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 (NYSE American: OPHC) was ranked #49 on the S&P Global Market Intelligence 2025 Top 100 Best-Performing U.S. Community Banks under $3 billion, placing it in the top 1.4% of 3,465 eligible peers.
The Bank was the only Florida-based institution in the Top 100 and was invited as one of two national webinar representatives; Seth Denison represented the East Coast. The ranking assessed profitability, growth, efficiency, asset quality, and capitalization.
Dream Chasers Capital Group responded to Carver Bancorp's blocking of nominees Moishe Gubin and Greg Lewis and warned shareholders about potential dilutive actions ahead of the May 21, 2026 annual meeting.
Key facts: OptimumBank chairman Moishe Gubin reported $16.65M net income for 2025, 600% core earnings growth since 2021, asset growth from $100M to $1.11B, and a 49.59% efficiency ratio. Carver announced delisting on Nov. 18, 2025 with a subsequent 50% stock price drop. Dream Chasers cites 70% retail shareholder support and flags a new 10% filer as a potential dilution concern.
OptimumBank Holdings (NYSE: OPHC) formed OptimumFunding, LLC, a wholly owned subsidiary to launch a HUD and FHA lending platform focused on bridge-to-HUD financing and government-insured FHA/HUD loan origination for multifamily and healthcare properties.
The board approved a dividend to the holding company and the holding company authorized a capital investment to fund OptimumFunding’s initial operations; program approvals, staffing, and pipeline updates are expected as the platform develops.
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%.