OptimumBank Holdings, Inc. (OPHC)
Operating cash flow minus capital spending left $16.9M of free cash flow in fiscal 2025. Its latest periodic report to the SEC is the quarterly report (10-Q) filed on August 10, 2026.
Key facts about OptimumBank Holdings, Inc.
- Net worth
- OptimumBank Holdings, Inc. has a market value (market cap) of $114.1M at the latest share price, and shareholders' equity of $134.4M on its balance sheet at June 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
- Cash flow
- In fiscal 2025 operations brought in $17.8M of cash; after $896K of capital spending, free cash flow was $16.9M.
- Latest report
- The latest periodic report (quarterly report, 10-Q) was filed with the SEC on August 10, 2026 and covers the period to June 30, 2026. Open on SEC EDGAR
- Next earnings report
- OptimumBank Holdings, Inc.'s next report was expected around October 15, 2026 and is not on file with the SEC yet.
What OptimumBank Holdings, Inc. does
OptimumBank Holdings, Inc. is registered with the SEC under industry code SIC 6021 (National Commercial Banks). Its shares trade on NYSE under the ticker OPHC.
Revenue and profit by year
Key figures
| Fiscal year | Revenue | Net income | Diluted EPS | Free cash flow |
|---|---|---|---|---|
| 2025 | n/a | $16.6M | $0.71 | $16.9M |
| 2024 | n/a | $13.1M | $0.63 | $14.6M |
| 2023 | n/a | $6.3M | $0.41 | $6.2M |
| 2022 | n/a | $4M | $0.32 | $10M |
| 2021 | n/a | $6.3M | $0.76 | $3.4M |
| 2020 | n/a | -$782K | -$0.13 | -$1.7M |
Earnings: every quarter and the next report date
Full financial statements: income, balance sheet and cash flow
Latest SEC filings
What OptimumBank Holdings, Inc. has filed recently, newest first. Each links to the original document on SEC EDGAR.
- September 11, 2026Form DEL AM filing DEL AM
- September 10, 2026
- August 19, 2026
- August 14, 2026Passive stake (5% or more) SCHEDULE 13G
- August 13, 2026
- August 10, 2026
- July 24, 2026
- May 12, 2026
- May 5, 2026
- May 4, 2026
Insider trades
What the people running OptimumBank Holdings, Inc. did with its shares, from the Form 4 filings they must send the SEC within two business days.
No insider trades were reported in the last 90 days.
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| February 2, 2026 | Terry TimothyPEO | Sold | 39,304 | $185.9K |
| January 27, 2026 | Blisko MichaelDirector | Other change | 531,178 | - |
| December 4, 2025 | Blisko MichaelDirector | Bought | 7,600 | $31.1K |
| December 4, 2025 | Blisko MichaelDirector | Sold | 7,600 | $31.1K |
Who owns OPHC
Three views from three kinds of SEC filings, each with its own date. They overlap and are not added up.
5% holders
| Holder | Of class | Filed |
|---|---|---|
| AllianceBernstein L.P.13G, passive | 5% | August 14, 2026 |
Largest institutional holders
Positions that investment managers reported on Form 13F for the quarter ended June 30, 2026, largest first, with the change on the quarter ended March 31, 2026. Managers file 13F up to 45 days after a quarter ends. 24 managers reported a position.
| Holder | Shares | Change on quarter |
|---|---|---|
| Alliancebernstein L.P. | 616,168 | +32,433 |
| Wellington Management Group Llp | 431,634 | new |
| Vanguard Capital Management LLC | 406,480 | +62,337 |
| Renaissance Technologies LLC | 155,051 | +30,451 |
| Geode Capital Management, LLC | 107,840 | +28,355 |
| Morgan Stanley | 100,002 | 0 |
| Mink Brook Asset Management LLC | 78,552 | new |
| Dimensional Fund Advisors LP | 77,662 | +6,175 |
| Sparta 24 Ltd. | 73,443 | new |
| Vanguard Fiduciary Trust Co | 61,244 | +4,267 |
| Susquehanna International Group, Llp | 54,631 | -65,127 |
| Citadel Advisors LLC | 42,613 | new |
| BlackRock, Inc. | 37,458 | +12,731 |
| Bridgeway Capital Management, LLC | 31,600 | 0 |
| Northern Trust Corp | 24,970 | -448 |
| Pekin Hardy Strauss, Inc. | 18,750 | 0 |
| Globeflex Capital L P | 15,253 | +3,089 |
| State Street Corp | 11,310 | 0 |
| XTX Topco Ltd | 10,495 | new |
| Wells Fargo & Company | 3,126 | 0 |
Insiders
1 insiders reported holding 1,135,823 shares in total, about $10.3M at the last price.
| Holder | Shares |
|---|---|
| Blisko MichaelDirector | 1,135,823 |
Questions about OPHC
What does OptimumBank Holdings, Inc. do?
OptimumBank Holdings, Inc. is a company in the Finance sector, listed on NYSE as OPHC. Its shares trade on NYSE under the ticker OPHC.
What is OptimumBank Holdings, Inc.'s net worth?
OptimumBank Holdings, Inc. has a market value (market cap) of $114.1M at the latest share price, and shareholders' equity of $134.4M on its balance sheet at June 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
Is OptimumBank Holdings, Inc. profitable?
Yes. Over the twelve months to June 30, 2026 it reported net income of $20.5M.
When did OptimumBank Holdings, Inc. last report?
Its most recent periodic report is the quarterly report (10-Q) filed on August 10, 2026. It covers the period to June 30, 2026. Its newest filing of any kind is the form DEL AM filing from September 11, 2026.
When is OptimumBank Holdings, Inc.'s next earnings report?
OptimumBank Holdings, Inc.'s next report was expected around October 15, 2026 and is not on file with the SEC yet.
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Where the numbers come from
Financial figures are the values OptimumBank Holdings, Inc. tagged in its own SEC filings (XBRL), taken from the latest filing for each period, so restatements replace older figures. Revenue, profit and cash flow are for full fiscal years unless marked as the last twelve months, which is the sum of the four most recent quarters. Where a company reports only the full year, the fourth quarter is the year minus the first three.
Prices are delayed end-of-day market data in the listing currency, and market cap moves with the price. P/E is shown only when earnings per share are positive. Nothing here is investment advice.