Welcome to our dedicated page for Optimumbank Hold news (Ticker: OPHC), a resource for investors and traders seeking the latest updates and insights on Optimumbank Hold stock.
OptimumBank Holdings, Inc. (OPHC) is the parent of OptimumBank, a Ft. Lauderdale-based community and business bank focused on South Florida. This news page aggregates company announcements, earnings updates, capital structure developments, and community initiatives directly related to OPHC and OptimumBank.
Investors can find detailed coverage of quarterly and year-to-date financial results, including trends in net earnings, net interest income, deposit growth, loan portfolio changes, and capital ratios as reported in the company’s earnings releases and related Form 8-K filings. Management commentary often addresses deposit pricing, loan mix across commercial real estate, consumer, land and construction, and residential real estate segments, as well as credit quality metrics such as nonaccrual loans and allowance for credit losses.
News items also highlight capital structure actions, such as amendments to preferred stock terms, inclusion of preferred shares in diluted earnings-per-share calculations, and institutional investor activity involving common and preferred equity. Disclosures regarding at-the-market equity issuance arrangements and related prospectus supplements appear in current reports and associated press releases.
For those following the bank’s operating strategy, the feed includes announcements about lending promotions like owner-occupied commercial real estate financing, SBA lending activity, and partnerships that align with its community banking focus. Community-oriented stories, such as OptimumBank’s partnership with Habitat for Humanity of Broward to provide zero-interest mortgage loans to selected families, illustrate how the bank connects its lending activities with local economic development and housing initiatives.
Users interested in corporate access will also see notices of investor events, including earnings webcasts and conference presentations where management discusses performance and strategic priorities. Bookmark this page to review a chronological record of OptimumBank’s official news and to trace how its community banking strategy, capital structure, and financial profile evolve over time based on the company’s own disclosures.
OptimumBank Holdings (NYSE American: OPHC) will host a conference call and live webcast on Wednesday, February 18, 2026 at 10:00 A.M. ET to discuss fourth-quarter and full-year financial results for the period ended December 31, 2025 and provide a business update.
The company released its fourth-quarter and full-year earnings on February 2, 2026; the earnings release and webcast registration are available online. For assistance, contact Seth Denison at SDenison@OptimumBank.com.
OptimumBank Holdings (NYSE American: OPHC) reported 4Q25 net earnings of $4.85 million ($0.42 basic, $0.21 diluted) and full-year 2025 net earnings of $16.64 million ($1.42 basic, $0.71 diluted). Total assets reached $1.11 billion and gross loans grew to $958.79 million.
Key drivers included a higher net interest margin of 4.39%, deposit growth of 20.66% YoY, and improved credit metrics with an allowance for credit losses of $10.27 million (1.07% of loans).
OptimumBank Holdings (NYSE American: OPHC) will present live at the Emerging Growth Conference on January 21, 2026. The Chairman, Moishe Gubin, will deliver a corporate presentation followed by a live Q&A. The company is scheduled to present at 9:40 AM ET for 30 minutes and encourages investors to submit questions in advance or during the session. A replay will be posted on EmergingGrowth.com and the Emerging Growth YouTube channel after the event. Registration and event updates are available via the conference registration page.
OptimumBank (NYSE American: OPHC) launched a limited-time Owner-Occupied Commercial Real Estate financing promotion for Q1 2026 offering qualified borrowers up to 80% loan-to-value at a rate of SOFR + 2.67% with a 0.25 point origination fee. Applications must be submitted by March 31, 2026. Eligibility includes a minimum purchase price of $1,000,000, inclusion of the borrower operating and holding company on the loan, and establishment of deposit relationships with OptimumBank. All loans are subject to credit approval and underwriting; other restrictions may apply.
OptimumBank Holdings (NYSE: OPHC) announced a year-end capital structure modernization finalized with major institutional and insider stakeholders to support asset growth beyond a $1.1 billion milestone.
Key actions include AllianceBernstein increasing economic exposure (including converting 350,000 common shares into preferred in October 2025), restating Series B preferred into a single unified series, modernizing conversion mechanics, and including Series B in diluted share counts and diluted EPS with retrospective disclosure. As-converted common and preferred totaled 23,523,473 shares and fully diluted tangible book value was approximately $4.97 per share as of Q3 2025.
OptimumBank (NYSE: OPHC) announced that Director Michael Blisko purchased 7,600 shares of common stock in an open-market transaction on December 4, 2025 at an average price of $4.09 per share, for a total of approximately $31,084.
The company reported what management described as its strongest quarter ever, with net earnings of $4.32 million (or $0.37 per basic share), driven by higher net interest income and execution of its business strategy. The Form 4 for the insider purchase is available on the SEC website.
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.