OptimumBank Holdings, Inc.
OptimumBank Holdings, Inc. (NYSE American: OPHC) is a bank holding company whose business is the ownership and operation of OptimumBank, a Florida state-chartered bank offering commercial and consumer banking services to individuals, businesses and other organizations. The Bank provides deposit accounts, payment and… From the company’s description.
Over the twelve months to Jun 30, 2026, OptimumBank Holdings, Inc. reported revenue of $58.79M, up 36.4% from a year earlier, and net income of $20.49M. Its pre-tax margin was 46.2%. In fiscal 2025, it reported revenue of $49.36M, up 25.6% from fiscal 2024, and net income of $16.65M.
Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.
What OptimumBank Holdings, Inc. does
In the company’s own words
OptimumBank Holdings, Inc. (NYSE American: OPHC) is a bank holding company whose business is the ownership and operation of OptimumBank, a Florida state-chartered bank offering commercial and consumer banking services to individuals, businesses and other organizations. The Bank provides deposit accounts, payment and treasury management services, online and mobile banking, and loans for commercial and residential real estate, multifamily properties, land and construction, businesses and consumers. Its lending includes working-capital lines, SBA-guaranteed loans and specialized financing for skilled nursing facilities; treasury services include processing high-volume electronic payments for merchant cash advance providers. The Bank operates one main office and three branches in Broward and Miami-Dade counties, with lending focused primarily on South Florida and other Florida markets. The company reports its business through the Bank, rather than separate reportable operating segments. At December 31, 2025, it had $1.1 billion in total assets and $947.3 million in net loans. The company formed OptimumFunding, LLC in late 2025 to develop specialized financing for multifamily and healthcare properties. Its website is www.optimumbank.com.
Company details
- Sector
- Financials
- Industry (SIC)
- Commercial Banks
- Headquarters
- FORT LAUDERDALE, FL
- Fiscal year end
- December
- CIK
- 1288855
- SIC
- 6021
Financial performance, year by year
Fiscal 2011–2025 · USDThe full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.
Who owns OptimumBank Holdings, Inc. — and what changed
Funds as of 2026Q2 · superinvestors as of 2026-06-30
Largest fund holders · OptimumBank Holdings, Inc.’s weight in each
Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.
Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.
Could not be determined for this company: bond issues.
Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.
Recent filings
All filings →Each filing opens into its own statements and disclosures here.
Put this business in context.
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