OptimumBank Holdings, Inc. (OPHC)

In the past six months, OptimumBank Holdings, Inc. experienced several stock events. The company announced Q2 2025 earnings with net earnings of $3.60 million on August 7, 2025. On November 12, 2025, the company reported its strongest quarter on record for Q3 2025, with net earnings of $4.32 million, leading to a stock rise. Effective December 31, 2024, OptimumBank Holdings, Inc. transferred its common stock listing from Nasdaq to NYSE American. In December 2025, Director Michael Blisko purchased 7,600 shares of OptimumBank stock. On January 5, 2026, OptimumBank Holdings, Inc. announced the completion of a modernization of its capital structure. Between January 2, 2025, and December 31, 2025, the share price declined by 9.96%.

The demand for OptimumBank Holdings, Inc.'s products and services is generally influenced by local economic conditions, real estate market trends, and business activity rather than distinct seasonal patterns. Banking services can experience fluctuations tied to broader economic cycles, business investment trends, and consumer financial behavior throughout the year. Real estate loan demand might align with construction seasons or property market cycles, and business lending could see variations based on companies' fiscal year planning or expansion initiatives.

OptimumBank Holdings, Inc. is a bank holding company operating OptimumBank, a state-chartered community bank in Fort Lauderdale, Florida, since 2000. It operates in the Financial sector, focusing on traditional community banking services for individuals and corporate customers. The bank offers a range of consumer and commercial banking products and services, including various deposit accounts, Visa debit and ATM cards, cash management, and lending solutions like real estate, consumer, business, and SBA loans, along with treasury management services.

OptimumBank Holdings, Inc. primarily serves the tri-county area of Broward, Miami-Dade, and Palm Beach counties in Florida. The company operates through three banking offices located in Broward and Miami-Dade Counties, Florida. A new North Miami Beach branch was due to open in Q1 2024.

OptimumBank Holdings, Inc. has maintained a positive brand reputation due to its community banking strategy and strong financial performance. The bank is known for its relationship-driven approach, offering personalized service and reasonable fees. The bank reported record earnings and profitability, with its strongest quarter in Q3 2025 and its best year in fiscal year 2024. It experienced strong asset and deposit growth, with total assets surpassing $1.08 billion as of September 30, 2025. OptimumBank emphasizes its role as a community bank and has been involved in community development projects. The bank has reported no credit losses for the past seven years and achieved SBA Preferred Lender status. OptimumBank is also embracing technology modernization.

OptimumBank Holdings, Inc. has significant institutional ownership, with 45 institutional owners and shareholders holding between 7.43% to 17.2% of the stock. Major institutional owners include Alliancebernstein L.P., Fourthstone LLC, and Vanguard Group Inc., among others. Key individual insiders with significant ownership include Moishe Gubin and Michael Blisko, with insiders buying more shares than they have sold in the past three months.