9.05
+2.49%
Close of 9 Nov 2026, in USD
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About OptimumBank Holdings
From its filings with the US Securities and Exchange Commission
OptimumBank Holdings is based in Fort Lauderdale, Florida and is incorporated in Florida. Its shares trade on NYSE under the ticker OPHC. The SEC classifies its business as national commercial banks. In the fiscal year to 31 December 2025, it reported net income of $16.6m. At that date it held total assets of $1.11bn and shareholders' equity of $121.9m.
Company is subject to the supervision and regulation of The Board of Governors of the Federal Reserve System (the “Federal Reserve”).
Bank outsources most of its data processing services, including an automated general ledger, deposit accounting, and loan sub-system.
Florida pursuant to an interstate merger transaction in which the Florida bank is the resulting bank.
The rules and regulations of various federal agencies charged with the responsibility of implementing such federal laws.
Quoted from its 10-K, filed 26 Feb 2026. Read the filing on SEC.gov ↗
Company facts
- Sector
- Financials
- Industry
- Banks
- Listed since
- 8 May 2003
- Employees
- 98
- Website
- optimumbank.com ↗
- Head office
- 2929 EAST COMMERCIAL BOULEVARD, FORT LAUDERDALE, FL, 33308
- Incorporated in
- FL
- Classification
- National Commercial Banks
- Filer status
- Non-accelerated filer<br>Smaller reporting company
Leadership
Pay as last reported
- Mr. Moishe GubinIndependent Chairman of the Board$56,550
- Mr. Elliot NunezExecutive Vice President, Chief Financial Officer
- Mr. Timothy TerryPresident, Chief Executive Officer of the Bank$499,000
- Mr. Joel KleinDirector, since 2012$56,800
- Mr. Michael BliskoIndependent Director$28,800
- Mr. Steven NewmanIndependent Director$32,600
- Mr. Thomas ProcelliIndependent Director, since 2000$30,900
- Mr. Avi ZwellingIndependent Director$36,200
Environmental, social and governance
Scores out of 100, from our data supplier
- Overall
- 0
- Environment
- 0
- Social
- 0
- Governance
- 0
SWOT analysis
AI-generated by our data supplier. Not written or checked by our editors.
Strengths
- OptimumBank Holdings Inc. has several strengths that contribute to its competitive advantage:
- The company has consistently demonstrated strong financial performance, with steady revenue growth and healthy profit margins.
- OptimumBank offers a diverse range of financial products and services, catering to the needs of both individuals and businesses. This comprehensive portfolio allows the company to attract a wide customer base.
- The company is led by a highly skilled and experienced management team that possesses in-depth knowledge of the banking industry. Their expertise enables OptimumBank to make informed strategic decisions and effectively navigate the market.
Weaknesses
- Despite its strengths, OptimumBank Holdings Inc. also faces certain weaknesses:
- The company mainly operates in a specific region, limiting its ability to capitalize on nationwide market opportunities. This geographical restriction may hinder its growth potential.
- OptimumBank holds a relatively small market share compared to larger, more established banking institutions. This may pose challenges in terms of attracting new customers and competing against industry giants.
- As a banking entity, OptimumBank is susceptible to economic fluctuations and financial downturns. This sensitivity exposes the company to increased risk during times of economic instability.
Opportunities
- OptimumBank Holdings Inc. can leverage the following opportunities to drive growth:
- The company can explore opportunities to expand its geographic presence and reach new markets. By targeting untapped regions, OptimumBank can potentially increase its customer base and market share.
- Rapid advancements in technology present opportunities for OptimumBank to enhance its digital banking capabilities. By investing in innovative solutions, the company can improve convenience, efficiency, and customer experience.
- OptimumBank can consider strategic mergers or acquisitions to gain access to new markets, broaden its product range, and strengthen its competitive position. This approach can accelerate growth and increase market share.
Threats
- There are certain threats that OptimumBank Holdings Inc. must address:
- The banking industry is highly competitive, with numerous established players competing for market share. OptimumBank must differentiate itself and continuously innovate to withstand competition and attract and retain customers.
- Changes in banking and financial regulations can significantly impact OptimumBank's operations. Complying with evolving regulations while maintaining profitability requires continuous monitoring and adaptation.
- As technology advances, the risk of cyber threats, data breaches, and fraudulent activities also increases. OptimumBank needs to invest in robust cybersecurity measures to protect customer information and maintain trust.
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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