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OptimumBank Holdings, Inc. logo

OptimumBank Holdings, Inc.

OPHC

AMEXFinancial ServicesBanks - Regional

Open in GoAI

Previous close

$9.30

+$0.08 · +0.87%

Aug 21, 4:00 PM ET

Pre-market

$9.30

$0.00 · 0.00%

Aug 24, 4:00 AM ET

OPHC company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

95

Deep Value

Momentum

56

Neutral

Sentiment

64

Bullish

Risk resilience

79

Moderate Risk

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Company profile

Company website

OptimumBank Holdings, Inc. operates as the bank holding company for OptimumBank, which provides various consumer and commercial banking services to individuals and businesses. The company accepts interest-bearing and noninterest-bearing, savings, money market, and NOW accounts, as well as time deposits, wire transfers, ACH services, and certificates of deposit. It also offers multi-family real estate, residential and commercial real estate, and land and construction loans; commercial loans for working capital purposes or acquiring equipment, inventory, and furniture; and consumer loans for various purposes, including purchases of automobiles, recreational vehicles, boats, home improvements, lines of credit, personal, and deposit account collateralized loans. In addition, the company provides debit and ATM cards; cash management, notary, and night depository services; and direct deposits, money orders, cashier's checks, domestic collections, and banking by mail. OptimumBank Holdings, Inc. was founded in 2000 and is headquartered in Fort Lauderdale, Florida.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Moishe Gubin
Listed since
Jun 23, 2003
Employees
98

Market position

Day range

Current $9.30

52-week range

Current $9.30

Open
$9.19
Previous close
$9.22
Volume
90.85K
1.18× average
Average volume
76.87K
Average daily volume
Market cap
113.15M USD
Beta
0.26
Market reference 1
50-day average
$7.0342
+32.21% above average
200-day average
$5.4536
+70.53% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
-11.87M USD
P/E (TTM)
5.38×
P/B (TTM)
0.83×
P/S (TTM)
1.44×
EV / EBITDA
-0.51×
Earnings yield
33.33%
Free cash flow yield
33.93%
Dividend yield
0.00%

Profitability & efficiency

Gross margin
69.38%
Operating margin
34.53%
Net margin
26.06%
Return on equity
13.66%
Return on assets
1.50%
Return on invested capital
9.25%

Financial health

Debt / equity
0.04×
Current ratio
0.12×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends88%62%36%9%Gross margin, FY2021: 81.75%Gross margin, FY2022: 67.11%Gross margin, FY2023: 58.93%Gross margin, FY2024: 57.73%Gross margin, FY2025: 66.53%Operating margin, FY2021: 25.96%Operating margin, FY2022: 23.61%Operating margin, FY2023: 21.56%Operating margin, FY2024: 27.44%Operating margin, FY2025: 31.17%Net margin, FY2021: 53.25%Net margin, FY2022: 17.61%Net margin, FY2023: 16.01%Net margin, FY2024: 20.43%Net margin, FY2025: 23.41%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 81.75%. Gross margin FY2022 67.11%. Gross margin FY2023 58.93%. Gross margin FY2024 57.73%. Gross margin FY2025 66.53%. Operating margin FY2021 25.96%. Operating margin FY2022 23.61%. Operating margin FY2023 21.56%. Operating margin FY2024 27.44%. Operating margin FY2025 31.17%. Net margin FY2021 53.25%. Net margin FY2022 17.61%. Net margin FY2023 16.01%. Net margin FY2024 20.43%. Net margin FY2025 23.41%.

