What is the 13F Pro Quality Score for OPHC?

13F Pro ranks OptimumBank Holdings, Inc. (OPHC) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View OPHC's current score at https://13fpro.ai/company/OPHC (free sign-up required for the full ranking).

Where does 13F Pro source OPHC data?

All OptimumBank Holdings, Inc. fundamentals and ownership data come directly from SEC EDGAR. OptimumBank Holdings, Inc. files with the SEC under CIK 1288855. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is OPHC in?

OptimumBank Holdings, Inc. (OPHC) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

What drives OPHC's revenue?

Per OptimumBank Holdings, Inc.'s latest 10-Q filed with the SEC on 2026-08-10, the biggest revenue drivers are: Loan interest income ($20.4M, +45% YoY); Other interest income ($1.1M, -19% YoY); Securities interest income ($0.2M, +29% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/OPHC.

What are OPHC's largest expenses?

OptimumBank Holdings, Inc.'s latest 10-Q reports these as the largest expense items: Salaries and employee benefits ($5.3M, +41% YoY); Interest expense on deposits ($6.6M, +25% YoY); Other noninterest expenses ($1.2M, +15% YoY). Sourced directly from SEC EDGAR filing text for Q2 FY2026 (quarter ended June 30, 2026).

How often is OPHC research updated on 13F Pro?

OPHC's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

OptimumBank Holdings, Inc.(OPHC)Stock Analysis

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13F Pro Quality Score

65.1/100

Rank #506 of 2,962 stocksTOP 25%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

89.7/100

Profitability

92.7/100

Balance Sheet

50.8/100

Earnings Quality

56.0/100

Free Cash Flow

92.6/100

Institutional Flow

75.5/100

Revenue Scale

10.4/100

Dilution Risk

42.2/100

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Why OPHC Scores 65/100

exact factor attribution · 2026-09-11

OPHC's composite is driven by revenue growth and profitability, held back by scale. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Revenue growth

+10.6 pts

90th pct

Profitability

+8.5 pts

93th pct

Free cash flow

+6.4 pts

93th pct

Earnings growth

+2.6 pts

89th pct

Institutional flow

+1.7 pts

76th pct

Earnings quality

+0.6 pts

56th pct

Capital efficiency

+0.1 pts

51th pct

Shareholder dilution

-0.5 pts

42th pct

Scale

-7.9 pts

10th pct

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

OPHC Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for OptimumBank Holdings, Inc. (OPHC), 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. OptimumBank Holdings, Inc.'s 13F Pro composite quality score has ranged between 35 and 65 since 2026, currently 65.1 — an improving long-term trajectory across 8 quarterly and live scoring snapshots.

✦

Fun facts about OptimumBank Holdings, Inc.

Quirks, history, and lore behind OPHC — the kind of stuff that makes a stock memorable.

1
The Basics
A community bank holding company in the financials sector · listed on Nasdaq · headquartered in South Florida.
2
The Numbers
A micro-cap institution with total assets well under $1 billion — small enough that a single branch day can move the needle.
3
The History
Founded in the early 2000s, it was built to serve small businesses and individuals in the competitive South Florida banking market, surviving the brutal post-2008 shakeout that wiped out many peers.
4
The Secret
Its core strategy is hyper-local relationship banking — the kind where a loan officer actually knows your name, not just your FICO score.
5
The Lore
It operates a handful of full-service branches concentrated in Broward County, making it about as geographically focused as a bank can get without being a credit union.
6
The Giveaway
The word "Optimum" is right there in the name — this Fort Lauderdale-based holding company trades under a ticker that is only one letter away from spelling out its ambitions.

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What's Driving OPHC's Business? Latest 10-Q Breakdown

AI-extracted from OptimumBank Holdings, Inc.'s 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.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q2 2026

$17.2M

Net Income

Q2 2026

$6.7M

Free Cash Flow

Q2 2026

$9.8M

ROIC

Q2 2026

26.3%

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+25.6% YoY

$49.4MFY 2025

FY22 $18.8MFY23 $27.2MFY24 $39.3MFY25 $49.4M

Net Income

+26.9% YoY

$16.6MFY 2025

FY22 $4.0MFY23 $6.3MFY24 $13.1MFY25 $16.6M

EPS (Diluted)

+12.7% YoY

$0.71FY 2025

FY22 $0.68FY23 $0.87FY24 $0.63FY25 $0.71

Total Assets

+19.2% YoY

$1.11BFY 2025

FY22 $585.2MFY23 $791.3MFY24 $932.9MFY25 $1.11B

Op. Cash Flow

+14.3% YoY

$17.8MFY 2025

FY22 $10.4MFY23 $6.9MFY24 $15.6MFY25 $17.8M

Free Cash Flow

+15.9% YoY

$16.9MFY 2025

FY22 $10.0MFY23 $6.2MFY24 $14.6MFY25 $16.9M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$49.4M +25.6%	$39.3M +44.7%	$27.2M +44.5%	$18.8M +68.2%	$11.2M +111.5%	$5.3M
Net Income	$16.6M +26.9%	$13.1M +108.9%	$6.3M +56.2%	$4.0M -36.1%	$6.3M +905.1%	$-782.0K
EPS (Diluted)	$0.71 +12.7%	$0.63 -27.6%	$0.87 +27.9%	$0.68	—	—
Total Assets	$1.11B +19.2%	$932.9M +17.9%	$791.3M +35.2%	$585.2M +66.3%	$351.9M +49.7%	$235.1M
Operating Cash Flow	$17.8M +14.3%	$15.6M +126.8%	$6.9M -33.6%	$10.4M +175.3%	$3.8M +358.1%	$-1.5M
Free Cash Flow	$16.9M +15.9%	$14.6M +135.2%	$6.2M -38.1%	$10.0M +196.8%	$3.4M +304.0%	$-1.7M

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Available Research

13F Pro tracks comprehensive data for OptimumBank Holdings, Inc. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of OPHC

ALLIANCEBERNSTEIN L.P.
$3.1M616,168 sh
WELLINGTON MANAGEMENT GROUP LLP
$2.5M431,634 sh
VANGUARD CAPITAL MANAGEMENT LLC
$2.4M406,480 sh
RENAISSANCE TECHNOLOGIES LLC
$905.5K155,051 sh
GEODE CAPITAL MANAGEMENT, LLC
$629.8K107,840 sh
MORGAN STANLEY
$584.0K100,002 sh
Mink Brook Asset Management LLC
$458.7K78,552 sh
DIMENSIONAL FUND ADVISORS LP
$453.5K77,662 sh
Sparta 24 Ltd.
$428.9K73,443 sh
VANGUARD FIDUCIARY TRUST CO
$357.7K61,244 sh

Fund	Value	Shares
ALLIANCEBERNSTEIN L.P.	$3.1M	616,168
WELLINGTON MANAGEMENT GROUP LLP	$2.5M	431,634
VANGUARD CAPITAL MANAGEMENT LLC	$2.4M	406,480
RENAISSANCE TECHNOLOGIES LLC	$905.5K	155,051
GEODE CAPITAL MANAGEMENT, LLC	$629.8K	107,840
MORGAN STANLEY	$584.0K	100,002
Mink Brook Asset Management LLC	$458.7K	78,552
DIMENSIONAL FUND ADVISORS LP	$453.5K	77,662
Sparta 24 Ltd.	$428.9K	73,443
VANGUARD FIDUCIARY TRUST CO	$357.7K	61,244

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