OptimumBank Holdings Inc. (NYSE American: OPHC) Is ‘One to Watch’

September 10, 2025 at 10:35 AM EDT

OptimumBank has delivered record earnings and profitability, with 2024 net income of $13.1 million and Core ROAE above 23 percent, all achieved without credit losses for the past seven years.
The company expects to surpass $1.2 billion in assets by the end of 2025 and projects continued growth to $1.5 to $1.6 billion by year-end 2026, supported by a clean balance sheet and no exposure to long-dated, low-yield bonds.
OptimumBank achieved SBA Preferred Lender status in just over two years and grew its SBA lending program from zero, demonstrating rapid execution and small business demand.
Strategic investments in a new digital core platform are expected to enhance scalability and user experience.
OptimumBank maintains a strong capital position and disciplined underwriting, with Tier 1 capital well above regulatory minimums and significant institutional ownership, including a notable position held by Alliance Bernstein.
OPHC trades at a significant discount relative to peers, despite stronger growth, credit quality, and returns, creating an attractive entry point for investors.

OptimumBank Holdings (NYSE American: OPHC) is a single bank holding company that owns 100% of OptimumBank, a community bank headquartered in Fort Lauderdale, Florida. OptimumBank offers relationship-driven banking available in person, by phone, and online, serving both local and international clients by offering an alternative to the high fees and impersonal service of larger institutions. Its expertise in real estate and commercial lending has made it a preferred partner for borrowers seeking knowledgeable, accessible financial support.

Driven by disciplined execution and a commitment to local relationships, OptimumBank has experienced substantial organic growth, positioning itself as one of the fastest-growing community banks in the region. The company has surpassed $1 billion in total assets and remains focused on scaling…

NOTE TO INVESTORS: The latest news and updates relating to OPHC are available in the company’s newsroom at https://ibn.fm/OPHC

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OptimumBank Holdings Inc. (NYSE American: OPHC) Is ‘One to Watch’

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