OptimumBank Holdings, Inc.
Financial ServicesAMEX:OPHC · New York Stock Exchange American
+$0.04 today
Vol 0.02M · Avg 0.03M
Management
Put operating results in leadership context
Review returns on capital, executive background, insider transactions, and growth quality to judge whether management is compounding value well.
Return Metrics
ROE, ROIC & ROA over time
ROE
13.7%
avg 1.1%
ROIC
9.3%
avg 2.2%
ROA
1.5%
avg 0.4%
Analysis
ROE is currently the strongest return metric at 13.7% versus its period average of 1.1%. 0 of 3 return metrics are above their quality threshold, which helps indicate how efficiently the company turns capital and assets into profit.
Management
Key executives, compensation & ownership
| Name | Title | Compensation | Tenure | Age | Shares Owned | Ownership % |
|---|---|---|---|---|---|---|
Timothy L. Terry | Principal Executive Officer | $680,000.00 | — | 70 | $0.00 | <0.01% |
Elliot Nunez | Executive Vice President & Chief Financial Officer | $415,500.00 | — | 58 | — | — |
Moishe Gubin | CEO, Principal Executive Officer & Chairman of the Board | $95,125.00 | — | 49 | $794,468.00 | 6.48% |
Frank A. Nelson | Senior Vice President of Lending | — | — | — | — | — |
Lesile Legg | Vice President of Bank Operations, Branch Administration & Human Resources | — | — | — | — | — |
Seth Denison | Managing Director of Investor and Corporate Relations | — | — | — | $158,768.00 | 1.29% |
Insider Trading
SEC Form 4 transactions — last 12 months
Buys
0
$0.00
Sells
3
$248,075.92
Net Sentiment
$248,075.92
Net selling
Most Active
Blisko Michael
2 transactions
| Date | Insider | Type | Shares | Price | Value | |
|---|---|---|---|---|---|---|
| Feb 2, 2026 | Terry Timothy Direct | Sell | 39.3K | $4.73 | $185,907.92 | |
| Dec 4, 2025 | Blisko Michael Direct | Sell | 7.6K | $4.09 | $31,084.00 | |
| Dec 4, 2025 | Blisko Michael Direct | Sell | 7.6K | $4.09 | $31,084.00 |
Analysis
Insiders reported 0 buys worth $0.00 and 3 sells worth $248,075.92 over the last 12 months. That adds up to net selling of $248,075.92. Blisko Michael was the most active insider with 2 transactions.
Growth Analysis
Historical CAGR & forward analyst estimates
| Metric | 10yr | 5yr | 3yr | Fwd Est. |
|---|---|---|---|---|
| EPS | N/A | N/A | N/A | N/A1 analysts |
| Revenue | N/A | N/A | -0.4% | +24.2% (12yr)1 analysts |
| Net Income | N/A | N/A | N/A | N/A1 analysts |
| EBIT | N/A | N/A | N/A | N/A1 analysts |
Analysis
Recent growth has been strongest in Revenue at -0.4% over three years. Forward estimates point to Revenue at +24.2% (12yr), giving you a quick check on whether expectations are accelerating or cooling.
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Who manages OPHC?
OptimumBank Holdings, Inc. (OPHC) lists 6 active executives. The top listed executive is Timothy L. Terry, Principal Executive Officer.
Are OPHC insiders buying or selling?
Recent insider activity shows net buying of $677.77B.
Explore More
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