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OptimumBank Holdings, Inc. (OPHC)

OptimumBank Holdings, Inc. operates as the bank holding company for OptimumBank, which provides various consumer and commercial banking services to individuals and businesses. The company accepts interest-bearing and noninterest-bearing, savings, money market, and NOW accounts, as well as time deposits, wire transfers, ACH services, and certificates of deposit. It also offers multi-family real estate, residential and commercial real estate, and land and construction loans; commercial loans for working capital purposes or acquiring equipment, inventory, and furniture; and consumer loans for various purposes, including purchases of automobiles, recreational vehicles, boats, home improvements, lines of credit, personal, and deposit account collateralized loans. In addition, the company provides debit and ATM cards; cash management, notary, and night depository services; and direct deposits, money orders, cashier's checks, domestic collections, and banking by mail. OptimumBank Holdings, Inc. was founded in 2000 and is headquartered in Fort Lauderdale, Florida.

Sector: National Commercial Banks

Industry: Banks - Regional

OptimumBank Holdings, Inc. logo

OptimumBank Holdings, Inc.

NYSE:OPHCFinancial Services
-3.28%$8.55
AH Close$8.55+0.00%vs close
Mkt Cap$107.99M
Float10.26M
O/S12.63M
Inst Own18.7%
SI1.0%
Dilution
Historical Data
DateOpenHighLowCloseVolume
Key Metrics
Market Cap$107.99M
Enterprise Value--
P/E Ratio7.73
Est. Net Cash/Share--
Institutional Ownership18.68%

based on 12.63M shares outstanding

SectorFinancial Services
IndustryBanks - Regional
ExchangeNYSE American
CountryUSUS
IPO DateDec 31, 2024
Shares Outstanding12.63M
Float10.26M
Company Overview

OptimumBank Holdings, Inc. operates as the bank holding company for OptimumBank that provides various consumer and commercial banking services to individuals and businesses.

It accepts demand interest-bearing and noninterest-bearing, savings, money market, NOW, and time deposit accounts, as well as certificates of deposit; and offers residential and commercial real estate, multi-family real estate, commercial, land and construction, and consumer loans, as well as lending lines for working capital needs.

The company also provides debit and ATM cards; investment, cash management, notary, and night depository services; and direct deposits, money orders, cashier's checks, domestic collections, and banking by mail, as well as internet banking services.

It operates through two banking offices located in Broward County, Florida.

The company was founded in 2000 and is based in Fort Lauderdale, Florida.

Leadership

Joel Klein

Director

Elliot Nunez

Executive Vice President & Chief Financial Officer

Frank A. Nelson

Senior Vice President of Lending

Lesile Legg

Vice President of Bank Operations, Branch Administration & Human Resources

Independent: 5 of 6 listed

Employees

73

Country

US

Sector

Financial Services

Website

optimumbank.com

Analyst Coverage
Analyst Coverage
ConsensusBuy
Price Target (median, last 90d)
$11.00+28.7%
Low $11High $11
Ratings Distribution
BUY
1
HOLD
0
SELL
0
TOTAL1
Insider Trading
InsiderTypeShares
Terry Timothy profile photoTerry TimothySale39.3K
Blisko Michael profile photoBlisko MichaelOther531.2K
Blisko Michael profile photoBlisko MichaelOther65
Blisko Michael profile photoBlisko MichaelSale7.6K
Blisko Michael profile photoBlisko MichaelPurchase7.6K
Gubin Moishe profile photoGubin MoishePurchase264
Shareholders
18.7%
Institutional
(24)
9.0%
Insiderⓘ
(1)
0.0%
5%+ Owners
(0)
72.3%
Unattributed (incl. retail)ⓘ
Institutional18.7%
Insider9.0%
Unattributed (incl. retail)72.3%
Sources: 13F, Form 4, 13D/13GO/S: 12.6M · checked 25 Oct 2026 · market-data provider
Insiders & Institutional Holders
52-Week Range
$3.91$10.68
$8.55(69th percentile)
Volume
Average Daily Volume60.61K
69.37K today vs 60.61K avg(+14%)

30d Avg

60.61K

60d Avg

79.04K

90d Avg

125.32K

Earnings
Dividend History
No dividend history available
Compliance Status
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