OptimumBank Holdings, Inc. (OPHC)
About OptimumBank Holdings, Inc.
OptimumBank Holdings Inc serves as a bank holding company for OptimumBank. The Bank provides community banking services to individuals and corporate customers. The services provided by the bank include demand interest-bearing and non-interest-bearing accounts, negotiable order of withdrawal accounts, borrowings, repayment of loans, money market deposit accounts, debit cards, automated teller machines, and other bank related services.
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Financial summary
- Net income
- $16.6M
- Total assets
- $1.1B
- Market cap
- $67.5M
- Operating margin
- 34.5%
- Net margin
- 25.9%
Source: SEC EDGAR · updated Jun 7, 2026
Revenue & profit trend
Financial statements
Income statement
- Revenue
- $64.4M
- Operating expenses
- $42.2M
- Operating income
- $22.2M
- Income tax
- $5.5M
- Net income
- $16.6M
- EPS (basic)
- $1.42
- EPS (diluted)
- $0.71
Balance sheet
- Total assets
- $1.1B
- Current assets
- $1.1B
- Total liabilities
- $989.8M
- Current liabilities
- $989.8M
- Shareholders’ equity
- $121.9M
Cash flow
- Operating cash flow
- $17.8M
- Investing cash flow
- -$156.7M
- Financing cash flow
- $159.8M
- Net cash flow
- $20.9M
Statements via Polygon.io (SEC filings)
15-minute delayed · data by Polygon.io
Past year · hover for prices
52-week range
- Market cap
- $67.5M
- P/E ratio
- 8.9
- EPS (diluted)
- $0.71
- Shares outstanding
- 10.7M
- Open
- —
- Day range
- –
- Prev close
- —
- Volume
- —
- IPO date
- May 8, 2003
OptimumBank Holdings, Inc. (OPHC) Stock Price
- Profitable — net income of $16.6M.
- Revenue grew 519% from FY2021 to FY2025.
- Trading near its 52-week high.
- Valued at a price-to-earnings (P/E) ratio of 8.9.
Automatically generated from public filings and market data. Informational only — not investment advice or a recommendation to buy or sell any security.
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News about OptimumBank Holdings, Inc.
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OptimumBank Holdings, Inc.: frequently asked questions
Is OptimumBank Holdings, Inc. an American company?
OptimumBank Holdings, Inc. is a US-based company headquartered in Fort Lauderdale, Florida, listed in the americancompanies.com directory of American companies. Its American-origin credentials have not yet been independently verified.
Where is OptimumBank Holdings, Inc. headquartered?
OptimumBank Holdings, Inc. is headquartered in Fort Lauderdale, Florida, United States.
Is OptimumBank Holdings, Inc. publicly traded?
Yes — OptimumBank Holdings, Inc. is a publicly traded company. Its stock trades under the ticker symbol OPHC on the NYSE.
What does OptimumBank Holdings, Inc. do?
OptimumBank Holdings, Inc. is an American Financial Services company in the Business & Financial Services sector.
