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1. Company Snapshot

1.a. Company Description

OptimumBank Holdings, Inc.operates as the bank holding company for OptimumBank that provides various consumer and commercial banking services to individuals and businesses.It accepts demand interest-bearing and noninterest-bearing, savings, money market, NOW, and time deposit accounts, as well as certificates of deposit; and offers residential and commercial real estate, multi-family real estate, commercial, land and construction, and consumer loans, as well as lending lines for working capital needs.


The company also provides debit and ATM cards; investment, cash management, notary, and night depository services; and direct deposits, money orders, cashier's checks, domestic collections, and banking by mail, as well as internet banking services.It operates through two banking offices located in Broward County, Florida.The company was founded in 2000 and is based in Fort Lauderdale, Florida.

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1.b. Last Insights on OPHC

OptimumBank Holdings, Inc.'s recent momentum is fueled by its enhanced capital structure, showcasing strong institutional and insider alignment. The company's modernized equity foundation, achieved through coordinated actions by key stakeholders, positions it for asset growth. Additionally, the bank's Q1 2026 owner-occupied commercial real estate promotion offers competitive financing solutions, reinforcing its relationship-driven lending model. The latest earnings release reported net earnings of $4, underscoring the company's financial stability.

1.c. Company Highlights

2. Transcript Summary

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3. NewsRoom

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OptimumBank Holdings, Inc. Announces Formation of OptimumFunding to Launch HUD and FHA Lending Platform

Feb -23

Source: globenewswire.com

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OptimumBank Holdings, Inc. Financial Performance for the Fourth Quarter of 2025

Feb -02

Source: globenewswire.com

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OptimumBank Holdings, Inc. to Present on the Emerging Growth Conference on January 21, 2026

Jan -16

Source: newsfilecorp.com

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OptimumBank Announces Q1 2026 Owner-Occupied Commercial Real Estate Promotion

Jan -09

Source: newsfilecorp.com

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OptimumBank Holdings, Inc. Announces Capital Structure Enhancements Reflecting Strong Institutional and Insider Alignment

Jan -05

Source: newsfilecorp.com

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OptimumBank Holdings, Inc. Announces Insider Share Purchase by Director Michael Blisko

Dec -09

Source: globenewswire.com

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OptimumBank Holdings, Inc. Financial Performance for the Third Quarter of 2025

Nov -12

Source: globenewswire.com

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OptimumBank to Ring the Opening Bell at the New York Stock Exchange in Celebration of 25 Years of Growth and Community Banking

Oct -24

Source: newsfilecorp.com

4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (4.50%)

6. Segments

Banking and Related Activities

Expected Growth: 4.5%

OptimumBank Holdings, Inc.'s growth is driven by increasing demand for digital banking services, expansion into new markets, and strategic partnerships. The company's focus on innovation and customer experience is expected to drive growth in deposits and loans, resulting in a forecasted CAGR of 4.5%.

7. Detailed Products

Personal Banking

OptimumBank Holdings, Inc. offers a range of personal banking services, including checking and savings accounts, credit cards, personal loans, and mortgages.

Business Banking

The company provides business banking services, including business checking and savings accounts, credit cards, lines of credit, and commercial loans.

Wealth Management

OptimumBank Holdings, Inc. offers wealth management services, including investment advice, portfolio management, and retirement planning.

Mortgage Lending

The company provides mortgage lending services, including fixed-rate and adjustable-rate mortgages, refinancing options, and home equity loans.

Treasury Management

OptimumBank Holdings, Inc. offers treasury management services, including cash management, wire transfers, and account reconciliation.

Digital Banking

The company provides digital banking services, including online banking, mobile banking, and mobile deposit.

8. OptimumBank Holdings, Inc.'s Porter Forces

Forces Ranking

Threat Of Substitutes

OptimumBank Holdings, Inc. operates in a highly competitive industry, and customers have various alternatives to choose from. However, the company's strong brand reputation and customer loyalty programs help to mitigate the threat of substitutes.

Bargaining Power Of Customers

OptimumBank Holdings, Inc. has a large customer base, but individual customers have significant bargaining power due to the availability of alternative banking services. The company needs to focus on customer retention and satisfaction to maintain its market share.

Bargaining Power Of Suppliers

OptimumBank Holdings, Inc. has a diversified supplier base, and no single supplier has significant bargaining power. The company's strong financial position and long-term contracts with suppliers also reduce the bargaining power of suppliers.

Threat Of New Entrants

The banking industry has high barriers to entry, including regulatory requirements and significant capital investments. However, the rise of fintech companies and digital banking platforms poses a moderate threat of new entrants to OptimumBank Holdings, Inc.

Intensity Of Rivalry

The banking industry is highly competitive, with many established players and new entrants vying for market share. OptimumBank Holdings, Inc. needs to focus on differentiating its services and improving operational efficiency to maintain its competitive edge.

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

Value
Debt Weight 52.03%
Debt Cost 3.95%
Equity Weight 47.97%
Equity Cost 5.48%
WACC 4.68%
Leverage 108.45%

11. Quality Control: OptimumBank Holdings, Inc. passed 4 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

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Growth: 5.6

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Momentum: 9.0

Volatility: 7.3

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Esquire Financial

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Citizens Community Bancorp

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Value: 6.3

Growth: 5.2

Quality: 6.4

Yield: 4.0

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Quality: 6.7

Yield: 8.0

Momentum: 3.0

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OptimumBank

A-Score: 5.4/10

Value: 9.6

Growth: 6.3

Quality: 6.9

Yield: 0.0

Momentum: 2.0

Volatility: 7.7

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A-Score: 5.3/10

Value: 5.8

Growth: 6.6

Quality: 8.0

Yield: 3.0

Momentum: 6.0

Volatility: 2.7

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Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

5.45$

Current Price

5.45$

Potential

-0.00%

Expected Cash-Flows