OPHC Company Profile and Key Details

Q: Who are the executives of OPHC?

Ms. Lisa CorrAssistant Vice President of LendingMs. Rosa M. AriasHead TellerMr. Gene BabchickDirector of Bus. Devel.Mr. Joel J. KleinInterim Principal Financial Officer & DirectorMr. Frank A. NelsonSenior Vice President of LendingMs. Lesile M. LeggVice President of Bank Operations, Branch Admin. & HRMr. Timothy L. TerryPrincipal Executive Officer

AMEX : OPHC

OptimumBank

$5.59

0.03+0.54%

At Close 4:00 PM

63.13

B+ESG ScoreESG Rating

Profile Key Stats Analyst Ratings Ownership Ratios Financials Dividend & splits Sentiment Forecast

Price Chart

Stock Price Today

OptimumBank Holdings, Inc. (OPHC) stock surged +0.54%, trading at $5.59 on AMEX, up from the previous close of $5.56. The stock opened at $5.51, fluctuating between $5.50 and $5.59 in the recent session.

Stock Snapshot

5.56

Prev. Close

68.01M

Market Cap

5.5

Day Low

9.47

P/E Ratio

0.59

EPS (TTM)

0.86

Cash Flow per Share

5.51

Open

12.17M

Number of Shares

5.59

Day High

81.39%

Free Float in %

9.66

Book Value

28.25K

Volume

Relevant Articles

SEC Fillings

Current Report (8-k)

Filing Date	Accepted Date

Annual Report (10-k)

Filing Date	Accepted Date

Stock Price History Chart

Date	Open	High	Low	Close	Volume
May 08, 2026	5.50	5.60	5.49	5.59	28.51K
May 07, 2026	5.59	5.60	5.48	5.56	26.5K
May 06, 2026	5.60	5.61	5.52	5.52	72.3K
May 05, 2026	5.49	5.59	5.45	5.59	17.68K
May 04, 2026	5.57	5.60	5.50	5.50	18.9K
Apr 30, 2026	5.43	5.57	5.43	5.46	4.65K
Apr 29, 2026	5.53	5.54	5.45	5.50	3.6K
Apr 28, 2026	5.53	5.59	5.48	5.53	5.6K
Apr 27, 2026	5.50	5.57	5.46	5.56	53.92K
Apr 23, 2026	5.41	5.50	5.33	5.43	142.47K
Apr 22, 2026	5.45	5.48	5.30	5.39	341.84K
Apr 21, 2026	5.50	5.50	5.42	5.47	17.1K
Apr 20, 2026	5.45	5.49	5.40	5.49	13.75K
Apr 17, 2026	5.34	5.45	5.30	5.43	40.72K
Apr 16, 2026	5.39	5.43	5.39	5.43	2.38K
Apr 14, 2026	5.26	5.36	5.26	5.26	12.5K
Apr 13, 2026	5.26	5.35	5.25	5.26	34.44K
Apr 10, 2026	5.29	5.39	5.29	5.34	4.4K
Apr 09, 2026	5.29	5.34	5.29	5.29	1.99K
Apr 08, 2026	5.40	5.45	5.26	5.26	43.15K

Contact Details

Fort Lauderdale, FL 33308

United States

https://www.optimumbank.com 954 900 2800

About Company

OptimumBank Holdings, Inc. operates as the bank holding company for OptimumBank that provides various consumer and commercial banking services to individuals and businesses. It accepts demand interest-bearing and noninterest-bearing, savings, money market, NOW, and time deposit accounts, as well as certificates of deposit; and offers residential and commercial real estate, multi-family real estate, commercial, land and construction, and consumer loans, as well as lending lines for working capital needs. The company also provides debit and ATM cards; investment, cash management, notary, and night depository services; and direct deposits, money orders, cashier's checks, domestic collections, and banking by mail, as well as internet banking services. It operates through two banking offices located in Broward County, Florida. The company was founded in 2000 and is based in Fort Lauderdale, Florida.

