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OptimumBank Holdings, Inc. is forming a new wholly owned subsidiary, OptimumFunding, LLC, to launch a HUD and FHA-focused lending platform as part of its long-term strategic growth plan. The initiative centers on government-insured lending for healthcare and multifamily properties.
OptimumFunding will offer bridge-to-HUD financing and FHA- and HUD-insured loan origination, targeting skilled nursing facilities, senior housing, and multifamily assets. It is designed to complement OptimumBank’s existing commercial real estate and healthcare lending, using a relationship-driven model with a dedicated, experienced team.
The board approved a dividend from OptimumBank to the holding company, which then authorized a capital investment into OptimumFunding to fund initial operations and platform development. Management believes this structure will support scalable growth, diversify revenue through government-insured lending, and align profitability with housing and healthcare objectives.
AllianceBernstein L.P. filed an amended Schedule 13G reporting beneficial ownership of 489,654 shares of OptimumBank Holdings Inc. common stock, representing 4.2% of the class as of 12/31/2025. The shares are held in discretionary investment advisory accounts, with AllianceBernstein having sole voting and dispositive power.
The position is certified as acquired and held in the ordinary course of business for investment purposes, not to change or influence control of OptimumBank. AllianceBernstein notes it is a majority-owned subsidiary of Equitable Holdings, Inc. but operates under independent management and reports ownership separately.
OptimumBank Holdings, Inc. reported that its Principal Executive Officer, Timothy Terry, sold 39,304 shares of common stock on February 2, 2026 at a price of $4.73 per share, in a disposition coded as a sale.
Following this transaction, the filing states that Terry directly owns 0 shares of OptimumBank common stock. No derivative securities transactions were reported in this filing.
OptimumBank Holdings, Inc. filed a Form 8-K to furnish a press release describing its unaudited results of operations and financial condition for, and at the end of, the year ended December 31, 2025. The press release is provided as Exhibit 99.1 and is treated as furnished, not filed, meaning it is not subject to Section 18 liability and is not automatically incorporated into other securities filings unless specifically referenced.
OptimumBank Holdings, Inc. entered into and completed an exchange agreement with shareholder Michael Blisko on January 27, 2026. Under this agreement, Mr. Blisko exchanged 65 shares of the company’s Series B Convertible Preferred Stock for 531,178 newly issued shares of common stock. The exchange was conducted as an unregistered transaction under the Securities Act of 1933, relying on an exemption including Section 3(a)(9). The company’s common stock trades on the NYSE American under the symbol OPHC.
OptimumBank Holdings director Michael Blisko reported a large equity restructuring. On January 27, 2026, he exchanged 65 shares of Series B Convertible Preferred Stock for 531,178 shares of common stock at a stated price of $0.00 per share.
The filing notes this was an exchange under an Exchange Agreement dated January 27, 2026, rather than a standard conversion under the preferred stock terms. After the transaction, Blisko directly holds 1,135,823 common shares and 615 Series B preferred shares, plus additional indirect common holdings in a spouse’s IRA, his own IRA, a daughter’s account, and a UTMA account.
OptimumBank Holdings, Inc. filed a current report to note that it released a presentation describing aspects of its unaudited results of operations and financial condition for, and at the end of, the year ended December 31, 2025. The presentation, dated January 20, 2026, is furnished as an exhibit under items covering results of operations and Regulation FD disclosure.
The company states that this information, including the exhibits, is being furnished rather than filed, which means it is not subject to certain Exchange Act liabilities and will only be incorporated into other filings if specifically referenced.
Optimum Bank Holdings, Inc. has a shareholder planning to sell up to 39,304 shares of its common stock through broker Charles Schwab on or after 01/05/2026. The planned sale has an aggregate market value of $166,648.00, compared with 11,533,943 common shares outstanding for the company.
The seller originally acquired 40,000 common shares on 08/15/2021 in a cash purchase directly from Optimum Bank Holdings, Inc. under a transaction labeled as a purchase from the issuer. The notice also states that the person for whose account the shares are to be sold represents that they are not aware of any material adverse, non‑public information about the issuer’s current or prospective operations.
OptimumBank Holdings, Inc. director Michael Blisko reported an open-market purchase of the company’s common stock. On 12/04/2025, he bought 7,600 shares of OptimumBank Holdings common stock at a price of $4.09 per share in a transaction coded "P" for a purchase. Following this transaction, he beneficially owns 604,645 shares of OptimumBank Holdings common stock in direct form. This Form 4/A reflects activity by a board-level insider increasing his direct equity position in the company.
OptimumBank Holdings, Inc. reported an insider stock transaction by a director. On 12/04/2025, the director sold 7,600 shares of OptimumBank common stock at a price of $4.09 per share, coded as a sale transaction. After this trade, the director directly beneficially owned 604,645 shares of the company’s common stock. The filing was made on Form 4 and indicates the transaction involved only non-derivative common stock, with no derivative securities reported.