What is OPHC's market cap?

$113.04M, based on the Nov 4 close of $8.95.

What is OPHC's P/E ratio?

5.5× trailing-twelve-month earnings of $20.49M.

Does OptimumBank Holdings pay a dividend?

No regular cash dividend has been paid in the last year.

How much of OPHC is sold short?

97.9K shares, 1.0% of float, as of Oct 15, 2026.

What sector is OPHC in?

Financials, in the Banking & Credit industry.

NYSE American · OPHCFinancialsBanking & Credit

OptimumBank Holdings, Inc. (OPHC)

$8.95−2.40%

Close Nov 4, 2026 · split-adjusted

Nov 2, 2026$9.27▲ 126.10% in range

Nov 3, 2025Low $3.95 · High $10.10Nov 2, 2026

What changed · written from our data

As of Nov 4, 2026

OptimumBank Holdings closed at $8.95 on Nov 4, down 2.40%, 11.4% below its 52-week closing high. Volume of 61.4K shares was 0.99× its 20-day average (close to normal).

Split-adjusted performance: +1.6% over one month, +62.1% over six months, +118.3% over one year.

In the quarter ended Jun 30, 2026, revenue was $24.21M, up 39.0% from a year earlier, with a net margin of 27.5%.

Short interest was 97.9K shares at the Oct 15 settlement, down 5.6% from the prior report (1.0% of float, 1.6 days to cover).

Market cap$113.0M12.6M shares

Revenue · quarter$24.2M+39.0% YoY

Diluted EPS$0.28+86.7% YoY

P/E · TTM5.5×P/S 1.4×

Net margin27.5%Gross 71.0%

Dividend yieldNone

52-week range3.95 – 10.10−11.4% from high

Volume61.4K0.99× 20-day avg

Volatility · 60d40.9%Annualised

Short % of float1.0%1.6 days to cover

Net cash$136.1MCash $175.1M

Next earnings—Not scheduled

Split-adjusted performance

1W −2.4%1M +1.6%3M −0.6%6M +62.1%YTD +110.6%1Y +118.3%3Y +183.2%5Y +67.9%

Earnings reactions

History →

No reported quarters with price history yet.

Rank within Banking & Credit

Percentile among 435 companies (100 = best)

6-month momentum99

Revenue growth91

Net margin89

Value (low P/E)95

Size13

Industry medians: 6-month return +7.4%, revenue growth +5.2%, net margin 18.2%, P/E 12.5×.

Short interest

Details →

Shares short97.9K−5.6% vs prior

Days to cover1.6Settled Oct 15

% of float1.0%

Short vol. 10d36.5%of daily volume

Closest peers by size in Banking & Credit

Company	Price	Today	6M	Rev. growth	Net margin	P/E	Mkt cap
OPHCOptimumBank Holdings	$8.95	−2.40%	+62.1%	+39.0%	27.5%	5.5	$113.0M
MBINNMerchants Bancorp Depositary Shares Preferred Series C	$18.80	+2.96%	−10.3%	−4.3%	20.0%	0.5	$112.8M	Compare
PROVProvident Financial Hldgs	$18.20	+0.06%	+6.4%	+1.6%	14.4%	16.9	$112.8M	Compare
PNBKPatriot National Bancorp	$0.8940	+1.59%	−14.9%	+44.2%	0.7%	—	$112.7M	Compare
UNBUnion Bankshares	$23.15	+1.49%	−7.3%	+8.5%	12.5%	9.5	$114.5M	Compare
FOAFinance of America Companies	$11.99	+13.87%	−42.9%	+10.6%	12.4%	541.8	$110.5M	Compare
BOTJBank of the James Financial Group	$24.26	+2.02%	+5.0%	+6.7%	19.3%	9.6	$110.2M	Compare
SFBCSound Financial Bancorp	$45.77	+1.71%	+8.0%	+1.5%	15.5%	13.6	$109.0M	Compare
CNOBPConnectOne Bancorp, Inc. Depositary Shares, each representing a 1/40th interest in a share of 5.25% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series A	$25.50	+0.37%	+1.9%	−10.4%	16.1%	0.8	$117.3M	Compare

News about OptimumBank Holdings

All news →

Zacks.com featured highlights Interface, Vince Holding and OptimumBankZacks Investment Research · Oct 7, 2026▲ Positive

Quick answers

What does OptimumBank Holdings do?: OptimumBank Holdings Inc serves as a bank holding company for OptimumBank. The Bank provides community banking services to individuals and corporate customers.
What is OPHC's market cap?: $113.04M, based on the Nov 4 close of $8.95.
What is OPHC's P/E ratio?: 5.5× trailing-twelve-month earnings of $20.49M.
Does OptimumBank Holdings pay a dividend?: No regular cash dividend has been paid in the last year.
How much of OPHC is sold short?: 97.9K shares, 1.0% of float, as of Oct 15, 2026.
What sector is OPHC in?: Financials, in the Banking & Credit industry.

About OptimumBank Holdings

OptimumBank Holdings Inc serves as a bank holding company for OptimumBank. The Bank provides community banking services to individuals and corporate customers. The services provided by the bank include demand interest-bearing and non-interest-bearing accounts, negotiable order of withdrawal accounts, borrowings, repayment of loans, money market deposit accounts, debit cards, automated teller machines, and other bank related services.

HQ: Fort Lauderdale, FL98 employeesListed May 8, 2003optimumbank.com

Sources: Massive / Polygon daily aggregates (split-adjusted) · SEC filings via Massive · FINRA settlements via Massive · Financial Modeling Prep. Figures are dated where shown; research is informational, not investment advice. Methodology