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Optimumbank
OPHC.US
OptimumBank Holdings, Inc. operates as the bank holding company for OptimumBank that provides various consumer and commercial banking services to individuals and businesses. The company accepts demand interest-bearing and noninterest-bearing, savings, money market, and NOW accounts, as well as time deposits, wire transfers, ACH services, and certificates of deposit. It also offers multi-family real estate, residential and commercial real estate, and land and construction loans; commercial loans for working capital purposes or acquiring equipment, inventory, and furniture; and consumer loans for various purposes, including purchases of automobiles, recreational vehicles, boats, home improvements, lines of credit, personal, and deposit account collateralized loans.
642.38 B
OPHC.USMarket value -Rank by Market Cap -/-

Financial Score

05/12/2025 Update
B
Regional BanksIndustry
Industry Ranking70/306
Industry medianC
Industry averageC
Score Analysis
Peer Comparison
  • Criteria
    Rating
  • Profit ScoreB
    • ROE15.03%A
    • Profit Margin35.94%A
    • Gross Margin0.00%E
  • Growth ScoreA
    • Revenue YoY26.98%A
    • Net Profit YoY34.33%B
    • Total Assets YoY14.58%A
    • Net Assets YoY26.10%A
  • Cash ScoreB
    • Cash Flow Margin278.28%C
    • OCF YoY26.98%A
  • Operating ScoreE
    • Turnover0E
  • Debt ScoreA
    • Gearing Ratio0.00%A

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Institutional View & Shareholder

Analyst Ratings

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    News
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    OptimumBank Reports Strong Q3 2025 Earnings Growth

    OptimumBank Holdings, Inc. reported strong Q3 2025 financial results with net earnings of $4.32 million, increased deposits, and loan growth. Total deposits rose by 9.17% to $959.49 million, and the gross loan portfolio grew by 3.72%. The net interest margin improved to 4.37%. The company plans to maintain growth by leveraging its strong capital position and strategic investments.

    Tip Ranks·
    US
    OPHC
    -2.29%
    Tip Ranks·
    US
    OPHC
    -2.29%

    OptimumBank Holdings, Inc. Financial Performance for the Third Quarter of 2025 | OPHC Stock News

    OptimumBank Holdings, Inc. reported strong financial performance for Q3 2025, with net earnings of $4.32 million ($0.37 per basic share). This marks an increase from $3.60 million in Q2 2025 and $3.30 million in Q3 2024. Total deposits grew by $80.62 million to $959.49 million, while gross loans increased by $29.16 million to $813.72 million. The company’s net interest margin rose to 4.37%, and total assets reached $1.08 billion. Chairman Moishe Gubin highlighted the bank's growth and commitment to delivering value to shareholders amid industry challenges.

    StockTitan·
    US
    OPHC
    -2.29%
    StockTitan·
    US
    OPHC
    -2.29%

    OptimumBank Holdings reports Q3 net earnings of $4.32 million

    OptimumBank Holdings Inc. reported Q3 net earnings of $4.32 million, up from $3.6 million in the previous quarter and $3.3 million year-over-year. Basic earnings per share were $0.37, with diluted earnings at $0.18. For the nine months ending September 30, 2025, net earnings totaled $11.8 million. Total assets rose to $1.08 billion, deposits increased to $959.5 million, and gross loans grew by $29.2 million. Net interest income reached $11.0 million, with a net interest margin of 4.4%.

    Reuters·
    US
    OPHC
    -2.29%
    Reuters·
    US
    OPHC
    -2.29%

    Optimumbank | 10-Q: FY2025 Q3 Revenue: USD 18.3 M

    LB filings·
    US
    OPHC
    -2.29%
    LB filings·
    US
    OPHC
    -2.29%

    OptimumBank Holdings reports $11.8 million net earnings for nine months ended September 30, 2025

    OptimumBank Holdings Inc. reported net earnings of $11.8 million for the nine months ended September 30, 2025, a 29% increase from $9.2 million in the same period of 2024. Basic earnings per share were $1.00, while diluted earnings per share were $0.50. Total interest income rose 7% to $46.9 million, and net interest income increased 21% to $30.7 million. Noninterest income grew 42% to $5.0 million, with noninterest expenses rising 22% to $18.4 million. The results reflect higher average balances of interest-earning assets and lower deposit rates.

    Reuters·
    US
    OPHC
    -2.29%
    Reuters·
    US
    OPHC
    -2.29%
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