OptimumBank Forms Wholly Owned Subsidiary OptimumFunding to Support New Lending Initiative
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Feb 23 2026
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Should l Buy OPHC?
OptimumBank Holdings announced the formation of OptimumFunding, a wholly owned subsidiary created to support a new HUD and FHA lending initiative, representing a significant milestone in the Company's long-term strategic growth plan. OptimumFunding has been established to expand the Company's commercial real estate lending capabilities by offering bridge-to-HUD financing, as well as FHA- and HUD-insured loan origination, with servicing and relationship management supported by professionals with deep experience in the markets and client segments historically served by the Company. Through OptimumFunding the Company expects to offer a focused suite of financing solutions, including: Bridge-to-HUD Financing: Short-term transitional financing solutions designed to support acquisitions, refinancings, recapitalizations, and property repositioning, with the objective of facilitating a transition to long-term HUD or FHA-insured financing. FHA and HUD-Insured Loan Origination: Government-insured financing solutions for qualifying multifamily and healthcare properties, including stabilized and transitional assets. Healthcare and Multifamily Lending Focus: Specialized expertise serving skilled nursing facilities, senior housing, and multifamily assets, building upon the Company's established lending relationships and sector knowledge. In connection with the formation of OptimumFunding the Board of Directors of OptimumBank approved a dividend to OptimumBank Holdings, Inc. The Holding Company, in turn, authorized a capital investment into OptimumFunding to support initial operations and platform development. OptimumFunding has been structured to operate independently while remaining fully aligned with the Company's governance, compliance, and risk management frameworks.
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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.
OPTIMUMBANK HOLDINGS INC NAMES MOISHE GUBIN AS CEO AND PRINCIPAL EXECUTIVE OFFICER, EFFECTIVE MAY 1, 2026 - SEC FILING
Company Overview: Optimum Bank Holdings is a financial institution involved in banking and financial services.
Leadership Announcement: Moishe Gubinas has been appointed as the new Chief Executive Officer and Principal Executive Officer of the bank.
Effective Date: The appointment of Moishe Gubinas will take effect on May 1, 2026.
Regulatory Filing: The announcement has been made in accordance with SEC filing requirements.
See More
OptimumBank Appoints New CEO Amid Leadership Transition
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- Executive Retirement: Timothy Terry retired on May 1, 2026, concluding his tenure as Principal Executive Officer and President, while supporting the transition to ensure stability and continuity during this change.
- Asset Growth: Under Gubin's leadership, OptimumBank's total assets surged from approximately $154.5 million to $1.27 billion, demonstrating its transformative capabilities and market expansion potential, thereby boosting investor confidence.
- Stock Price Movement: Despite the leadership changes, OptimumBank's shares fell by 1.26%, reflecting market caution regarding the new leadership, which may impact future investment decisions.
See More
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- Shareholder Meeting Details: The company will hold its Annual Shareholder Meeting and Investor Day on April 28, 2026, at 10:00 AM ET, with public virtual attendance available, demonstrating its commitment to transparency and shareholder engagement.
- Ongoing Growth Momentum: The shareholder presentation will include updated performance data for Q1 2026, highlighting continued operational momentum and strategic growth, indicating a positive outlook for future performance.
- Commitment to Community: OptimumBank emphasizes its dedication to supporting economic development through responsible banking and community partnerships, showcasing its unique positioning and competitive edge in the financial services sector.
See More
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- Earnings Per Share: OptimumBank reported a GAAP EPS of $0.20 for Q1 2025, which, while slightly below market expectations, indicates the company's ongoing efforts to maintain stable profitability.
- Revenue Performance: The reported revenue of $14.97 million, although falling short of analyst forecasts, shows some growth compared to the same period last year, reflecting the resilience of its business operations.
- Financial Health Indicators: Despite not fully meeting revenue and EPS expectations, OptimumBank demonstrates solid financial health, laying a foundation for future growth, especially in the current economic climate.
- Market Reaction Analysis: Investor response to the earnings report has been cautious; while the company showcased stable financial performance, uncertainties regarding future growth expectations may impact stock price performance.
See More
OptimumBank Reports Q1 2026 Financial Highlights
- Net Income Performance: OptimumBank reported a net income of $4.7 million for Q1 2026, translating to $0.39 per basic share, which, while down from $4.9 million in Q4 2025, represents a 20.5% increase from $3.9 million in Q1 2025, indicating sustained profitability improvements.
- Loan and Deposit Growth: The total loan portfolio increased by $132.1 million, or 13.8%, in Q1 2026, while total deposits rose by $161.1 million to $1.09 billion, reflecting the company's strong competitive position and customer trust in the market.
