OptimumBank (OPHC)
Community bank with South Florida lending and specialized bridge-to-HUD finance.
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Offers community banking, real-estate lending, payments, and treasury services, earning primarily from the spread between lending and deposit funding. New nonbank subsidiaries extend bridge, HUD, asset-based, and transitional financing beyond its South Florida branch network.
Provides community banking through OptimumBank and newer nonbank platforms, OptimumFunding and OptimumFinance. The bank takes deposits, provides payments and treasury services, and lends across multifamily, residential, commercial-real-estate, construction, commercial-and-industrial, consumer, and SBA-backed categories. Interest earned on loans and other earning assets is its core revenue source, supplemented by service, payment, treasury, and government-guaranteed loan-sale fees.
Operates from a South Florida branch footprint centered on Broward and Miami-Dade, with lending across nearby Florida counties and selected markets elsewhere. National merchant-cash-advance relationships use high-volume ACH processing, while the nonbank platforms extend bridge, HUD, asset-based, and transitional financing to healthcare, senior housing, multifamily, and commercial-real-estate clients. Deposit funding, property-secured credit exposure, outsourced data systems, capital rules, and banking oversight shape operations.
Company facts
No analyst consensus on record.
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $41.3M · Total debt $5.1M · Total assets $1.40B · Shareholders' equity $134.4M
- Revenue
- $19.9M
- Operating income
- $8.8M
- Net income
- $6.7M
No dividends on record.
| Institutions | 19.60% | 4.72M shares | |
|---|---|---|---|
| 25 holders · as of Jun 30, 2026 | |||
| Other | 80.40% | 19.36M shares | |
| remainder | |||
24.08M company shares as of Sep 23, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
Two share counts disagree (24.08M in the company's Sep 23, 2026 report, 12.17M elsewhere); stakes use the report.
This company has 2 share classes; every stake here is a share of the whole company.
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
AllianceBernstein L.P.Institution | 5.12% | 616,168 · 616,168 | as of Jun 30, 2026 |
Wellington Management Group LLPInstitution | 3.58% | 431,634 · 431,634 | as of Jun 30, 2026 |
Vanguard Capital Management LLCInstitution | 3.38% | 406,480 · 406,480 | as of Jun 30, 2026 |
Renaissance Technologies LLCInstitution | 1.29% | 155,051 · 155,051 | as of Jun 30, 2026 |
Geode Capital Management, LLCInstitution | 0.90% | 107,840 · 107,840 | as of Jun 30, 2026 |
Insider tradesForm 4
Nothing filed in the last 12 months.
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Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| OptimumBank | $9.01 | −2.38% | $112.3M | 5.4 | 7.2 | 1.4 | +42.3% |
| BankUnited | $43.60 | −0.42% | $3.18B | 12.3 | 10.3 | 1.7 | +3.9% |
| Amerant Bancorp | $28.96 | −0.79% | $1.14B | 21.1 | 11.5 | 2.0 | −7.2% |
| Seacoast Banking | $32.55 | −0.87% | $3.19B | 21.2 | 12.2 | 3.4 | +38.7% |
| Walker & Dunlop | $36.93 | −3.63% | $1.32B | 34.2 | 6.6 | 1.0 | +3.5% |
| Median | 21.1 | 10.9 | 1.9 | +3.7% |