OptimumBank Holdings Inc (OPHC)
AMEXFinancialsBanks - RegionalSnapshot 2026-09-04
$8.98+0.11%
Close 2026-09-04 · 1-day change
AMEXFinancialsBanks - RegionalSnapshot 2026-09-04
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.
Continue expanding the loan portfolio and total deposits to support balance sheet growth and revenue expansion.
Stated as a priority in 2 of last 2 quarters. Gross loans grew from $1.09 billion in 2026-Q1 to $1.22 billion in 2026-Q2 (+$126.2 million), and total deposits increased from $1.09 billion to $1.21 billion (+$121.2 million) over the same period. Management is delivering strong loan and deposit growth consistent with stated priorities.
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 67% of the time over the next year (vs 56% for the rest of the cohort, n=7680).
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. Total deposits increased by $121.2 million from March 31, 2026, totaling $1.2 bil…”
“Gross loans increased by $132.1 million during the first quarter of 2026 to $1.09 billion. Total deposits increased by $161.1 million from December 31, 2025, totaling $1.09 billion at March 31, 2026.”
Focus on increasing net interest income and expanding net interest margin through disciplined loan and deposit pricing and balance sheet optimization.
Stated as a priority in 2 of last 2 quarters. Net interest income increased from $13.2 million in 2026-Q1 to $14.7 million in 2026-Q2 (+$1.5 million). Net interest margin expanded from 4.49% to 4.57% over the same period. Management is delivering on expanding net interest income and margin consistent with stated goals.
“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. Net interest margin was 4.57%, reflecting an 8 basis point incre…”
“Net interest income for the quarter-ended March 31, 2026 increased to $13.2 million, up by $1.3 million from the fourth quarter of 2025. Net interest margin was 4.49%, reflecting a 10 basis point inc…”
Continue disciplined underwriting and credit risk management to sustain low credit loss expense and strong credit quality metrics.
Stated as a priority in 2 of last 2 quarters. Credit loss expense reversed by $0.4 million in 2026-Q2 compared to $0.8 million expense in 2026-Q1. Allowance for credit losses was $11.0 million (0.91% of loans) in 2026-Q2, slightly down from $11.1 million (1.01%) in 2026-Q1. Net charge-offs remain modest. Management is maintaining strong credit quality and managing credit loss expense consistent with stated priorities.
“Credit loss reversal for the quarter-ended June 30, 2026 was $0.4 million. Allowance for credit losses stood at $11.0 million as of June 30, 2026, or 0.91% of total loans. Net charge-offs were $11,00…”
“Credit loss expense was $0.8 million during the first quarter of 2026. Allowance for credit losses stood at $11.1 million as of March 31, 2026, or 1.01% of total loans.”
Continue investments in personnel, technology, and infrastructure to support growth and operational scalability.
Stated as a priority in 2 of last 2 quarters. Noninterest expenses increased from $8.0 million in 2026-Q1 to $8.4 million in 2026-Q2, primarily due to investments in personnel and technology supporting growth. Management is maintaining focus on investing in talent and infrastructure consistent with stated priorities.
“Noninterest expenses increased to $8.4 million, reflecting continued investments in personnel and technology to support the Company’s growth.”
“Noninterest expenses increased to $8.0 million, primarily relating to an increase in employee compensation expenses and continued investments in personnel.”
Complete exchange of preferred stock to nonvoting common stock to simplify capital structure and enhance transparency for investors.
Newly stated in 2026-Q2. Management completed the exchange of all outstanding Series B and C Convertible Preferred Stock into nonvoting common stock, simplifying the capital structure. This was a one-time transaction with minimal impact on dilution, aligning with management's stated goal to improve transparency and shareholder value.
“During the second quarter, we completed the exchange of all outstanding Series B and Series C Convertible Preferred Stock into nonvoting common stock.”
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=9112).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, real (inflation-adjusted) rates, long-term interest rates, Fed net liquidity (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 56% of the time over the next year (vs 58% for the rest of the cohort, n=3751).
Not investment advice. As of 2026-09-04.