Income trends

Revenue

71.13M USD+10.70%

Operating income

22.17M USD+25.75%

Net income

16.65M USD+26.85%
Income trends across reported periods77.93M USD50.71M USD23.49M USD−3.74M USDRevenue, FY2021: 11.82M USDRevenue, FY2022: 22.84M USDRevenue, FY2023: 39.23M USDRevenue, FY2024: 64.25M USDRevenue, FY2025: 71.13M USDOperating income, FY2021: 3.07M USDOperating income, FY2022: 5.39M USDOperating income, FY2023: 8.46M USDOperating income, FY2024: 17.63M USDOperating income, FY2025: 22.17M USDNet income, FY2021: 6.3M USDNet income, FY2022: 4.02M USDNet income, FY2023: 6.28M USDNet income, FY2024: 13.12M USDNet income, FY2025: 16.65M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 11.82M USD. Revenue FY2022 22.84M USD. Revenue FY2023 39.23M USD. Revenue FY2024 64.25M USD. Revenue FY2025 71.13M USD. Operating income FY2021 3.07M USD. Operating income FY2022 5.39M USD. Operating income FY2023 8.46M USD. Operating income FY2024 17.63M USD. Operating income FY2025 22.17M USD. Net income FY2021 6.3M USD. Net income FY2022 4.02M USD. Net income FY2023 6.28M USD. Net income FY2024 13.12M USD. Net income FY2025 16.65M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue71.13M USD64.25M USD39.23M USD22.84M USD11.82M USD
Cost of goods sold23.8M USD27.16M USD16.11M USD7.51M USD2.16M USD
Gross profit47.33M USD37.09M USD23.12M USD15.33M USD9.67M USD
Selling, general, and administrative1.13M USD11.1M USD8.26M USD5.45M USD3.75M USD
Operating expenses25.15M USD19.46M USD14.66M USD9.94M USD6.6M USD
Interest income64.35M USD59.63M USD35.78M USD19.88M USD10.39M USD
Interest expense21.77M USD24.94M USD12.07M USD4.05M USD985K USD
Depreciation and amortization884K USD599K USD560K USD569K USD302K USD
Operating income22.17M USD17.63M USD8.46M USD5.39M USD3.07M USD
Net income16.65M USD13.12M USD6.28M USD4.02M USD6.3M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
100%
8 beats, 0 misses, 0 met estimates
Average EPS surprise
+174.45%
8 comparable reports
Latest EPS result
0.28
Estimate 0.21 · Beat by 35.46%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates0.390.240.08-0.07Q1 '25BeatQ2 '25BeatQ3 '25BeatQ4 '25No estimateQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Feb 5, 2025: actual 0.35, estimate 0.17, surprise +105.88%, Beat. Q2 2025, reported May 12, 2025: actual 0.32, estimate 0.17, surprise +88.24%, Beat. Q3 2025, reported Aug 7, 2025: actual 0.29, estimate 0.15, surprise +93.33%, Beat. Q4 2025, reported Nov 10, 2025: actual 0.18, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Feb 2, 2026: actual 0.21, estimate -0.028, surprise +840.74%, Beat. Q2 2026, reported Apr 24, 2026: actual 0.2, estimate 0.19, surprise +5.26%, Beat. Q3 2026, reported Jul 24, 2026: actual 0.28, estimate 0.207, surprise +35.46%, Beat. Q4 2026, reported Nov 9, 2026: actual —, estimate 0.31, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates19.93M17.06M14.18M11.31MQ1 '25BeatQ2 '25No estimateQ3 '25No estimateQ4 '25No estimateQ1 '26BeatQ2 '26MetQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Feb 5, 2025: actual 16.71M USD, estimate 15.11M USD, surprise +10.60%, Beat. Q2 2025, reported May 12, 2025: actual 16.24M USD, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Aug 7, 2025: actual 12.08M USD, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Nov 10, 2025: actual 18.3M USD, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Feb 2, 2026: actual 19.17M USD, estimate 13.6M USD, surprise +40.94%, Beat. Q2 2026, reported Apr 24, 2026: actual 14.97M USD, estimate 14.97M USD, surprise 0.00%, Met estimate. Q3 2026, reported Jul 24, 2026: actual 17.18M USD, estimate 14.2M USD, surprise +21.01%, Beat. Q4 2026, reported Nov 9, 2026: actual —, estimate 17.7M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$8.75

5.91% downside
Past 12 months12-month forecastHigh $11.00Average $8.75Low $6.50

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ETFs holding OPHC

Funds reporting this stock among their holdings, ordered by reported position size.

Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
2.15M
Weight
0.00%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$378.24+0.44%
Vanguard Extended Market ETF logoVanguard Extended Market ETFVXF
Market value
923.42K
Weight
0.00%
AUM
93.7B USD
Expense ratio
0.05%
Price / 1D
$245.53+0.82%
iShares Micro-Cap ETF logoiShares Micro-Cap ETFIWC
Market value
329.54K
Weight
0.02%
AUM
1.53B USD
Expense ratio
0.60%
Price / 1D
$198.39+1.10%
Dimensional - US Targeted Value ETF logoDimensional - US Targeted Value ETFDFAT
Market value
94.79K
Weight
0.00%
AUM
14.66B USD
Expense ratio
0.28%
Price / 1D
$71.67+0.67%
U.S. Micro Cap Portfolio ETF logoU.S. Micro Cap Portfolio ETFDFMC
Market value
30.09K
Weight
0.00%
AUM
8.06B USD
Expense ratio
0.43%
Price / 1D
$60.95+0.73%
Dimensional - US Sustainability Core 1 ETF logoDimensional - US Sustainability Core 1 ETFDFSU
Market value
27.53K
Weight
0.00%
AUM
2.35B USD
Expense ratio
0.15%
Price / 1D
$48.20+0.52%
Dimensional - US Core Equity 1 ETF logoDimensional - US Core Equity 1 ETFDCOR
Market value
23.58K
Weight
0.00%
AUM
3.51B USD
Expense ratio
0.14%
Price / 1D
$84.54+0.42%
Dimensional - US Vector Equity ETF logoDimensional - US Vector Equity ETFDXUV
Market value
17.15K
Weight
0.00%
AUM
578.74M USD
Expense ratio
0.28%
Price / 1D
$69.80+0.69%

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