OPHC · CIK 0001288855 · operating
OptimumBank Holdings, Inc. operates as a bank holding company providing retail and commercial banking services through its subsidiary, OptimumBank. The company accepts various deposit products including demand accounts, savings, money market, and NOW accounts, along with certificates of deposit and time deposits. It generates revenue through interest income on loans and deposits, as well as service fees.
The loan portfolio encompasses multi-family real estate, residential and commercial real estate, land and construction financing, and commercial loans for working capital and equipment acquisition. Consumer lending includes auto, recreational vehicle, boat, and home improvement loans, along with lines of credit and collateralized personal loans. The company also provides standard banking services such as debit and ATM cards, cash management, wire transfers, ACH services, and internet banking.
Based in Fort Lauderdale, Florida, OptimumBank Holdings operates as a regional bank with a market capitalization of approximately $0.1 billion. The company was incorporated in Florida and founded in 2000, serving individuals and businesses primarily in its local market.
Fiscal years are as reported by the company and may not align with the calendar year. For example, Apple's FY 2024 ends in September 2024.
| Fiscal Year | EPS Diluted | EPS Basic | YoY | |
|---|---|---|---|---|
| 2025 | $0.71 | $1.42 | -46.6% | |
| 2024 | $1.33 | $1.39 | +52.9% | |
| 2023 | $0.87 | $0.87 | +27.9% | |
| 2022 | — | $0.68 | — | |
| 2021 | — | — | — | |
| 2020 | — | — | — | |
| 2019 | — | — | — | |
| 2018 | — | — | — | |
| 2017 | $-0.53 | $-0.53 | -39.5% | |
| 2016 | $-0.38 | $-0.38 | -123.5% | |
| 2015 | $-0.17 | $-0.17 | -194.4% | |
| 2014 | $0.18 | $0.18 | +120.2% | |
| 2013 | $-0.89 | $-0.89 | -423.5% | |
| 2012 | $-0.17 | $-0.17 | +79.3% | |
| 2011 | $-0.82 | $-0.82 | — |
| Report Date | Filed | Accession Number | |
|---|---|---|---|
| 2025-12-31 | 2026-02-26 | 0001493152-26-008143 | SEC ↗ |
| 2024-12-31 | 2025-02-26 | 0001493152-25-008332 | SEC ↗ |
| 2023-12-31 | 2024-03-08 | 0001493152-24-009360 | SEC ↗ |
| 2022-12-31 | 2023-03-06 | 0001493152-23-006772 | SEC ↗ |
| 2021-12-31 | 2022-03-08 | 0001493152-22-006303 | SEC ↗ |
| 2020-12-31 | 2021-03-25 | 0001493152-21-006774 | SEC ↗ |
| 2019-12-31 | 2020-03-25 | 0001493152-20-004674 | SEC ↗ |
| 2018-12-31 | 2019-03-27 | 0001493152-19-003983 | SEC ↗ |
| 2017-12-31 | 2018-03-28 | 0001493152-18-004033 | SEC ↗ |
| 2016-12-31 | 2017-03-20 | 0001387131-17-001496 | SEC ↗ |
| 2015-12-31 | 2016-03-25 | 0001387131-16-004703 | SEC ↗ |
| 2014-12-31 | 2015-04-02 | 0001387131-15-001196 | SEC ↗ |
| 2013-12-31 | 2014-03-31 | 0001387131-14-001205 | SEC ↗ |
| 2012-12-31 | 2013-04-04 | 0001387131-13-001171 | SEC ↗ |
| 2011-12-31 | 2012-03-30 | 0001193125-12-143571 | SEC ↗ |
| 2010-12-31 | 2011-04-15 | 0001193125-11-099284 | SEC ↗ |
| 2009-12-31 | 2010-04-15 | 0001193125-10-084242 | SEC ↗ |
| 2008-12-31 | 2009-03-31 | 0000897101-09-000670 | SEC ↗ |