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. reports news as a bank holding company for OptimumBank, a Florida-chartered commercial bank, and wholly owned non-bank subsidiaries OptimumFunding, LLC and OptimumFinance, LLC. Company updates center on community banking performance, net interest income, deposit and loan activity, credit costs, shareholder presentations, and annual meeting matters.
Coverage also includes expansion of commercial real estate and government-insured lending through OptimumFunding, including bridge-to-HUD, FHA- and HUD-insured loan origination, and related servicing relationships. Governance news includes executive leadership changes at the holding company and bank, board matters, community-bank performance recognition, and third-party research coverage tied to the company's operating profile.
OptimumBank Holdings (NYSE American: OPHC) will host a conference call and live webcast on Thursday, August 13, 2026, at 1:00 p.m. Eastern Time to discuss its financial results for the second quarter ended June 30, 2026 and provide a business update.
According to OptimumBank Holdings, the second quarter 2026 earnings release was issued on July 24, 2026 and is accessible online. Current and prospective investors can attend the webcast virtually by completing the provided registration process or by contacting Investor Relations representative Seth Denison via telephone or email for assistance. The company also reiterates its standard caution regarding forward-looking statements and references its SEC filings for detailed risk factors.
OptimumBank Holdings (NYSE American: OPHC) reported second quarter 2026 net income of $6.7 million, or $0.40 basic and $0.28 diluted EPS, up from $4.7 million in 1Q26 and $3.6 million in 2Q25. For the first six months of 2026, net income was $11.3 million versus $7.5 million a year earlier, driven by an $8.2 million increase in net interest income and $1.2 million higher noninterest income, partly offset by higher expenses and taxes.
Quarterly ROAA reached 2.04% and ROAE 20.34%. Net interest margin rose to 4.57%. Total assets grew to $1.4 billion, deposits to $1.2 billion, and gross loans to $1.2 billion. Equity increased to $134.4 million. Credit metrics included a $0.4 million credit loss reversal, net charge-offs of $11,000, and an allowance for credit losses of $11.0 million (0.91% of loans). The Tier 1 leverage ratio was 10.54%. The company also completed a leadership transition and initiated lending through OptimumFinance, LLC, which funded its first $14.2 million loan.
OptimumBank (NYSE American: OPHC) announced it received the 2025 Raymond James Community Bankers Cup, recognizing top-performing U.S. community banks for profitability, efficiency, and balance sheet strength.
OptimumBank was one of 20 winners out of 191 eligible banks, the only Florida bank and one of two in the Southeast, and among four first-time winners.
OptimumBank Holdings (NYSE American: OPHC) will present at Planet MicroCap Las Vegas 2026 on June 17, 2026 at 12:30 PM (EST) at the Bellagio Resort & Hotel. CEO and Chairman Moishe Gubin will present and take questions, with a live webcast available.
According to OptimumBank, the bank was recently ranked #49 of 3,465 U.S. community banks by S&P Global Market Intelligence and reported a 21.56% Core ROAE for fiscal 2025. Brean Capital and Alliance Global Partners both initiated equity research coverage with Buy ratings.
OptimumBank Holdings (NYSE American: OPHC) announced an executive leadership transition effective May 1, 2026. Timothy Terry retired as Principal Executive Officer after a 13-year tenure. The Board appointed Chairman Moishe Gubin as CEO and Principal Executive Officer of the company and bank, and named Braden R. Smith as bank president. Total assets rose from about $154.5M early in Gubin's chairmanship to $1.27B as of Q1 2026.
The Board cited Gubin's long institutional knowledge as central to continuing the company's growth strategy.
OptimumBank Holdings (NYSE: OPHC) will hold its Annual Shareholder Meeting and Investor Day on April 28, 2026 at 10:00 AM ET with a virtual webcast available. The company reported its most successful year, with Core ROAE 21.56% and NIM 4.28% for fiscal 2025, and will include updated Q1 2026 performance in the shareholder deck.
Registration and the presentation deck are available online; investors can contact Seth Denison at SDenison@OptimumBank.com for more information.
OptimumBank Holdings (NYSE: OPHC) reported 1Q26 net income $4.7M ($0.39 basic, $0.20 diluted) and ROAE 15.12% (annualized). Total assets rose to $1.27B, gross loans to $1.09B (+$132.1M QoQ) and total deposits to $1.09B (+$161.1M QoQ; +28.1% YoY).
Net interest income was $13.2M, NIM 4.49%, noninterest expense $8.0M, credit loss expense $0.8M, and allowance for credit losses 1.01% of loans.
OptimumBank Holdings (NYSE American: OPHC) announced on April 20, 2026 that Brean Capital initiated equity research coverage. Brean's coverage is led by Christopher Marinac with a Buy rating and an $8 price target.
The report was distributed to Brean's institutional clients; investors seeking the report should contact Brean directly. Company leadership said the coverage signals growing awareness of its business model, operating performance, and long-term growth strategy.
OptimumBank Holdings (NYSE American: OPHC) announced that Alliance Global Partners initiated equity research coverage on April 10, 2026. A.G.P./b. analyst Gaurav Mehta started coverage with a rating and a $6.50 price target. The report was distributed to A.G.P.'s institutional clients, and investors should contact Alliance Global Partners to request the research.
OptimumBank Holdings (NYSE American: OPHC) will hold its Annual Shareholder Meeting and Investor Day on Tuesday, April 28, 2026 at its Ft. Lauderdale headquarters and online via webcast, starting at 10:00 am ET. Shareholders of record as of March 9, 2026 may vote.
Interested attendees should register via the provided webcast link or email Seth Denison at SDenison@OptimumBank.com to receive event details; a Chairman's Letter to Shareholders is available online.