OptimumBank Holdings Inc (OPHC)
AMEXFinancialsBanks - RegionalSnapshot 2026-11-04
$8.84-3.64%
Close 2026-11-04 · 1-day change
AMEXFinancialsBanks - RegionalSnapshot 2026-11-04
QuarterlyIQ Insights · OPHC
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
A guidance track record builds as the company issues and delivers on guidance.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
The gross loan portfolio increased by $126.2 million, or 11.6%, from March 31, 2026 to $1.2 billion at June 30, 2026.
Stated in 2 of 2 supplied quarters. Management reported: “The gross loan portfolio increased by $126.2 million, or 11.6%, from March 31, 2026 to $1.2 billion at June 30, 2026.” “Total deposits increased by $121.2 million from March 31, 2026, totaling $1.2 billion at June 30, 2026, or 11.1% from the prior quarter.”
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 3 of the last 3 quarter-over-quarter moves. Historically, Financials names rated strong grew net income 66% of the time over the next year (vs 56% for the rest of the cohort, n=7714).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
“The gross loan portfolio increased by $126.2 million, or 11.6%, from March 31, 2026 to $1.2 billion at June 30, 2026.”
“The gross loan portfolio increased by $132.1 million, or 13.8%, during the first quarter of 2026 to $1.09 billion.”
|| ● | Net interest margin was 4.57%, reflecting an 8 basis point increase from 4.49% in the first quarter of 2026.
Stated in 2 of 2 supplied quarters. Management reported: “|| ● | Net interest margin was 4.57%, reflecting an 8 basis point increase from 4.49% in the first quarter of 2026.” “Net interest income for the quarter-ended June 30, 2026 increased to $14.7 million, up by $1.5 million from the first quarter of 2026 and $4.5 million from the second quarter of 2025, supported by higher yields on loans and securities and lower costs on interest-bearing liabilities.”
“|| ● | Net interest margin was 4.57%, reflecting an 8 basis point increase from 4.49% in the first quarter of 2026.”
“● Net interest margin was 4.49%, reflecting a 10 basis point increase from 4.39% in the fourth quarter of 2025.”
Credit loss reversal for the quarter-ended June 30, 2026 was $0.4 million, primarily due to improvements in the credit quality of the loan portfolio and the evaluation of factors used to determine th…
Stated in 2 of 2 supplied quarters. Management reported: “Credit loss reversal for the quarter-ended June 30, 2026 was $0.4 million, primarily due to improvements in the credit quality of the loan portfolio and the evaluation of factors used to determine the credit loss, partially offset by the growth in the loan portfolio.” “The allowance for credit losses stood at $11.0 million as of June 30, 2026, or 0.91% of total loans.”
“Credit loss reversal for the quarter-ended June 30, 2026 was $0.4 million, primarily due to improvements in the credit quality of the loan portfolio and the evaluation of factors used to determine th…”
“Credit loss expense as of quarter-ended March 31, 2026 increased to $0.8 million, primarily due to strong growth in loan balances, partially offset by improvements in the credit quality of the loan p…”
OptimumFinance, LLC completed its first loan in the second quarter of 2026 for $14.2 million, and is expected to continue growing through 2026.
Stated in 2 of 2 supplied quarters. Management reported: “OptimumFinance, LLC completed its first loan in the second quarter of 2026 for $14.2 million, and is expected to continue growing through 2026.” “With the closing of our first loan through OptimumFinance in April, this next phase is now underway.”
“OptimumFinance, LLC completed its first loan in the second quarter of 2026 for $14.2 million, and is expected to continue growing through 2026.”
“With the closing of our first loan through OptimumFinance in April, this next phase is now underway.”
Diluted shares include the impact of the exchange of Series B and C preferred shares to nonvoting common stock that occurred during the second quarter of 2026.
Stated in 1 of 2 supplied quarters. Management reported: “Diluted shares include the impact of the exchange of Series B and C preferred shares to nonvoting common stock that occurred during the second quarter of 2026.” “We also completed an important simplification of our capital structure through the exchange of all outstanding Series B and Series C Convertible Preferred Stock into non-voting common stock.”
“Diluted shares include the impact of the exchange of Series B and C preferred shares to nonvoting common stock that occurred during the second quarter of 2026.”
Over the trailing year it converted 1.03x of net income into operating cash flow. Historically, Financials names rated neutral grew net income 60% of the time over the next year (vs 57% for the rest of the cohort, n=9158).
Not enough signal yet.
Not enough signal to read sensitivity to the broad stock market, the US dollar, Fed net liquidity, long-term interest rates, real (inflation-adjusted) rates (low R² over the window).
8 material management or governance events in the past 24 months, led by capital-allocation actions. Historically, Financials names rated neutral grew net income 60% of the time over the next year (vs 58% for the rest of the cohort, n=10134).
Not investment advice. As of 2026-11-04.