net interest margin (NIM) of 4.28%. For Q4 2025, net earnings were $4.9 million and earnings per share were $0.21.
- The company projects continued significant growth, budgeting for a 25% annual loan growth rate and expecting the loan portfolio to grow another 25%-30% in 2026, aiming for $1.5 billion-$1.6 billion by year-end.
- Strategic growth for 2026 will focus on creating new verticals within the holding company, such as factoring, HUD, and bridge lending, and the company plans for future capital raises to support this expansion.
Jan 21, 2026, 2:40 PM
OptimumBank Holdings Reports Strong 2025 Results and Outlines Ambitious 2026 Growth Strategy
OPHC
Earnings
Guidance Update
New Projects/Investments
- OptimumBank Holdings (OPHC) reported strong financial results for 2025, with net earnings of $16.6 million (up almost 27% from 2024) and diluted EPS of $0.72.
- For 2025, the company achieved a Net Interest Margin (NIM) of 4.28% and a core Return on Equity (ROE) of 21.6%.
- Management projects significant loan portfolio growth of 25%-30% in 2026, targeting $1.5 billion-$1.6 billion by year-end, driven by Commercial Real Estate (CRE) in South Florida and new lending verticals.
- OPHC is seeking to grow its capital base to support expansion, noting its stock is currently trading below book value, and aims to reach a $75 million market cap to attract index fund investment.
Jan 21, 2026, 2:40 PM
OptimumBank Holdings Reports Strong 2025 Performance and Outlines 2026 Growth Strategy
OPHC
Guidance Update
New Projects/Investments
Revenue Acceleration/Inflection
- OptimumBank Holdings (OPHC) reported strong financial results for 2025, with net earnings of $16.6 million (a 27% increase from 2024) and diluted EPS of $0.72. The bank's GAAP Return on Equity (ROE) was 14.83%, while its core ROE, considered the true return for investors, was 21.6%.
- As of December 31, 2023, total assets reached $1.1 billion, with a gross loan portfolio of $959 million and deposits of $932 million. Net loans grew 19% to $947 million in 2025.
- The bank targets 25% annual loan portfolio growth, aiming for $1.5 billion to $1.6 billion by the end of 2026. To support this and new strategic verticals (factoring, HUD, bridge lending), OPHC plans a sizable equity raise.
- The Net Interest Margin (NIM) stood at 4.28%, and the bank's Tier 1 leverage ratio was 11.39%. An improved online banking and app experience is expected to be unveiled in March or April.
Jan 21, 2026, 2:40 PM
OptimumBank Director Purchases Shares
OPHC
Earnings
- OptimumBank Director Michael Blisko acquired 7,600 shares of company stock on December 4, 2025, at an average price of $4.09 per share, for a total transaction value of approximately $31,084.
- This purchase increases Mr. Blisko’s direct ownership stake, reflecting insider confidence in OptimumBank’s future.
- The transaction follows OptimumBank's recent report of its strongest quarter ever, with net earnings of $4.32 million (or $0.37 per basic share).
Dec 9, 2025, 1:30 PM
OptimumBank Holdings, Inc. Reports Strong Q3 2025 Financial Performance
OPHC
Earnings
Revenue Acceleration/Inflection
New Projects/Investments
- 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
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