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OptimumBank(NYSEMKT) OPHC

Market Cap$180.32MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2003)-99%
5 Year+10%
1 Year+69%
1 Month+29%
$7.60
+7.80%
+0.55Today
After hours$7.56-$0.04 (-0.53%)
OptimumBank last closing stock price
MetricPriceDate
Last closeUSD 7.602026-07-31
OptimumBank stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+20.63%USD 6.302026-07-24
1 month+29.25%USD 5.882026-07-01
3 month+36.45%USD 5.572026-05-01
Year to date+78.82%USD 4.252025-12-31
1 year+68.89%USD 4.502025-07-31
3 year+138.99%USD 3.182023-08-01
5 year+9.99%USD 6.912021-07-30
Since inception-99.28%USD 1,053.052003-05-08

OptimumBank Financials at a Glance

Market Cap

$180.32MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$78.65M

Net Income (TTM)

$20.49M

EPS (TTM)

$0.87

P/E Ratio

8.71

Dividend

$0.00

Beta (Volatility)

0.37 (Low)

Price

$7.60

Volume

228,692

Open

$7.11

Previous Close

$7.60

Daily Range

$7.05 - $7.63

52-Week Range

$3.91 - $7.63

Estimated Earnings Date

Nov 9, 2026

OPHC News

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OptimumBank (OPHC) Q2 EPS Jumps 93%

Motley Fool Markets TeamAug 6, 2025

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About OptimumBank

OptimumBank offers checking and savings accounts for individuals and businesses. It provides loans for homes, businesses, and construction projects. The bank helps customers manage money and access funds easily.

Banking, But Not Boring: What OptimumBank Offers

  • Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses (revenue breakdown not disclosed).
  • Real Estate Loans: Financing for residential, commercial, multi-family, and construction projects (61% of loans in commercial real estate).
  • Commercial Lending: Loans and credit lines for business working capital and equipment (6.4% of loans in commercial lending).
  • Consumer Loans: Personal, auto, and home improvement loans for individuals (7.6% of loans in consumer lending).
  • Specialty Services: SBA-guaranteed loans, treasury management, and services for merchant cash advance providers (revenue breakdown not disclosed).

Growth Spurts and Strategic Moves

  • Entered SBA-guaranteed lending in late 2023, gaining Preferred Lender status in Q1 2025.
  • Launched ATM equity offering program in August 2024 to raise growth capital.
  • Upgraded core banking system and invested in automation in 2025.
  • Expanded focus on niche markets, including skilled nursing facilities and merchant cash advance providers, since 2024.
  • Grew deposit base in South Florida through 2025.

Why OptimumBank Stands Out (Without the Hype)

OptimumBank targets both local customers and national niche markets, such as skilled nursing facilities. It invests in technology to improve efficiency and customer experience. The bank maintains strong credit oversight and a diversified deposit base.

Five Things You Need to Know

  • Total revenue was $17 million in Q2 2025, up 6.3% year-over-year.
  • Net earnings reached $7.5 million for six months ended June 2025, up 27% year-over-year.
  • Total assets were $999.1 million as of June 30, 2025.
  • Return on average equity was 13.9% for six months ended June 2025.
  • Allowance for credit losses rose to $9.3 million (1.19% of loans) in June 2025.

Bottom Line

OptimumBank has grown by expanding services, investing in technology, and targeting niche markets. Its focus on credit quality and diversified products supports steady performance in a competitive banking sector.

AI Generated • Apr 16, 2026

Industry

Banks

Sector

Financials

Employees

98

CEO

Moishe Gubin, CPA

Website

www.optimumbank.com

Headquarters

Fort Lauderdale, FL 33308, US

OPHC Financials

Key Financial Metrics (TTM)

Gross Margin

69.38%

Operating Margin

34.53%

Net Income Margin

26.06%

Return on Equity

16.39%

Return on Capital

12.70%

Return on Assets

1.46%

Earnings Yield

11.48%

Dividend Yield

0.00%

Payout Ratio

0.00%

Stock Overview

Market Cap

$180.32MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

23.73M

Volume

228.69K

Avg. Volume

49.33K

Financials (TTM)

Gross Profit

$54.57M

Operating Income

$27.16M

EBITDA

$27.51M

Operating Cash Flow

$22.58M

Capital Expenditure

-$445.00K

Free Cash Flow

$22.13M

Cash & ST Invst.

$41.28M

Total Debt

$5.09M

OptimumBank Performance Analysis

OptimumBank annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 22,842,00093.2%
20232023-12-31USD 39,232,00071.8%
20242024-12-31USD 64,252,00063.8%
20252025-12-31USD 71,128,00010.7%
OptimumBank sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-305.1%
Q42025-12-314.7%
Q12026-03-3110.8%
Q22026-06-30-6.1%
OptimumBank annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 0.68-58.2%
20232023-12-31USD 0.8728.5%
20242024-12-31USD 1.3353.6%
20252025-12-31USD 0.71-46.7%
OptimumBank sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-3020.7%
Q42025-12-3114.3%
Q12026-03-31-2.5%
Q22026-06-3043.6%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$19.94M

+14.5%

Gross Profit

$14.89M

+35.0%

Gross Margin

74.69%

N/A

Market Cap

$180.32MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$1.84M

N/A

Employees

98

N/A

Net Income

$6.66M

+84.8%

EBITDA

$9.08M

+58.4%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$41.28M

-77.3%

Total Debt

$5.09M

+91.4%

Accounts Receivable

$4.86M

+54.9%

Inventory

$0.00

N/A

Long Term Debt

$2.55M

-4.3%

Short Term Debt

$2.55M

N/A

Return on Assets

1.46%

N/A

Return on Invested Capital

1.94%

N/A

Free Cash Flow

$7.43M

+160.6%

Operating Cash Flow

$7.87M

+151.0%

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Questions About OPHC

What is the current price of OptimumBank?

OptimumBank is trading at $7.60 per share.

What is the 52-week range for OptimumBank?

Over the past 52 weeks, OptimumBank has traded between $3.91 and $7.63.

How much debt does OptimumBank have?

As of the most recent reporting period, OptimumBank reported total debt of $41.55M.

How much cash does OptimumBank have on hand?

OptimumBank does not have cash on hand data available.

What is OptimumBank’s dividend yield?

OptimumBank does not currently have a dividend yield.

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