OptimumBank Holdings, Inc.(OPHC)Stock Analysis
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Limited institutional coverage
Quality rankings require at least 50 unique 13-F institutional holders to ensure peer comparisons are meaningful. Only 18 institutional filers currently hold this stock.
Financial data, filings, and institutional holdings below are still tracked in full — only the proprietary quality composite is unavailable for this name.
OPHC Stock Analysis & AI Quality Score
AI stock analysis and institutional research for OptimumBank Holdings, Inc. (OPHC), a Financials sector company. OPHC is not currently included in 13F Pro's AI-ranked quality universe — quality rankings require at least 50 unique 13-f institutional holders to ensure peer comparisons are meaningful. only 18 institutional filers currently hold this stock. Based on the latest XBRL financial filings (Q1 2026), OptimumBank Holdings, Inc. reports quarterly revenue of $15.0M, net income of $4.7M, free cash flow of $7.4M. Top institutional holders of OPHC by reported 13-F value include ALLIANCEBERNSTEIN L.P., VANGUARD CAPITAL MANAGEMENT, RENAISSANCE TECHNOLOGIES, 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.
Revenue
Q1 2026
$15.0M
Net Income
Q1 2026
$4.7M
Free Cash Flow
Q1 2026
$7.4M
Revenue & Net Income
Earnings Per Share
Key Financials Over Time
Export Financial Table · Pro+Net Income
+108.9% YoYEPS (Diluted)
-27.6% YoYTotal Assets
+17.9% YoYOp. Cash Flow
+126.8% YoY| Metric | FY 2024 | FY 2023 | FY 2019 | FY 2018 | FY 2017 | FY 2015 |
|---|---|---|---|---|---|---|
| Net Income | $13.1M +108.9% | $6.3M +671.2% | $-1.1M -238.2% | $796.0K +235.1% | $-589.0K -261.3% | $-163.0K |
| EPS (Diluted) | $0.63 -27.6% | $0.87 | — | — | $-0.53 -211.8% | $-0.17 |
| Total Assets | $932.9M +17.9% | $791.3M +524.3% | $126.7M +26.6% | $100.1M +4.5% | $95.9M -24.8% | $127.5M |
| Operating Cash Flow | $15.6M +126.8% | $6.9M +1333.3% | $-558.0K -2425.0% | $24.0K -95.8% | $570.0K | — |
AI Insight: OPHC Financial Trends
Net income stable at $4–5M quarterly while operating cash flow surged to $8M in Q1 2026, but equity growth outpacing profitability signals balance-sheet expansion without commensurate earnings lift.
• Operating cash flow jumped to $8M in Q1 2026 from $2M in Q3 2025, signaling improved liquidity generation.
• Net income rose modestly from $3M in Q2–Q3 2024 to $5M in Q4 2025–Q1 2026, demonstrating modest profitability gains.
• Equity expanded 46% from $87M (Q2 2024) to $127M (Q1 2026), while net income remained flat year-over-year.
⚠ Operating cash flow volatility (range $2M–$8M) suggests inconsistent cash generation despite stable earnings.
⚠ Equity-to-debt ratio compressed; total debt rose from zero baseline to implied high leverage relative to modest $5M quarterly profit.
AI Insight: OPHC Ratio Trends
OptimumBank's returns compressed to multi-year lows despite Q4 2025 bounce, with ROE declining 130bp year-over-year to 14.7% in Q1 2026.
• ROE fell from 16.1% in Q2 2024 to 14.7% in Q1 2026, a 140bp contraction over 9 quarters.
• ROIC compressed from 21.4% in Q2 2024 to 19.5% in Q1 2026; current TTM stands at 18.3%, lowest in dataset.
• Q4 2025 showed temporary strength with ROE 15.9% and ROIC 21.2%, but Q1 2026 reversal signals continued volatility.
⚠ ROA deteriorated from 1.6–1.8% range (2024–2025) to 1.5% in Q1 2026; sustained pressure on profitability.
⚠ Q2 2025 marked the nadir (ROE 12.9%, ROIC 17.4%); recovery incomplete despite Q4 rebound.
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Available Research
13F Pro tracks comprehensive data for OptimumBank Holdings, Inc. including:
Top Institutional Holders of OPHC
ALLIANCEBERNSTEIN L.P.
$2.5M583,735 shVANGUARD CAPITAL MANAGEMENT LLC
$1.8M344,143 shRENAISSANCE TECHNOLOGIES LLC
$635.5K124,600 shSUSQUEHANNA INTERNATIONAL GROUP, LLP
$610.8K119,758 shMORGAN STANLEY
$510.0K100,002 shGEODE CAPITAL MANAGEMENT, LLC
$405.4K79,485 shDIMENSIONAL FUND ADVISORS LP
$355.3K71,487 shLPL Financial LLC
$314.1K61,597 shVANGUARD FIDUCIARY TRUST CO
$290.6K56,977 shBRIDGEWAY CAPITAL MANAGEMENT, LLC
$161.2K31,600 sh
| Fund | Value | Shares |
|---|---|---|
| ALLIANCEBERNSTEIN L.P. | $2.5M | 583,735 |
| VANGUARD CAPITAL MANAGEMENT LLC | $1.8M | 344,143 |
| RENAISSANCE TECHNOLOGIES LLC | $635.5K | 124,600 |
| SUSQUEHANNA INTERNATIONAL GROUP, LLP | $610.8K | 119,758 |
| MORGAN STANLEY | $510.0K | 100,002 |
| GEODE CAPITAL MANAGEMENT, LLC | $405.4K | 79,485 |
| DIMENSIONAL FUND ADVISORS LP | $355.3K | 71,487 |
| LPL Financial LLC | $314.1K | 61,597 |
| VANGUARD FIDUCIARY TRUST CO | $290.6K | 56,977 |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $161.2K | 31,600 |
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Popular Research
Is OPHC a good stock to buy?
13F Pro's AI-powered analysis of OptimumBank Holdings, Inc. (OPHC) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on NYSE). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for OPHC are available on the OPHC stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.
Which hedge funds own OPHC?
Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling OPHC. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of OptimumBank Holdings, Inc.'s investment landscape.