OptimumBank Holdings, Inc. (OPHC) Latest Filing Signal

Based on earningsVibe SuperAnalyst™ synthesis of the latest 10-K, OptimumBank Holdings, Inc.'s filing signal turned positive.

OptimumBank Holdings, Inc. operates as a bank holding company for OptimumBank, a Florida-chartered commercial bank established in 2000. The Bank offers a range of consumer and commercial banking services through its headquarters and three branch offices in Broward and Miami-Dade counties, Florida, and also markets deposit and electronic funds transfer services nationally to merchant cash advance providers. Its primary revenue streams are interest and fees from real estate and other loans, securities, and service charges on payment transactions. The company leverages its experience in niche markets like skilled nursing facilities and merchant cash advance providers, while also expanding its SBA lending capabilities and forming a non-bank subsidiary for HUD-insured mortgage loans. At December 31, 2025, the company reported total assets of $1.1 billion and net income of $16.6 million for the year.

Revenues are primarily derived from interest and fees on loans, interest from securities and short-term investments, and service charges on payment transactions. Funding for lending activities comes from deposits, borrowings, and loan/security repayments.