OptimumBank Reports Q4 2025 Earnings Results

Written by Emily J. Thompson, Senior Investment Analyst

Source: seekingalpha

Updated: Feb 02 2026

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OPHC-0.19%

Should l Buy OPHC?

Source: seekingalpha

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.

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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 Launches OptimumFunding to Enhance Lending Initiatives

5 days agoNewsfilter

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.