OptimumBank Forms Wholly Owned Subsidiary OptimumFunding to Support New Lending Initiative
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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OptimumBank Launches OptimumFunding to Enhance Lending Initiatives
- 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
- 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.
IBN Begins Coverage of OptimumBank Holdings Inc.
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.
OptimumBank to Present at the 2025 Sequire Investor Summit in Puerto Rico
OptimumBank Participation: OptimumBank will present at the Sequire Investor Summit 2025 from January 21st-23rd in San Juan, Puerto Rico, showcasing its growth and inviting investment interest from attendees.
Community Banking Focus: Founded in 2000, OptimumBank aims to provide traditional banking services with a focus on local customers in Florida, emphasizing lower fees and expertise in real estate and commercial lending.
OPTIMUM BANKHOLDINGS TRANSFERS LISTING OF COMMON STOCK TO THE NYSE AMERICAN
OptimumBank Stock Transfer: OptimumBank Holdings, Inc. is transferring its common stock listing from Nasdaq to NYSE American, with trading expected to begin on December 31, 2024, under the ticker symbol "OPHC."
Company Background and Expectations: The Chairman of OptimumBank expressed optimism that this move will enhance the liquidity and visibility of the company, aligning it with other successful banks listed on the NYSE American.
OptimumBank Holdings transfers common stock listing to NYSE American
Stock Listing Transfer: OptimumBank Holdings is transferring its common stock listing from Nasdaq to NYSE American, with trading expected to begin on December 31, 2024, under the ticker symbol "OPHC."
Market Performance: The company's shares experienced a decline of 2.6% on Thursday prior to the transfer announcement.
OptimumBank Launches OptimumFunding to Enhance Lending Initiatives
- 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
- 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.
IBN Begins Coverage of OptimumBank Holdings Inc.
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.
OptimumBank to Present at the 2025 Sequire Investor Summit in Puerto Rico
OptimumBank Participation: OptimumBank will present at the Sequire Investor Summit 2025 from January 21st-23rd in San Juan, Puerto Rico, showcasing its growth and inviting investment interest from attendees.
Community Banking Focus: Founded in 2000, OptimumBank aims to provide traditional banking services with a focus on local customers in Florida, emphasizing lower fees and expertise in real estate and commercial lending.
OPTIMUM BANKHOLDINGS TRANSFERS LISTING OF COMMON STOCK TO THE NYSE AMERICAN
OptimumBank Stock Transfer: OptimumBank Holdings, Inc. is transferring its common stock listing from Nasdaq to NYSE American, with trading expected to begin on December 31, 2024, under the ticker symbol "OPHC."
Company Background and Expectations: The Chairman of OptimumBank expressed optimism that this move will enhance the liquidity and visibility of the company, aligning it with other successful banks listed on the NYSE American.
OptimumBank Holdings transfers common stock listing to NYSE American
Stock Listing Transfer: OptimumBank Holdings is transferring its common stock listing from Nasdaq to NYSE American, with trading expected to begin on December 31, 2024, under the ticker symbol "OPHC."
Market Performance: The company's shares experienced a decline of 2.6% on Thursday prior to the transfer announcement.