- Interest Income Boost: Net interest income reached $13.2 million in Q1, an 11% increase from Q4 2025, primarily driven by higher yields on loans and securities, showcasing effective management in a rising interest rate environment and enhanced profitability.
- Strong Capital Ratios: As of March 31, 2026, the Tier 1 Leverage Ratio stood at 10.74%, well above regulatory minimums, indicating that the company maintains a robust capital base to support future growth and earnings momentum.
See More
Dream Chasers Capital Group Responds to Board Actions
- 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.
See More
OPTIMUMBANK HOLDINGS INC NAMES MOISHE GUBIN AS CEO AND PRINCIPAL EXECUTIVE OFFICER, EFFECTIVE MAY 1, 2026 - SEC FILING
Company Overview: Optimum Bank Holdings is a financial institution involved in banking and financial services.
Leadership Announcement: Moishe Gubinas has been appointed as the new Chief Executive Officer and Principal Executive Officer of the bank.
Effective Date: The appointment of Moishe Gubinas will take effect on May 1, 2026.
Regulatory Filing: The announcement has been made in accordance with SEC filing requirements.
See More
OptimumBank Appoints New CEO Amid Leadership Transition
- Leadership Transition: OptimumBank announced the appointment of Chairman Moishe Gubin as CEO and Principal Executive Officer, marking a significant leadership transition aimed at enhancing corporate governance and strategic direction.
- Executive Retirement: Timothy Terry retired on May 1, 2026, concluding his tenure as Principal Executive Officer and President, while supporting the transition to ensure stability and continuity during this change.
- Asset Growth: Under Gubin's leadership, OptimumBank's total assets surged from approximately $154.5 million to $1.27 billion, demonstrating its transformative capabilities and market expansion potential, thereby boosting investor confidence.
- Stock Price Movement: Despite the leadership changes, OptimumBank's shares fell by 1.26%, reflecting market caution regarding the new leadership, which may impact future investment decisions.
See More
OptimumBank to Hold Annual Shareholder Meeting Showcasing Record Performance
- Record Performance: OptimumBank achieved a Core Return on Average Equity (ROAE) of 21.56% and a Net Interest Margin (NIM) of 4.28% for fiscal year 2025, marking the most successful year in its history and reflecting strong financial health and profitability.
- Shareholder Meeting Details: The company will hold its Annual Shareholder Meeting and Investor Day on April 28, 2026, at 10:00 AM ET, with public virtual attendance available, demonstrating its commitment to transparency and shareholder engagement.
- Ongoing Growth Momentum: The shareholder presentation will include updated performance data for Q1 2026, highlighting continued operational momentum and strategic growth, indicating a positive outlook for future performance.
- Commitment to Community: OptimumBank emphasizes its dedication to supporting economic development through responsible banking and community partnerships, showcasing its unique positioning and competitive edge in the financial services sector.
See More
OptimumBank Reports Q1 2025 Earnings Results
- Earnings Per Share: OptimumBank reported a GAAP EPS of $0.20 for Q1 2025, which, while slightly below market expectations, indicates the company's ongoing efforts to maintain stable profitability.
- Revenue Performance: The reported revenue of $14.97 million, although falling short of analyst forecasts, shows some growth compared to the same period last year, reflecting the resilience of its business operations.
- Financial Health Indicators: Despite not fully meeting revenue and EPS expectations, OptimumBank demonstrates solid financial health, laying a foundation for future growth, especially in the current economic climate.
- Market Reaction Analysis: Investor response to the earnings report has been cautious; while the company showcased stable financial performance, uncertainties regarding future growth expectations may impact stock price performance.
See More
OptimumBank Reports Q1 2026 Financial Highlights
- Net Income Performance: OptimumBank reported a net income of $4.7 million for Q1 2026, translating to $0.39 per basic share, which, while down from $4.9 million in Q4 2025, represents a 20.5% increase from $3.9 million in Q1 2025, indicating sustained profitability improvements.
- Loan and Deposit Growth: The total loan portfolio increased by $132.1 million, or 13.8%, in Q1 2026, while total deposits rose by $161.1 million to $1.09 billion, reflecting the company's strong competitive position and customer trust in the market.
- Interest Income Boost: Net interest income reached $13.2 million in Q1, an 11% increase from Q4 2025, primarily driven by higher yields on loans and securities, showcasing effective management in a rising interest rate environment and enhanced profitability.
- Strong Capital Ratios: As of March 31, 2026, the Tier 1 Leverage Ratio stood at 10.74%, well above regulatory minimums, indicating that the company maintains a robust capital base to support future growth and earnings momentum.
See More
Dream Chasers Capital Group Responds to Board Actions
- 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.
See More