Stock Peers

FCNCA

-1.49-0.08%

First Citizens BancShares, Inc.$1,951.93 HIFS

-3.32-1.16%

Hingham Institution for Savings$283.59 CATC

Cambridge Bancorp$220.00 WTFC

0.46+0.30%

Wintrust Financial Corporation$151.64 BPOP

0.18+0.12%

Popular, Inc.$149.01 BFC

1.62+1.12%

Bank First Corporation$146.62 BOKF

-0.98-0.73%

BOK Financial Corporation$132.47 UMBF

0.19+0.14%

UMB Financial Corporation$131.36 NBN

-0.98-0.78%

Northeast Bank$124.65 CHCO

0.28+0.23%

City Holding Company$123.01

Company Overview

OptimumBank Holdings, Inc. (AMEX:OPHC) closed at $5.59 USD, gaining $0.03 (0.54%) from the previous close of $5.56. The stock is currently trading near its 52-week high $3.91 and $5.64. With a market capitalization of about $68.01 million, OptimumBank Holdings, Inc. is classified as a micro-cap and shows lower-than-market volatility (beta ~0.33). Key stats such as the average daily volume over the past year has been around 33.81 thousand shares, in line with its 52-week average. Headquartered in Fort Lauderdale, FL, OptimumBank Holdings, Inc. operates in the Financial Services sector and the Banks - Regional industry. Led by CEO Timothy L. Terry, the company employs approximately 73 people and listed since June 23, 2003. OptimumBank Holdings, Inc. operates as the bank holding company for OptimumBank that provides various consumer and commercial banking services to individuals and businesses.

Technical Performance

OPHC has shown sold momentum, gaining 9.45% over the past week and 20.56% over the past quarter, though year-to-date performance is up 11.76%. Short-term trend indicators are bearishly aligned (SMA20 4.28%, SMA50 13.42%, SMA200 21.25%). The stock’s 14-day RSI is 67.28 (firm momentum), while the ATR of 0.12 points to higher daily volatility. The stock remains hovering near 52-week lows, trading -4.65% below its high and over 50.99% above its low. Average 10-day trading volume of 28.09 thousand shares is below the 3-month average of 32.05 thousand, indicating normal recent market interest.

Valuation Metrics

OptimumBank Holdings, Inc. trades at a P/E ratio of 3.83, slightly below the S&P 500 average, with a price-to-sales ratio of 0.89 and a price-to-book ratio of 0.53 suggesting the stock is closer to book value. The P/FCF stands at 3.87, also below market averages.

Dividend & Fair Value

OptimumBank Holdings, Inc. last paid a dividend of 0 per share, Dividend and splits history remains an important factor for investors monitoring long-term returns. A discounted cash flow model estimates fair value at around $16.42. This means the shares are trading below this model’s fair value.

Earnings & Analyst Outlook

Analyst sentiment is bullish. Analyst rating data shows there are 0 Strong Buy ratings, 1 Buy ratings, 0 Hold ratings, 0 Sell rating and 0 Strong Sell ratings. Price targets range from $6.50 to $6.50. The high target offers 16.28% upside. The low target suggests 16.28% downside. The mean target is $6.50. This offers 16.28% upside. OptimumBank Holdings, Inc. earnings surprise history is a consistent trend of beating forecasts. The quarter that ended April 24, 2026, missed forecasts by 5.26%. The prior quarter beat by -840.74%. Over the last six quarters, Apple has recorded several small beats. These include 126.67% in August 06, 2024.

Shareholding & Insider Activity

OptimumBank Holdings, Inc. has 11.75 million shares outstanding. The public float is 9.56 million shares, elevated short interest at 0.08% of float. This equals 8.41 thousand shares. The short ratio is 0.52 days. Institutional investors hold 20.18% of the float. Insiders own 19.0%. Gubin Moishe holds 794.47 thousand shares, Blisko Michael has 604.64 thousand shares and Borek Sam has 509.81 thousand shares. Over the past six months, insider transactions show net selling. They sold 46.90 thousand shares across 2 transactions.

Financial & Profitability Overview

Over the trailing twelve months, OptimumBank generated $39.23M in revenue, or $5.42 per share. Gross margin was 91.20%, operating margin 21.56%, and net profit margin 16.01%. Returns are modest, with ROA at 0.79% and ROE at 8.97%.
On valuation metrics, OptimumBank trades at a P/E of 3.83, P/S of 0.89 and P/B of 0.53. The current ratio is 1.07 and quick ratio is 1.07. Operationally, the company’s inventory turnover is 0.00 and cash conversion cycle is -10502.15 days , indicating it collects cash faster than it pays suppliers. Debt-to-equity is 0.32, supported by a cash flow-to-debt ratio of 0.45.

Quarterly Financial Highlights

For the quarter ended Dec 31, 2023, OptimumBank posted revenue of $39.23M, down slightly from $18.80M in the prior quarter. Gross profit was $35.78M (margin 91.20%). Operating income was $8.46M (margin 21.6%). Net income was$6.28M (EPS $0.87).
The company ended the quarter with $38.36M in cash and short-term investments, a total debt of $77.85M, and net debt of $1.19M. Total assets were $792.44M, with equity of $70.01M. Financials further reflected stability, with operating cash flow of $6.88M, free cash flow of $6.21M, and capital expenditures of - $668.00K.

