Optimumbank Hold Stock Price, News & Analysis

OptimumBank Holdings (NYSE: OPHC) reported 3Q25 net earnings of $4.32M (diluted EPS $0.18), up from $3.60M in 2Q25 and $3.30M in 3Q24. For the nine months ended Sep 30, 2025, net earnings were $11.80M versus $9.17M a year earlier, driven by a $5.26M improvement in net interest income and a $1.49M rise in noninterest income.

Key balance sheet moves: total deposits rose to $959.49M (+$80.62M QoQ, +18.97% YoY), total assets to $1.083B, and gross loans to $813.72M (+$29.16M QoQ). Net interest margin expanded to 4.37%, ROAA was 1.68%, allowance for credit losses was $10.02M (1.23% of loans), and Tier 1 capital to assets was 11.71%.

OptimumBank Holdings (NYSE American: OPHC) will release third quarter financial results for the period ended September 30, 2025 before the market opens on Thursday, November 13, 2025.

The company management will host a conference call and live webcast on that morning at 10:00 A.M. Eastern Time to review results and provide a business update. Investors can register for the webcast via the provided webcast link or contact Seth Denison at SDenison@OptimumBank.com for registration assistance.

OptimumBank (NYSE American: OPHC) will ring the Opening Bell at the New York Stock Exchange on October 27, 2025 at 9:30 a.m. ET to celebrate its 25th anniversary.

The bank said it has grown from a single Broward County branch into a billion-dollar institution, surpassed $1 billion in assets in 2025, delivered record earnings in 2025, and emphasizes community-focused, relationship-driven banking combined with digital capabilities. The bell ceremony will stream live on the NYSE YouTube channel.

OptimumBank (NYSE American: OPHC) will present at the LD Micro Main Event XIX on Monday, October 20, 2025 at 1:30 PT. Moishe Gubin, chairman of the board, will deliver the presentation from the Hotel del Coronado in San Diego, California.

The three-day conference runs October 19–21, 2025 and features about 120 companies presenting in half-hour slots, plus one-on-one investor meetings and receptions. Investors can attend in person or register to watch the virtual presentation.

OptimumBank Holdings (NYSE American: OPHC) has issued a clarification regarding their asset growth projections discussed during their Q2 2025 earnings call. The company is maintaining its strong growth trajectory of 25% to 30% annually.

With current assets approaching $1 billion, OptimumBank reaffirms its strategic targets of reaching $1.2 billion in assets by end-2025 and projects $1.5-1.6 billion by end-2026. This clarification addresses confusion from statements made by Chairman Moishe Gubin and CEO Tim Terry during the Q&A session of their August 7 earnings webcast.

OptimumBank Holdings (NYSE American: OPHC) reported Q2 2025 net earnings of $3.60 million ($0.31 per basic share, $0.29 diluted), compared to $3.87 million in Q1 2025 and $3.50 million in Q2 2024. The bank demonstrated strong growth with total assets reaching $999.13 million, up $21.66 million from Q1.

Key performance metrics include a net interest margin of 4.32% (up from 4.06% in Q1), total deposits growth of $25.93 million to $878.87 million, and a decrease in gross loans by $15.68 million to $784.56 million. The bank maintained strong capital levels with Tier 1 Capital ratio of 11.89%.

For the first half of 2025, net earnings reached $7.47 million, a significant improvement from $5.87 million in the same period of 2024, driven by enhanced net interest income and noninterest income, despite higher operating expenses.

OptimumBank Holdings (NYSE American: OPHC) has scheduled its second quarter 2025 financial results announcement for August 7, 2025, before market opening. The company will host a conference call and webcast at 10:00 A.M. Eastern Time on the same day, where management will discuss quarterly results and provide business updates.

Investors interested in attending the virtual webcast can register through the provided link or contact Seth Denison for assistance.

OptimumBank (OPHC) has partnered with Habitat for Humanity of Broward to provide zero interest mortgage loans to six local families facing housing affordability challenges. The initiative combines financial assistance with post-closing education and financial skills training to help families transition from renting to homeownership. Selected through Habitat Broward's screening process, these families will receive homes in vibrant neighborhoods, creating opportunities for long-term stability and generational wealth building. The partnership demonstrates a model for private-nonprofit collaboration in addressing housing affordability issues, with Optimum Bank's support enabling Habitat for Humanity to reinvest funds into future projects immediately.

OptimumBank Holdings (NYSE American: OPHC) reported strong Q1 2025 financial results with net income of $3.9 million ($0.33 per basic share), up 63% from Q1 2024. The bank's performance showed significant improvements with net interest income reaching $9.43 million, a 21.7% increase year-over-year. Key metrics include: Net interest margin improved to 4.06% from 3.70% Gross loans increased 5.86% to $800.2 million Total deposits grew 6.83% to $852.93 million Tier 1 capital ratio strengthened to 11.71% The bank successfully resolved a non-performing loan post-quarter, reducing NPAs by $5.6 million. Noninterest income remained stable at $1.23 million, while noninterest expenses increased 19.5% to $5.63 million due to strategic investments in growth infrastructure.