OptimumBank Holdings, Inc. (OPHC)
NYSE · National Commercial Banks · Finance, insurance and real estate · CIK 1288855 · fiscal year ends in Dec
Closing price $9.11 on 30 Oct 2026; 52-week range $3.95 to $10.10.
Key figures
The last twelve months reported, with the latest price and balance sheet.
- Revenue, last twelve months
- $58.8M
- Revenue growth
- 36.4%
- Net income, last twelve months
- $20.5M
- Earnings per share
- $0.87
- Net margin
- 34.9%
- Free cash flow
- $25.5M
- Return on equity
- 15.3%
- Market value
- $112.4M
- Price to earnings
- 10.5x
- Cash
- $146.2M
- Debt
- $39.0M
- Debt to equity
- 0.29
- Shares outstanding
- 12.3M
Financial statements
Revenue, profit and cash flow by fiscal year, each year linked to its annual report.
| Fiscal year | Year end | Revenue | Operating income | Net income | EPS | Free cash flow | Filing |
|---|---|---|---|---|---|---|---|
| FY2025 | 31 Dec 2025 | $49.4M | – | $16.6M | $0.71 | $16.9M | 10-K filed 26 Feb 2026 |
| FY2024 | 31 Dec 2024 | $39.3M | – | $13.1M | $1.33 | $14.6M | 10-K filed 26 Feb 2025 |
| FY2023 | 31 Dec 2023 | $27.2M | – | $6.3M | $0.87 | $6.2M | 10-K filed 8 Mar 2024 |
| FY2022 | 31 Dec 2022 | $18.8M | – | $4.0M | $0.68 | $10.0M | 10-K filed 6 Mar 2023 |
| FY2021 | 31 Dec 2021 | $11.2M | – | $6.3M | $1.61 | $3.4M | 10-K filed 8 Mar 2022 |
By quarter
| Quarter | Quarter end | Revenue | Net income | EPS |
|---|---|---|---|---|
| Q2 FY2026 | 30 Jun 2026 | $17.2M | $6.7M | $0.28 |
| Q1 FY2026 | 31 Mar 2026 | $15.0M | $4.7M | $0.20 |
| Q4 FY2025 | 31 Dec 2025 | $13.6M | $4.9M | $0.21 |
| Q3 FY2025 | 30 Sep 2025 | $13.0M | $4.3M | $0.18 |
| Q2 FY2025 | 30 Jun 2025 | $12.1M | $3.6M | $0.29 |
| Q1 FY2025 | 31 Mar 2025 | $10.7M | $3.9M | $0.32 |
| Q4 FY2024 | 31 Dec 2024 | $10.3M | $3.9M | $0.36 |
| Q3 FY2024 | 30 Sep 2024 | $10.1M | $3.3M | $0.32 |
Company events
The newest 8-K filings of 171 held.
| Filed | Form | Event | Items |
|---|---|---|---|
| 19 Aug 2026 | 8-K | Material agreement, New debt, Investor update | 1.01, 2.03, 7.01, 9.01 |
| 13 Aug 2026 | 8-K | Investor update | 7.01, 9.01 |
| 24 Jul 2026 | 8-K | Results, Investor update | 2.02, 7.01, 9.01 |
| 5 May 2026 | 8-K | Leadership change | 5.02, 9.01 |
| 4 May 2026 | 8-K | Shareholder vote | 5.07, 9.01 |
| 24 Apr 2026 | 8-K | Results, Investor update | 2.02, 7.01, 9.01 |
| 23 Feb 2026 | 8-K | Other events | 8.01, 9.01 |
| 2 Feb 2026 | 8-K | Results, Investor update | 2.02, 7.01, 9.01 |
| 30 Jan 2026 | 8-K | Material agreement, Share sale | 1.01, 3.02, 9.01 |
| 20 Jan 2026 | 8-K | Results, Investor update | 2.02, 7.01, 9.01 |
| 12 Nov 2025 | 8-K | Results, Investor update | 2.02, 7.01, 9.01 |
| 16 Oct 2025 | 8-K | Results, Investor update | 2.02, 7.01, 9.01 |
Every filing
The newest filings with the SEC of 370 held.
