What is OptimumBank Holdings's market cap?

OptimumBank Holdings (OPHC) has a market capitalization of $81.8M and trades on NASDAQ.

What is OptimumBank Holdings's revenue and profitability?

OptimumBank Holdings generated $58.8M in trailing twelve-month revenue with net income of $20.5M, representing a net margin of 34.9%. These figures are based on the Q2 2026 filing.

Who are OptimumBank Holdings's competitors?

OptimumBank Holdings's key competitors include Bank of America, Wells Fargo, JPMorgan Chase, and others. These companies compete in similar markets and product categories.

Who does OptimumBank Holdings partner with?

OptimumBank Holdings's notable partners include IntraFi Network, Visa, Zelle, and others.

What subsidiaries does OptimumBank Holdings have?

OptimumBank Holdings's subsidiaries include OptimumBank, OptimumFunding, LLC.

Where is OptimumBank Holdings headquartered?

OptimumBank Holdings is headquartered in United States of America and employs approximately 60 people. It has been publicly traded since 2003.

OptimumBank Holdings

OPHC

OptimumBank Holdings, Inc. operates as the bank holding company for OptimumBank, providing a comprehensive suite of community banking services to individuals and corporate clients.

Market cap

$81.83M+51.4%

Revenue$58.8M+36.3%

Net income$20.5M+39.2%

EPS (diluted)$0.87+10.1%

Trailing twelve months · change vs. prior year

Table of contents

Earnings

Q2 2026 report

July 24, 2026

Revenue$17.2MBeat by $3.0M EPS$0.28Beat by $0.07

Read the full report

Next report

Date not yet announced

Financials

Q2 2026

Income statement

See full

Revenue$17.2M+42.3%

Net income$6.7M+84.8%

EPS (diluted)$0.28-3.4%

Balance sheet

See full

Cash & equivalents$14.6M-91.9%

Total debt$2.5M-4.3%

Total equity$134.4M+20.7%

Total assets$1.4B+40.2%

Valuation & ratios

Valuation

See full

Market cap$81.83M+51.4%

Enterprise value$69.74M-156%

P/E4×+0.3×

P/S1.4×+0.1×

Profitability

See full

Net margin34.9%+0.7pp

Returns & leverage

See full

Return on equity16.7%+1.8pp

Debt / equity0×0.0×

Competitors

By market cap

JPMorgan Chase$946.85B+15.4%

Bank of America$436.03B+21.6%

Wells Fargo & Company$264.30B-1.2%

PNF

Pinnacle Financial Partners $15.6B+118%

Burke & Herbert Financial Services Corp.$1.5B+58.1%

Equity Bancshares$1.0B+54.2%

PCB Bancorp$398.4M+29.7%

OptimumBank Holdings$81.8M+52.0%

By revenue growth

OptimumBank Holdings+36.3%

PCB Bancorp+16.0%

JPMorgan Chase+13.5%

Bank of America+10.7%

Equity Bancshares+10.1%

Burke & Herbert Financial Services Corp.+8.1%

Wells Fargo & Company+6.2%

By net margin

OptimumBank Holdings34.86%+0.7pp

PCB Bancorp33.92%+5.8pp

JPMorgan Chase32.63%+0.4pp

Bank of America27.79%+2.3pp

Burke & Herbert Financial Services Corp.26.65%-4.4pp

Wells Fargo & Company26.05%+0.9pp

Equity Bancshares13.99%-14.9pp

Profile

OptimumBank Holdings, Inc. operates as the bank holding company for OptimumBank, providing a comprehensive suite of community banking services to individuals and corporate clients. The company focuses on generating growth through commercial real estate lending, specialized treasury management for niche industries, and personalized retail banking. Its core value proposition centers on leveraging modern technology and deep sector expertise in healthcare and small business lending to serve the South Florida market.

Competitive position

A niche regional player in South Florida specializing in healthcare lending and treasury services for the merchant cash advance industry.

GeographiesUnited States, Florida

Customer segmentsSMEs, Healthcare providers, Retail consumers, Real estate developers

Business modelInterest-based lending, Fee-based services, B2B Banking

SuppliersFederal Reserve System, Federal Home Loan Bank of Atlanta, Data processing outsourcers, Core banking system providers

CustomersSmall business owners, Skilled nursing facility operators, Real estate investors, Merchant cash advance companies

CountryUnited States of America

Listed2003

Employees60.0

CEOMoishe Gubin

SectorFinancial Services

IndustryBanks - Regional

Websiteoptimumbank.com

FilingsSEC EDGAR

Ask your AI about OptimumBank Holdings.

Connect your AI assistant and dig into the numbers, right in your chat.

Connect your AI

Claude

Questions, answered.

What is OptimumBank Holdings's market cap?: OptimumBank Holdings (OPHC) has a market capitalization of $81.8M and trades on NASDAQ.
What is OptimumBank Holdings's revenue and profitability?: OptimumBank Holdings generated $58.8M in trailing twelve-month revenue with net income of $20.5M, representing a net margin of 34.9%. These figures are based on the Q2 2026 filing.
Who are OptimumBank Holdings's competitors?: OptimumBank Holdings's key competitors include Bank of America, Wells Fargo, JPMorgan Chase, and others. These companies compete in similar markets and product categories.
Who does OptimumBank Holdings partner with?: OptimumBank Holdings's notable partners include IntraFi Network, Visa, Zelle, and others.
What subsidiaries does OptimumBank Holdings have?: OptimumBank Holdings's subsidiaries include OptimumBank, OptimumFunding, LLC.
Where is OptimumBank Holdings headquartered?: OptimumBank Holdings is headquartered in United States of America and employs approximately 60 people. It has been publicly traded since 2003.