Welcome to our dedicated page for Optimumbank Hold SEC filings (Ticker: OPHC), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
This page provides access to U.S. Securities and Exchange Commission filings for OptimumBank Holdings, Inc. (OPHC), the Florida bank holding company for OptimumBank. Here, investors can review the company’s official regulatory disclosures, with real-time updates from EDGAR and AI-powered summaries that help explain the key points in each document.
For a commercial banking institution like OptimumBank, Form 10-K annual reports and Form 10-Q quarterly reports are central sources of information. These filings typically present detailed discussions of loan portfolio composition, deposit funding, net interest income, noninterest income, credit loss provisions, and capital ratios. AI-generated insights on this platform are designed to highlight important sections, such as management’s discussion and analysis, risk factors, and notes on allowance for credit losses and loan concentrations.
Form 8-K current reports are especially relevant for OPHC, as the company frequently uses them to furnish earnings press releases, investor presentations, and clarifications of public statements. Recent 8-K filings have covered quarterly financial results, a presentation on nine-month performance, amendments to the terms of Series B Preferred Stock, and a press release clarifying growth projections discussed on an earnings webcast. AI summaries can help users quickly understand what each 8-K item (such as Item 2.02 on results of operations or Item 5.03 on amendments to articles of incorporation) means in practical terms.
Investors tracking capital structure and equity issuance can use this page to locate filings related to at-the-market issuance agreements, prospectus supplements under the company’s shelf registration statement, and amendments involving preferred stock series. These documents explain how common and preferred shares, including Series B and Series C Preferred Stock, are treated in diluted share counts and financial disclosures.
In addition, Form 4 insider transaction reports, when available, provide details on share purchases or sales by directors and officers, complementing press releases that describe insider open-market purchases. By combining raw filings with AI explanations, this page helps users navigate complex regulatory documents, understand how OptimumBank reports its commercial banking activities, and follow changes in ownership, governance, and capital structure over time.
OptimumBank Holdings, Inc. (NYSE American: OPHC) filed Prospectus Supplement No. 1 to its August 20, 2024 at-the-market (ATM) prospectus, updating investors on its common-stock issuance program.
- Amended Sales Agreement: On July 1, 2025, the company added A.G.P./Alliance Global Partners as a second sales agent alongside Compass Point Research & Trading, LLC. Both firms may act as agent or principal under the "Amended Sales Agreement."
- Offering Size: The total ATM capacity remains $25 million. Through June 27, 2025, OPHC has already sold $9,569,512, leaving $15,430,488 available for future issuance.
- Sales Mechanics: • Shares will be sold from time to time by either agent via ordinary-broker transactions or other methods qualifying as Rule 415 "at the market" offerings. • The company may set daily share or dollar limits and minimum acceptable prices. • Either party may suspend or terminate sales at any time.
- Compensation & Costs: Agents earn up to 2.0 % of gross proceeds per share sold and are eligible for reimbursement of out-of-pocket expenses capped at $55,000. All commissions are deemed underwriting discounts; the company provides customary indemnification.
- Settlement & Reporting: Trades settle T+1 through DTC. OPHC will disclose quarterly the number of shares sold, net proceeds and total agent compensation.
- Risk Notice: The supplement re-affirms that investing in OPHC common stock "involves a high degree of risk," directing investors to previously disclosed Risk Factors.
- Trading Snapshot: Last reported share price on June 27, 2025 was $4.51.
In sum, the filing primarily extends distribution capacity by engaging a second agent and confirms the remaining authorization to raise approximately $15.4 million of equity capital, subject to market conditions.