| Filed | Form | Period |
|---|---|---|
| 21 Sep 2026 | EFFECT | – |
| 11 Sep 2026 | DEL AM | – |
| 10 Sep 2026 | S-4 | – |
| 19 Aug 2026 | 8-K | 19 Aug 2026 |
| 13 Aug 2026 | 8-K | 13 Aug 2026 |
| 10 Aug 2026 | 10-Q | 30 Jun 2026 |
| 24 Jul 2026 | 8-K | 24 Jul 2026 |
| 12 May 2026 | 10-Q | 31 Mar 2026 |
| 5 May 2026 | 8-K | 1 May 2026 |
| 4 May 2026 | 8-K | 28 Apr 2026 |
| 24 Apr 2026 | 8-K | 24 Apr 2026 |
| 31 Mar 2026 | DEFA14A | – |
Insider trades
Form 4 trades by officers, directors and 10% owners, last 12 months.
| Traded | Insider | Type | Shares | Price | Value | Held after | Form 4 |
|---|---|---|---|---|---|---|---|
| 2 Feb 2026 | Terry Timothy, PEO | Sale outside a trading plan | 39,304 | $4.73 | $185.9K | 0 | 4 Feb 2026 |
| 4 Dec 2025 | Blisko Michael, Director | Sale outside a trading plan | 7,600 | $4.09 | $31.1K | 604,645 | 8 Dec 2025 |
Planned insider sales
Form 144 notices, filed when the sell order goes to the broker.
| Filed | Seller | Shares | Value | Planned sale |
|---|---|---|---|---|
| 5 Jan 2026 | Terry Timothy, Officer | 39,304 | $166.6K | 5 Jan 2026 |
Large holders
Schedule 13D and 13G filings by holders of more than 5% of the voting shares.
| Filed | Holder | Schedule | Stake | Shares |
|---|---|---|---|---|
| 14 Aug 2026 | AllianceBernstein L.P. | 13G | 5% | 616.2K |
| 17 Feb 2026 | AllianceBernstein L.P. | 13G amended | 4.2% | 489.7K |
| 14 Nov 2025 | AllianceBernstein L.P. | 13G | 5.6% | 652.9K |
Short interest
Shares sold short and not yet bought back, on each FINRA settlement date.
| Settlement | Shares short | Change | Days to cover |
|---|---|---|---|
| 15 Oct 2026 | 97.9K | -5.62% | 1.55 |
| 30 Sep 2026 | 103.7K | -2.47% | 1.18 |
| 15 Sep 2026 | 106.3K | +157.18% | 1.13 |
| 31 Aug 2026 | 41.3K | +62.44% | 1 |
| 14 Aug 2026 | 25.4K | +41.39% | 1 |
| 31 Jul 2026 | 18.0K | +28.91% | 1 |
| 15 Jul 2026 | 14.0K | +92.46% | 1.02 |
| 30 Jun 2026 | 7.3K | -25.48% | 1 |
Funds that hold it
From each fund's latest Form 13F.
25 funds held it at 30 Jun 2026: 16 added and 2 trimmed in the quarter. The largest:
| Fund | Shares | Value | Change in the quarter |
|---|---|---|---|
| AllianceBernstein L.P. | 616,168 | $3.1M | +32,433 |
| Wellington Management Group LLP | 431,634 | $2.5M | +431,634 |
| Vanguard Capital Management LLC | 406,480 | $2.4M | +62,337 |
| Renaissance Technologies LLC | 155,051 | $905.5K | +30,451 |
| Geode Capital Management, LLC | 107,840 | $629.8K | +28,355 |
| Morgan Stanley | 100,002 | $584.0K | 0 |
| Mink Brook Asset Management LLC | 78,552 | $458.7K | +78,552 |
| Dimensional Fund Advisors LP | 77,662 | $453.5K | +6,175 |
| Sparta 24 Ltd. | 73,443 | $428.9K | +73,443 |
| Vanguard Fiduciary Trust Co. | 61,244 | $357.7K | +4,267 |
Peers
Companies in the same industry.
- JPMorgan Chase & Co. (JPM): revenue $199.4B, market value $896.1B
- Bank of America Corp. (BAC): revenue –, market value $346.2B
- Wells Fargo & Company (WFC): revenue $87.2B, market value $250.4B
- Citigroup Inc. (C): revenue $91.4B, market value $205.7B
- Capital One Financial Corp. (COF): revenue $62.0B, market value $125.7B
- Mizuho Financial Group Inc. (MFG): revenue $29.9B, market value $118.3B
- U.S. Bancorp (USB): revenue $29.6B, market value $92.6B
- PNC Financial Services Group, Inc. (PNC): revenue $25.0B, market value $90.9B
- Truist Financial Corp. (TFC): revenue $19.4B, market value $58.5B
- Huntington Bancshares Inc. (HBAN): revenue $10.4B, market value $31.8B