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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 performance was negatively impacted by a decline in diluted earnings per share, primarily due to an average increase in common and preferred shares by 3,351,368 shares. Despite a $3.18 million improvement in net interest income and $0.63 million in noninterest income, the company's net earnings decreased to $3.60 million in Q2 2025 from $3.87 million in Q1 2025. Increased noninterest expenses and income taxes also contributed to the decline. The company's partnership with Habitat for Humanity of Broward, aimed at providing zero-interest mortgage loans, may not have a significant short-term impact.

1.c. Company Highlights

2. Transcript Summary

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3. NewsRoom

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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

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IBN Announces Latest Episode of The GotStocks Podcast featuring Moishe Gubin, Chairman of OptimumBank Holdings Inc.

Oct -21

Source: globenewswire.com

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OptimumBank to Present at the LD Micro Main Event XIX

Oct -15

Source: newsfilecorp.com

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IBN Initiates Coverage of OptimumBank Holdings Inc.

Sep -16

Source: globenewswire.com

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

Aug -07

Source: globenewswire.com

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OptimumBank (OPHC) Q2 EPS Jumps 93%

Aug -06

Source: fool.com

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OptimumBank Holdings, Inc., to Announce Second Quarter 2025 Results and Host Earnings Webcast on August 7, 2025

Aug -04

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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A-Score: 5.6/10

Value: 9.1

Growth: 6.4

Quality: 8.0

Yield: 0.0

Momentum: 2.5

Volatility: 7.7

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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

4.1$

Current Price

4.1$

Potential

-0.00%

Expected Cash-Flows