1. United States of America Stocks

  2. •

    Financial Services

  3. •

    Banks - Regional
OptimumBank Holdings, Inc.

OptimumBank Holdings, Inc.

OPHC
OptimumBank Holdings, Inc.US flagNew York Stock Exchange Arca
8.67
USD
-0.02
- -
109.44MMarket Cap
OptimumBank Holdings, Inc.
OPHC
(New York Stock Exchange Arca)

Recent

price

8.67

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
259.43
29.49
3.55
3.97
5.82
4.26
3.4
3.23
2.1
1.74
1.8
2.78
3.16
3.75
4.16
4.21
4.94
Revenue per Share
-412.68
-32.75
-6.87
-8.94
1.85
-0.17
-0.38
-0.53
0.53
-0.58
-0.27
1.61
0.68
0.87
1.39
1.42
1.72
Basic EPS, GAAP
81.34
-7.74
-4.39
-3.96
1.35
0.63
0.43
0.43
-0.14
-0.56
-0.57
0.87
1.69
0.86
1.55
1.45
2.14
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
138.41
12.11
8.77
-0.27
3.2
3.08
2.79
2.27
2.86
2.53
5.57
8.06
8.87
9.66
8.87
10.57
10.89
Book Value per Share
138.41
12.11
8.77
-0.27
3.2
3.08
2.79
2.27
2.86
2.53
5.57
8.06
8.87
9.66
8.87
10.57
10.89
Tangible Book Value per Share
- -
- -
1
1
1
1
1
1
1
2
3
4
6
7
9
12
12
Basic Weighted Avg Shares
5
3
2
3
5
4
4
4
3
3
5
11
19
27
39
49
59
Sales/Revenue/Turnover
-152.5
- -
-176.46
-203.4
31.76
-11.89
-11.18
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
1
1
1
1
1
Depreciation Expense
-8
-4
-5
-7
2
- -
- -
-1
1
-1
-1
6
4
6
13
17
20
Net Income, GAAP
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
25.39
25.71
25.56
24.91
24.53
Effective Tax Rate (%)
-159.07
-111.06
-193.29
-225.1
31.76
-4.01
-11.18
-16.49
25.43
-33.23
-14.8
58.09
21.4
23.13
33.38
33.73
34.86
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
37
5
5
5
5
5
5
5
4
4
3
2
2
2
3
3
17
LT Debt
3
7
7
- -
3
3
3
3
5
7
18
39
63
70
103
122
134
Total Equity
- -
- -
- -
- -
5.48
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
-119.71
-77.89
-68.59
- -
- -
-5.48
-13.1
-20.94
20.28
-17.58
-6.25
22.35
7.96
9.48
15.16
14.79
16.68
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
50
40
25
LT Borrowings
- -
- -
14
LT Finance Leases
3
3
3
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
12
12
12
Market Capitalization
49
62
72

Working Capital

FRC

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
115
140
146
Accounts Receivable, Net
4
4
5
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
50
40
25
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
53.4%
51.17%
18.14%
Free Cash Flow
30.57%
1.18%
15.93%
Net Income, GAAP
-105.99%
-149.86%
26.85%
Sales/Revenue/Turnover
33.44%
58.67%
25.56%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
9
10
10
10
39
2025
11
12
13
14
49
2026
15
17
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.31
0.36
0.34
- -
1.39
2025
0.33
0.31
0.37
0.42
1.42
2026
0.39
0.54
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
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Business
OptimumBank Holdings, Inc. operates as the bank holding company for OptimumBank, a state-chartered bank based in Fort Lauderdale, Florida, founded in 2000. The company offers a wide range of consumer and commercial banking services including demand interest-bearing and noninterest-bearing accounts, savings, money market and NOW accounts, time deposits, certificates of deposit, wire transfers, ACH services, debit and ATM cards, cash management, notary services, night depository services, direct deposits, money orders, cashier’s checks, domestic collections, banking by mail, and internet banking services primarily serving individual and business customers in Broward County, Florida. The company also provides advanced treasury management services enabled by recent investments in technology, enhancing its service offerings. Recent major changes include a successful at-the-market stock offering raising over $10 million to strengthen capital, substantial growth in gross loans to $804 million and deposits to $772 million by the end of 2024, a strategic shift to actively expand lending products and treasury management capabilities, the transfer of its stock listing from Nasdaq to NYSE American effective December 31, 2024, and initiatives to expand the workforce and operational capacity. OptimumBank continues to focus on disciplined lending, cost management, operational innovation, and strategic growth to enhance shareholder value and maintain regulatory capital standards. The company operates primarily in the United States financial services sector with a focus on regional community banking.

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