OPHC - NASDAQ

OptimumBank Holdings, Inc.

OPHC·NASDAQ

$5.43

+1.7%

Financial ServicesBanks - Regional

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.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$66.06M

EPS1.4200

P/E Ratio3.00

Earnings Date05/11/2026

1.11B

Assets

19%

3Y+90.0%

5Y+373.0%

10Y+829.0%

989.78M

Total Liabilities

19%

3Y+89.0%

5Y+356.0%

10Y+749.0%

121.90M

Total Equity

18%

3Y+95.0%

5Y+584.0%

10Y+3856.0%

OptimumBank Holdings, Inc. Funding & Solvency Profile

OPHC · NASDAQ

Current Assets

Cash & Cash Equivalents9.35M

Net Receivables3.62M

Inventory0.00

Other Current Assets0.00

Total Current Assets38 M

Non-Current Assets

Property, Plant & Equipment5.11M

Goodwill & Intangible Assets0.00

Long-Term Investments972.69M

Other Non-Current Assets-972.69M

Total Non-Current Assets5 M

Total Assets

1.11B

Financial Health Analysis

Current Ratio

13.90x

Excellent liquidity position. The company can easily cover its short-term obligations with substantial cushion.

Debt-to-Equity Ratio

8.12x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

35 M

Strong working capital position provides significant operational flexibility and financial cushion.

Asset Composition

3% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Mixed signals: Strong short-term liquidity provides comfort, but high overall leverage requires careful monitoring of debt servicing capabilities and refinancing risk.

