OptimumBank Holdings, Inc.
OPHC · National Commercial Banks · 12.3M shares · +26%/yr ↑ shares · EDGAR filings ↗
Reference price $4.73 · est. market cap ~$58M — last insider sale, 2026-02-02 (estimated from the dated SEC Form 4 price × shares outstanding — not a live quote)
Grade
B73OptimumBank Holdings — small Florida bank with high returns.
Strengths
- ROE 13.7% (86th pct), ROA (84th)
Risks
- Weak free cash flow (16th); very small scale
- Florida CRE/rate sensitivity
Notable findings
- Exec changeRecent 8-K item 5.02 8-K ↗
Key metrics
Return on equity
13.7%
Return on assets
1.5%
Net-income growth
26.9%
Free cash flow
$17M
Tangible book value
$122M
Insider transactions · last 18 months
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| 2026-02-02 | Terry Timothy | Sell | 39K | $4.73 |
| 2026-01-27 | Blisko Michael | Other | 531K | — |
| 2025-12-04 | Blisko Michael | Sell | 7.6K | $4.09 |
| 2025-12-04 | Blisko Michael | Buy | 7.6K | $4.09 |
| 2025-06-11 | Gubin Moishe | Buy | 264 | $4.53 |
| 2025-06-10 | Gubin Moishe | Buy | 300 | $4.55 |
| 2025-06-09 | Gubin Moishe | Buy | 700 | $4.53 |
All non-derivative Form 4 activity (SEC), newest first.
Notable events (8-K)
| Date | Items | |
|---|---|---|
| 2026-05-05 | Exec/director changeExhibits | filing ↗ |
| 2026-05-04 | Shareholder voteExhibits | filing ↗ |
| 2026-04-24 | ResultsReg FDExhibits | filing ↗ |
| 2026-02-23 | OtherExhibits | filing ↗ |
| 2026-02-02 | ResultsReg FDExhibits | filing ↗ |
| 2026-01-30 | Material agreement3.02Exhibits | filing ↗ |
| 2026-01-20 | ResultsReg FDExhibits | filing ↗ |
| 2025-11-12 | ResultsReg FDExhibits | filing ↗ |
Recent filings
| Form | Filed | Period | Accession |
|---|---|---|---|
| 10-Q | 2026-05-12 | 2026-03-31 | 0001493152-26-022399 ↗ |
| 8-K | 2026-05-05 | 2026-05-01 | 0001493152-26-021238 ↗ |
| 8-K | 2026-05-04 | 2026-04-28 | 0001493152-26-021029 ↗ |
| 8-K | 2026-04-24 | 2026-04-24 | 0001493152-26-018855 ↗ |
| 10-K | 2026-02-26 | 2025-12-31 | 0001493152-26-008143 ↗ |
| 8-K | 2026-02-23 | 2026-02-23 | 0001493152-26-007689 ↗ |
| 8-K | 2026-02-02 | 2026-02-02 | 0001493152-26-004703 ↗ |
| 8-K | 2026-01-30 | 2026-01-27 | 0001493152-26-004357 ↗ |
| 8-K | 2026-01-20 | 2026-01-20 | 0001493152-26-002744 ↗ |
| 8-K | 2025-11-12 | 2025-11-12 | 0001493152-25-021952 ↗ |
| 10-Q | 2025-11-10 | 2025-09-30 | 0001493152-25-021417 ↗ |
| 8-K | 2025-10-16 | 2025-10-16 | 0001493152-25-018261 ↗ |