OptimumBank Holdings, Inc.(OPHC)— Stock Profile, AI Score & Financials
Financials · NYSE · AI-powered stock analysis, 32-signal quality score, SEC EDGAR financials, and institutional holdings. Updated .
OptimumBank Holdings, Inc. (OPHC) stock profile, AI quality score, and SEC EDGAR financial data, a Financials sector company. 13F Pro's AI-powered ranking engine scores OPHC at 65.1/100 on a 32-signal composite quality model, placing it at rank #506 of 2,962 stocks — the top 25% of the AI-ranked universe. OPHC scores in the top quartile across profitability (92.7), free cash flow (92.6), revenue growth (89.7). Areas of concern include revenue scale (10.4), which score below median versus the broader universe. Shareholder dilution risk is elevated at 42.2/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), OptimumBank Holdings, Inc. reports quarterly revenue of $17.2M, net income of $6.7M, free cash flow of $9.8M. Top institutional holders of OPHC by reported 13-F value include ALLIANCEBERNSTEIN L.P., WELLINGTON MANAGEMENT GROUP LLP, VANGUARD CAPITAL MANAGEMENT, based on the most recent SEC filings. OPHC trades on the NYSE exchange and files with the SEC under CIK 1288855. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate OPHC daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for OptimumBank Holdings, Inc. directly from SEC EDGAR.
AI Quality Score
65.1/100
AI Rank
#506
Revenue
$17.2M
Net Income
$6.7M
Free Cash Flow
$9.8M
OPHC key financials by period
OptimumBank Holdings, Inc. reported revenue, net income and margins by fiscal period, from SEC filings.
Period
Form
Revenue
Net income
Operating margin
FY 2025
10-K
$49.4M
$16.6M
44.9%
FY 2024
10-K
$39.3M
$13.1M
44.9%
FY 2023
10-K
$27.2M
$6.3M
31.1%
FY 2022
10-K
$18.8M
$4.0M
28.7%
FY 2021
10-K
$11.2M
$6.3M
27.5%
FY 2020
10-K
$5.3M
$-782.0K
-14.8%
Institutions holding OPHC
Institutional investors reporting a position in OptimumBank Holdings, Inc. on SEC Form 13F.
AI-extracted from the 10-Q filed 2026-08-10 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.
OptimumBank net income surged 85% YoY to $6.7M in Q2 2026 as loan portfolio growth and deposit expansion drove net interest income 43% higher.
Biggest Revenue Drivers
Loan interest income$20.4M+45% YoY
Increase in average loan balances from continued loan portfolio growth
Other interest income$1.1M-19% YoY
Lower yields on interest-bearing deposits and FHLB stock dividends
Biggest Revenue Drivers
Loan interest income$20.4M+45% YoY
Increase in average loan balances from continued loan portfolio growth
Other interest income$1.1M-19% YoY
Lower yields on interest-bearing deposits and FHLB stock dividends
Securities interest income$0.2M+29% YoY
Stable securities portfolio with slight yield improvement
Noninterest income$2.5M+36% YoY
Consistent wire transfer and ACH fees; gains on SBA loan sales
Largest Expense Items
Salaries and employee benefits$5.3M+41% YoY
Growth in headcount and compensation to support operations expansion
Interest expense on deposits$6.6M+25% YoY
Increased average deposit balances and slightly higher deposit costs
Other noninterest expenses$1.2M+15% YoY
General operating expenses supporting business growth
Margins: Net interest margin improved to 4.57% in Q2 2026 from 4.32% in Q2 2025, expanding 25 basis points despite higher deposit costs, reflecting strong loan growth and better asset yields driving net interest income up 43% YoY.
Watch Items from the Filing
Loan portfolio concentrated in commercial real estate ($905.2M at June 30, 2026), representing 74% of total loans, with significant exposure to South Florida market conditions and economic cycles.
Related party financing: $14.0M in outstanding borrowings from Board member to support OptimumFunding subsidiary lending activities as of June 30, 2026.
Allowance for credit losses decreased to 0.91% of total loans at June 30, 2026 from 1.07% at December 31, 2025, despite 27% loan portfolio growth, reflecting management's revised loss expectations.
Loan portfolio nonaccrual loans totaled $2.2M at June 30, 2026 (0.18% of loans), all in commercial segment, indicating tight credit quality with minimal stressed assets.
AI-extracted and verified against SEC EDGAR filing text. Not investment advice.