Price Forecast & Outlook

Our AI price prediction model suggests that OptimumBank Holdings, Inc. stock has strong potential for upside but may face short-term weakness followed by gains in the medium and long term. 2-Week Outlook: Projected increase of 6.8%, with price expected at $5.97 by May 22, 2026, within a range of $4.96 to $7.01 3-Month Outlook: Projected fall of -7.33%, reaching $5.18 by August 06, 2026, with a range of $4.94 to $5.42. 1-Year Outlook: Projected gain of 364.4%, with price at $25.96 by May 07, 2027, within a range of $25.81 to $26.11.

Key Takeaways

OptimumBank Holdings, Inc. (AMEX:OPHC) shares are up 11.76% year-to-date currently trading near 52-week highs band. Short-term momentum has been positive over the last quarter, despite recent volatility. Valuation shows OptimumBank Holdings, Inc. trading at a premium to the broader market with a P/E of 3.83. Analyst sentiment is bullish, with the majority of ratings in Buy territory and a mean price target of $6.50, suggesting 16.28% upside. Our AI forecast model points to short-term strength (6.8% over two weeks), a medium-term fall (-7.33% over three months), and a longer-term gain (364.4% over one year), with expected trading ranges indicating moderate volatility.

Frequently Asked Questions

What is the current OptimumBank Holdings, Inc. (OPHC) stock price?

OptimumBank Holdings, Inc. (NASDAQ: OPHC) stock price is $5.59 in the last trading session. During the trading session, OPHC stock reached the peak price of $5.59 while $5.50 was the lowest point it dropped to. The percentage change in OPHC stock occurred in the recent session was 0.54% while the dollar amount for the price change in OPHC stock was $0.03.

OPHC's industry and sector of operation?

The NASDAQ listed OPHC is part of Banks - Regional industry that operates in the broader Financial Services sector. OptimumBank Holdings, Inc. designs, manufactures, and markets smartphones, personal computers, tablets, wearables, and accessories worldwide.

Who are the executives of OPHC?

Ms. Lisa Corr
Assistant Vice President of Lending
Ms. Rosa M. Arias
Head Teller
Mr. Gene Babchick
Director of Bus. Devel.
Mr. Joel J. Klein
Interim Principal Financial Officer & Director
Mr. Frank A. Nelson
Senior Vice President of Lending
Ms. Lesile M. Legg
Vice President of Bank Operations, Branch Admin. & HR
Mr. Timothy L. Terry
Principal Executive Officer

How OPHC did perform over past 52-week?

OPHC's closing price is 42.97% higher than its 52-week low of $3.91 where as its distance from 52-week high of $5.64 is -0.89%.

How many employees does OPHC have?

Number of OPHC employees currently stands at 73.

Link for OPHC official website?

Official Website of OPHC is: https://www.optimumbank.com

How do I contact OPHC?

OPHC could be contacted at phone 954 900 2800 and can also be accessed through its website. OPHC operates from 2929 East Commercial Boulevard, Fort Lauderdale, FL 33308, United States.

How many shares of OPHC are traded daily?

OPHC stock volume for the day was 28.25K shares. The average number of OPHC shares traded daily for last 3 months was 33.81K.

What is the market cap of OPHC currently?

The market value of OPHC currently stands at $68.01M with its latest stock price at $5.59 and 12.17M of its shares outstanding.

Stocks Telegraph provides information and tools designed to assist investors and Wall Street players. A major goal is to offer financiers comprehensive information that will help them gain insight into investing.

Stocks Telegraph does not provide any advice or recommendations for buying or selling stocks, securities, or other financial products. Information contained on this website is for informational purposes only and should not be construed as professional financial, investment or other advice. Stocks Telegraph is not liable for any loss or damage that may occur as a result of reliance on this data.

Employees	73
Beta	0.28
Sales or Revenue	$39.23M
5Y Sales Change%	0.849%
Fiscal Year Ends	December
Sector	Financial Services
Industry	Banks - Regional

OPHC Company Profile and Key Details

OptimumBank

Price Chart

Stock Price Today

Stock Snapshot

Relevant Articles

SEC Fillings

Current Report (8-k)

Annual Report (10-k)

Stock Price History Chart

Contact Details

About Company

Company Information

Stock Peers

Company Overview

Technical Performance

Valuation Metrics

Dividend & Fair Value

Earnings & Analyst Outlook

Shareholding & Insider Activity

Financial & Profitability Overview

Quarterly Financial Highlights

Price Forecast & Outlook

Key Takeaways

Frequently Asked Questions

Stock Snapshot

Technical Performance

Shareholding & Insider Activity

Financial & Profitability Overview

Quarterly Financial Highlights

Earnings & Analyst Outlook

Company Overview

Dividend & Fair Value

Price Forecast & Outlook

Key Takeaways

Valuation Metrics