Optimumbank Holdings, Inc. (OPHC) Stock Price & Analysis
Optimumbank Holdings, Inc. (OPHC) rose 5.35% to USD 6.3 as of July 25, 2026 at 07:25 UTC, according to Nexqual real-time market data.
OPHC last closed at USD 5.98; the session ranged USD 6.13–6.3 on volume of 235,459 shares. Market capitalization is $77.29M, with a 52-week range of USD 3.91–6.3 (ASE). Source: Nexqual, July 25, 2026 at 07:25 UTC.
Key Statistics (as of July 25, 2026 at 07:25 UTC)
| Price | USD 6.3 |
|---|---|
| Change | ▲ 5.35% (up) |
| Previous Close | USD 5.98 |
| Open | USD 6.05 |
| Day Range | USD 6.13 – 6.3 |
| 52-Week Range | USD 3.91 – 6.3 |
| Volume | 235,459 shares |
| Market Cap | $77.29M |
| Exchange | ASE |
Technical Analysis (OPHC)
Nexqual's technical model rates OPHC "BUY" based on 5 bullish and 3 bearish signals across 125 daily candles, as of July 25, 2026 at 07:25 UTC.
| Overall Signal | BUY |
|---|---|
| RSI (14) | 72.88 (overbought) |
| vs SMA50 | Above (USD 5.72) |
| MACD | 0.11 (positive) |
Analyst Ratings (OPHC)
Wall Street analysts rate OPHC "None" based on 3 analysts, with a mean price target of USD 7.17 (range USD 6.5–8), per Nexqual as of July 25, 2026 at 07:25 UTC.
| Consensus Rating | None |
|---|---|
| Analyst Count | 3 |
| Mean Target | USD 7.17 |
| High Target | USD 8 |
| Low Target | USD 6.5 |
| Buy / Hold / Sell | 3 / 0 / 0 |
Earnings (OPHC)
| Next Earnings Date | 2026-07-24 |
|---|---|
| EPS Estimate | USD 0.25 |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2026-06-30 | USD 0.28 vs est 0.24 ▲ beat |
| 2026-03-31 | USD 0.2 vs est 0.23 ▼ miss |
| 2025-12-31 | USD 0.21 vs est 0.2 ▲ beat |
| 2025-09-30 | USD 0.18 vs est 0.15 ▲ beat |
Source: Nexqual, July 25, 2026 at 07:25 UTC.
Financials & Fundamentals (OPHC)
| Total Revenue | $50.71M |
|---|---|
| Revenue Growth (YoY) | +31.30% |
| Gross Margin | +0.00% |
| Operating Margin | +44.88% |
| Profit Margin | +34.39% |
| ROE | +14.85% |
| Total Cash | $140.02M |
| Total Debt | $42.65M |
Source: Nexqual, July 25, 2026 at 07:25 UTC.
Financial Health Score (OPHC)
Nexqual rates Optimumbank Holdings, Inc.'s overall financial health "Mixed" across five dimensions, as of July 25, 2026 at 07:25 UTC.
| Growth | Strong — Revenue +31% YoY (latest Q) |
|---|---|
| Profitability | Weak — Pre-revenue or very early stage |
| Balance Sheet | Mixed — $140M cash vs $43M debt, net cash position |
| Cash Flow | Solid — Operating cash flow $23M |
| Efficiency | Mixed — ROE 15%, ROA 1.6% |
Ownership (OPHC)
| Insider Ownership | +18.50% |
|---|---|
| Institutional Ownership | +13.64% |
| Shares Outstanding | 12.27M |
| Float | 9.58M |
| Short % of Float | +0.07% |
Source: Nexqual, July 25, 2026 at 07:25 UTC.
Leadership (OPHC)
Optimumbank Holdings, Inc. is led by Moishe Gubin (age 48), CEO, Principal Executive Officer & Chairman of the Board, per Nexqual as of July 25, 2026 at 07:25 UTC.
| CEO, Principal Executive Officer & Chairman of the Board | Moishe Gubin (age 48) |
|---|---|
| Executive VP & CFO | Elliot Nunez (age 57) |
| Managing Director of Investor and Corporate Relations | Seth Denison |
| Vice President of Bank Operations, Branch Administration & Human Resources | Lesile M. Legg |
| Senior Vice President of Lending | Frank A. Nelson |
Major Backers & Investors (OPHC)
Notable institutional backers of Optimumbank Holdings, Inc. include Alliancebernstein L.P., Renaissance Technologies, Susquehanna International Group, LLP, according to Nexqual as of July 25, 2026 at 07:25 UTC.
Active Investors
| Investor | Stake |
|---|---|
| Alliancebernstein L.P. | 5.79% |
| Renaissance Technologies | 1.23% |
| Susquehanna International Group, LLP | 1.19% |
| Morgan Stanley | 0.99% |
| LPL Financial LLC | 0.61% |
| Fidelity | 0.57% |
| Bridgeway Capital Management, LLC | 0.31% |
Index Funds (Passive)
| Fund | Stake |
|---|---|
| Vanguard Group | 7.38% |
| Geode Capital | 0.79% |
| Dimensional Fund Advisors | 0.79% |
Source: Nexqual, July 25, 2026 at 07:25 UTC.
From Optimumbank Holdings, Inc.'s Latest SEC 10-K Filing (filed 2026-02-26)
Key Strengths & Strategy (as disclosed to the SEC)
- In December 2022, the Bank began participating as a member of the IntraFi Network, which is the largest provider of reciprocal deposits.
- Where appropriate, out of area loans will be considered, subject to proper due diligence to supplement portfolio diversification and increase interest income.   In addition, we have built capabilities in Small Business Administration (SBA) lending, entering the space in late 2023 and being designated as a Preferred Lender under the SBA's Preferred Lenders Program (PLP) in the first quarter of 2025.
Partnerships
- In one or more aspects of its business, the Bank competes with other commercial banks, credit unions, finance companies, mutual funds, insurance companies, brokerage and investment banking companies, and other financial intermediaries.
Source: SEC EDGAR 10-K, official filing. Curated by Nexqual.
Peers & Related Stocks
| Symbol | Name | Price | Change |
|---|---|---|---|
| PNBK | Patriot National Bancorp Inc. | USD 1.12 | ▼ 2.61% |
| OVBC | Ohio Valley Banc Corp. | USD 42.14 | ▼ 1.75% |
| PEBK | Peoples Bancorp of North Caroli | USD 43.02 | ▲ 0.47% |
| PBHC | Pathfinder Bancorp, Inc. | USD 15.9 | ▼ 0.49% |
| NSYS | Nortech Systems Incorporated | USD 14.25 | ▲ 0.78% |
Data source: Nexqual — real-time market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: July 25, 2026 at 07:25 UTC. This page is informational and not investment advice.