OptimumBank Holdings, Inc. Balance Sheet

OPHC • NASDAQ

OptimumBank Holdings, Inc. Balance Sheet	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015	Dec 2014	Dec 2013	Dec 2012	Dec 2011	Dec 2010	Dec 2009	Dec 2008	Dec 2007	Dec 2006
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	9.3M	93.6M	76.7M	71.8M	59M	54.6M	8.9M	8M	11.7M	17.6M	10.4M	12.1M	13.9M	23.6M	6.2M	1.2M	10.1M	1.1M	475K	923K
Short-Term Investments	25.2M	22.8M	24.4M	25.1M	34.4M	18.9M	5.4M	2.4M	11.4M	20.2M	25.7M	26.7M	23M	18.6M	28.9M	0.0	0.0	0.0	0.0	0.0
Cash & Short-Term Investments	34.5M	116.4M	101M	96.9M	93.4M	73.5M	14.3M	10.3M	23.1M	37.9M	36.1M	38.8M	36.9M	42.3M	35.1M	1.2M	10.1M	1.1M	475K	923K
Net Receivables	3.6M	3.3M	2.5M	1.4M	971K	1.3M	432K	314K	316K	380K	462K	426K	496K	499K	499K	1.4M	4.7M	1.3M	1.4M	1.3M
Accounts Receivables	3.6M	3.3M	2.5M	1.4M	971K	1.3M	432K	314K	316K	380K	462K	426K	496K	499K	499K	644K	1.1M	1.3M	1.4M	1.3M
Other Receivables	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	772K	3.6M	0.0	0.0	0.0
Total Current Assets	38.2M	119.8M	103.5M	98.4M	94.3M	74.9M	14.8M	10.7M	23.4M	38.2M	36.6M	39.2M	37.4M	42.8M	35.6M	2.6M	14.7M	2.4M	1.9M	2.2M
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	5.1M	4.7M	3.5M	3.1M	2.6M	2.3M	2.4M	2.7M	2.6M	2.6M	2.7M	2.8M	2.9M	2.9M	2.7M	2.8M	2.9M	3.1M	3.2M	4M
Long-Term Investments	972.7M	795.3M	671.5M	477.8M	248.9M	155.9M	108M	84.3M	68.2M	77M	82.6M	75.8M	79.2M	85.2M	89.2M	164.6M	215.3M	243.2M	232M	215.5M
Tax Assets	3.1M	3M	2.9M	3.8M	3.4M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	772K	570K	0.0	0.0
Other Non-Current Assets	-972.7M	10.2M	9.9M	2.2M	2.6M	2.1M	1.5M	1.8M	1.6M	1.8M	5.6M	6.6M	9.3M	12.9M	26.9M	20.3M	36.3M	6.6M	4.3M	4M
Total Non-Current Assets	8.2M	813.2M	687.8M	486.8M	257.5M	160.3M	112M	88.8M	72.4M	81.5M	90.9M	85.3M	91.4M	101M	118.8M	187.7M	255.2M	253.4M	239.6M	223.5M
Other Assets	1.1B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Assets	1.1B	932.9M	791.3M	585.2M	351.9M	235.1M	126.7M	100.4M	95.9M	119.7M	127.5M	124.5M	128.8M	143.7M	154.5M	190.3M	270M	255.7M	241.5M	225.7M
LIABILITIES
CURRENT LIABILITIES
Short Term Debt	50M	50M	62M	10M	18M	23M	13M	25.2M	20.5M	23.5M	20M	22.7M	22.7M	27.7M	31.7M	815K	0.0	0.0	0.0	0.0
Tax Payables	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	-8.1M	0.0	0.0	2.7M	0.0
Other Current Liabilities	-47.3M	772.2M	639.6M	507.9M	292.5M	190.8M	101.4M	62.4M	65.3M	86.1M	97.6M	91.6M	98.7M	101.6M	107.9M	148.2M	151.7M	114.9M	125M	129.5M
Total Current Liabilities	2.7M	822.2M	701.6M	517.9M	310.5M	213.8M	114.4M	87.5M	85.8M	109.6M	117.6M	114.3M	121.4M	129.3M	139.6M	149.1M	151.7M	114.9M	125M	129.5M
NON-CURRENT LIABILITIES
Long Term Debt	0.0	50M	62M	10M	18M	2.1M	2.6M	4.5M	5.2M	5.2M	5.2M	5.2M	5.2M	5.2M	5.2M	36.9M	104.7M	115.7M	90.9M	72.7M
Other Non-Current Liabilities	987M	-45.2M	-44.6M	-7.4M	-16.9M	528K	1.5M	2.1M	2.4M	1.9M	1.8M	2.1M	2.4M	2.4M	2.9M	1.6M	2.3M	2.4M	3.4M	3.1M
Total Non-Current Liabilities	987M	7.6M	19.7M	4.7M	2.9M	3.5M	5.2M	6.6M	7.6M	7M	6.9M	7.2M	7.6M	7.5M	8.1M	38.4M	107M	118.1M	94.3M	75.8M
Capital Lease Obligations	2.7M	2.8M	2.2M	2.2M	1.8M	923K	1.1M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Liabilities	989.8M	829.7M	721.2M	522.6M	313.4M	217.3M	119.5M	95.1M	93.3M	116.6M	124.5M	121.6M	129M	136.8M	147.7M	187.5M	258.7M	233M	219.3M	205.3M
SHAREHOLDERS' EQUITY
Common Stock	115K	116K	72K	71K	48K	32K	28K	18K	11K	11K	96K	93K	80K	315K	224K	8K	33K	31K	30K	28K
Additional Paid-In Capital	112.6M	111.5M	91.2M	90.4M	65.2M	50.3M	39M	36.1M	34.1M	34M	33.3M	33M	31.5M	31.1M	27.5M	19.1M	19M	18.5M	17.3M	15.9M
Retained Earnings	13.8M	-2.8M	-16M	-22.1M	-26.1M	-32.4M	-31.6M	-30.5M	-31.3M	-30.7M	-30.3M	-30.2M	-31.8M	-24.7M	-20M	-16.2M	-7.8M	4.2M	4.9M	4.5M
Accumulated Other Comprehensive Income/Loss	-4.6M	-5.6M	-5.3M	-5.8M	-635K	-69K	-205K	-330K	-250K	-252K	-138K	83K	4K	226K	-938K	0.0	0.0	-4K	-4K	-9K
Total Stockholders' Equity	121.9M	103.2M	70M	62.6M	38.5M	17.8M	7.2M	5.3M	2.5M	3.1M	3M	3M	-216K	6.9M	6.8M	2.8M	11.3M	22.8M	22.2M	20.4M
Total Equity	121.9M	103.2M	70M	62.6M	38.5M	17.8M	7.2M	5.3M	2.5M	3.1M	3M	3M	-216K	6.9M	6.8M	2.8M	11.3M	22.8M	22.2M	20.4M
SUMMARY
Total Liabilities & Equity	1.1B	932.9M	791.3M	585.2M	351.9M	235.1M	126.7M	100.4M	95.9M	119.7M	127.5M	124.5M	128.8M	143.7M	154.5M	190.3M	270M	255.7M	241.5M	225.7M
Total Investments	972.7M	818M	695.8M	502.9M	283.3M	174.8M	113.4M	86.7M	79.7M	97.2M	108.3M	102.6M	102.2M	103.9M	118.1M	164.6M	215.3M	243.2M	232M	215.5M
Total Debt	52.7M	102.8M	126.2M	22.2M	37.8M	26M	16.6M	29.8M	25.7M	28.7M	25.2M	27.9M	27.9M	32.9M	36.9M	37.7M	104.7M	115.7M	90.9M	72.7M
Net Debt	43.4M	9.1M	49.6M	-49.7M	-21.2M	-28.6M	7.7M	21.8M	14M	11M	14.8M	15.8M	14M	9.2M	30.6M	36.5M	94.6M	114.6M	90.4M	71.7M
Shares Outstanding	11,534,000	11,534,000	11,534,000	11,534,000	11,534,000	11,534,000	11,534,000	11,534,000	11,534,000	11,534,000	11,534,000	11,534,000	11,534,000	11,534,000	11,534,000	11,534,000	11,534,000	11,534,000	11,534,000	11,534,000

SEC Filings

OPHC - Filing history and reports

Filing Type	Filing Date	Period Ending	Fiscal Year	Actions
10-Q 10-Q 2026 Q1 Q1	May 12, 2026	March 31, 2026	2026	View Filing
8-K 8-K 2026 N/A	May 05, 2026	May 01, 2026	2026	View Filing
8-K 8-K 2026 N/A	May 04, 2026	April 28, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 24, 2026	April 24, 2026	2026	View Filing
DEF 14A DEF 14A 2026 N/A	March 26, 2026	March 26, 2026	2026	View Filing
10-K 10-K 2025 FY FY	February 26, 2026	December 31, 2025	2025	View Filing
8-K 8-K 2026 N/A	February 23, 2026	February 23, 2026	2026	View Filing
8-K 8-K 2026 N/A	February 02, 2026	February 02, 2026	2026	View Filing
8-K 8-K 2026 N/A	January 30, 2026	January 27, 2026	2026	View Filing
8-K 8-K 2026 N/A	January 20, 2026	January 20, 2026	2026	View Filing

Showing 1 to 10 of 285 filings

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