IBN Begins Coverage of OptimumBank Holdings Inc.

Written by Emily J. Thompson, Senior Investment Analyst

Source: Globenewswire

Updated: Sep 16 2025

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OPHC-2.3%

Should l Buy OPHC?

Source: Globenewswire

OptimumBank Holdings Inc. Announcement: OptimumBank has partnered with IBN to enhance its corporate communications and market presence, leveraging IBN's extensive distribution network to increase brand visibility and shareholder value.
Banking Services and Growth: OptimumBank, a community bank specializing in real estate and commercial lending, has achieved significant growth, reaching over $1 billion in assets and gaining Preferred Lender status with the SBA, while focusing on relationship-based banking and technology modernization.

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About OPHC

OptimumBank Holdings, Inc. is a bank holding company for OptimumBank (the Bank). The Bank is a state-chartered bank. The Bank offers a variety of commercial banking services to individual and corporate customers through its two branch offices located in Broward County, and one branch office in Miami Dade County, Florida. The Bank provides a range of consumer and commercial banking services to individuals and businesses. Its services offered include demand interest-bearing and noninterest-bearing accounts, money market deposit accounts, NOW accounts, time deposits, Wire transfers, ACH services, Visa debit and ATM cards, cash management, direct deposits, notary services, money orders, night depository, cashier’s checks, domestic collections, and banking by mail. It provides ATM cards and Visa debit cards as a part of the Star, Presto and Cirrus networks, thereby permitting customers to utilize the convenience of ATMs worldwide. It offers business lending lines for working capital needs.

About the author

Emily J. Thompson

Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.

Dream Chasers Capital Group Responds to Board Actions

Mar 13 2026Newsfilter

Shareholder Rights Erosion: Dream Chasers Capital Group (DCCG) expresses strong dissatisfaction with the Board's blocking of the nomination of successful banker Moishe Gubin, viewing this as a manipulation of corporate machinery backed by high-priced counsel, further disenfranchising shareholders and leading to a delisting from the more liquid markets to OTC.
Performance Transformation Example: Moishe Gubin's success at OptimumBank illustrates his strong turnaround capabilities, achieving a net income of $16.65 million in 2025, a 600% growth in core earnings since 2021, and increasing assets from $100 million to over $1.11 billion, showcasing exceptional management in the banking sector.
Governance Structure Concerns: DCCG is monitoring the emergence of Barry Mann as a 10% filer, fearing potential dilution of the 70% retail shareholder mandate, especially ahead of the upcoming 2026 Annual Meeting, urging shareholders to remain vigilant against any anti-takeover or dilutive actions.
Strong Retail Shareholder Support: With 70% backing from retail shareholders, DCCG is committed to fighting for their rights, emphasizing that any issuance of new stock should be subject to competitive bidding to protect shareholder interests and maintain Carver's intrinsic value.

OptimumBank Launches OptimumFunding to Enhance Lending Initiatives

Feb 23 2026Newsfilter

Subsidiary Formation: OptimumBank has established a wholly-owned subsidiary, OptimumFunding, to support HUD and FHA lending initiatives, marking a significant milestone in the company's long-term strategic growth plan and expected to enhance its commercial real estate lending capabilities.
Expanded Financing Solutions: OptimumFunding will offer bridge-to-HUD financing solutions, facilitating seamless transitions for clients from short-term financing to long-term FHA and HUD-insured loans, thereby enhancing financing options in the multifamily and healthcare sectors.
Expert Team Support: The new platform will be operated by a dedicated team with deep experience, ensuring a consistent client experience in loan origination, structuring, and ongoing servicing, emphasizing responsiveness and transparency to strengthen client relationships.
Capital Investment and Governance: The OptimumBank Board approved a capital investment into OptimumFunding to support initial operations, with expectations to diversify revenue streams through government-insured lending, enhancing the company's national presence and profitability.

OptimumBank Reports Q4 2025 Earnings Results

Feb 02 2026seekingalpha

Earnings Per Share: OptimumBank reported a GAAP EPS of $0.21 for Q4 2025, which, while falling short of market expectations, demonstrates the company's ability to maintain stable profitability.
Revenue Performance: The bank's revenue for the fourth quarter reached $13.59 million, indicating growth compared to the same period last year, reflecting its ongoing competitiveness and expansion of its customer base.
Financial Transparency: OptimumBank has provided detailed financial information, enhancing investor confidence in its financial health, particularly in the current economic climate.
Future Outlook: Although the current earnings report did not significantly exceed expectations, OptimumBank is actively seeking growth opportunities to enhance future profitability and market share.