Optimumbank Holdings, Inc. (OPHC) — SEC Filings
Optimumbank Holdings, Inc. (OPHC) — 36 SEC filings. Latest: 8-K (May 5, 2026). Includes 26 8-K, 6 10-Q, 2 DEF 14A.
View Optimumbank Holdings, Inc. on SEC EDGAR
Overview
Optimumbank Holdings, Inc. (OPHC) is a publicly traded company tracked on ReadTheFiling. The most recent enriched filing is a 8-K filed on Nov 12, 2025: OptimumBank Holdings, Inc. filed an 8-K on November 12, 2025, reporting on its results of operations and financial condition. The filing also includes information related to Regulation FD disclosure and financial statements and exhibits. The company is incorporated in Florida and its principal execu
Sentiment Summary
Across 36 filings, the sentiment breakdown is: 35 neutral, 1 mixed. The dominant filing sentiment for Optimumbank Holdings, Inc. is neutral.
Filing Type Overview
Optimumbank Holdings, Inc. (OPHC) has filed 26 8-K, 6 10-Q, 2 DEF 14A, 2 10-K with the SEC between Feb 2024 to May 2026.
Filings by Year
Recent SEC Filings (36)
Risk Profile
Risk Assessment: Of OPHC's 29 recent filings, 0 were flagged as high-risk, 7 as medium-risk, and 22 as low-risk. The overall risk profile suggests relatively low risk with generally favorable filings.
Industry Context
OptimumBank Holdings, Inc. operates within the National Commercial Banks sector (SIC 6021). This industry is characterized by intense competition, evolving regulatory landscapes, and the increasing adoption of digital banking technologies. Banks in this sector typically focus on deposit-taking, lending, and providing a range of financial services to individuals and businesses.
Top Tags
8-K (8) · financial-condition (6) · 10-Q (5) · disclosure (5) · financial-statements (4) · results-of-operations (3) · corporate-governance (3) · financial-reporting (3) · financials (3) · preferred-stock (3)
Key Numbers
| Metric | Value | Context |
|---|---|---|
| Net Earnings | $11.795M | Increased 28.58% for nine months ended Sept 30, 2025, from $9.173M in 2024. |
| Net Interest Income | $30.716M | Increased 20.68% for nine months ended Sept 30, 2025, from $25.453M in 2024. |
| Total Assets | $1.083B | Increased 16.09% from $932.933M at Dec 31, 2024. |
| Total Deposits | $959.487M | Increased 24.25% from $772.195M at Dec 31, 2024. |
| Interest-Bearing Deposits with Banks | $225.815M | Increased 183.53% from $79.648M at Dec 31, 2024. |
| Diluted EPS | $0.50 | Decreased from $0.45 for nine months ended Sept 30, 2024, due to restatement. |
| Allowance for Credit Losses | $10.018M | Increased from $8.660M at Dec 31, 2024. |
| Common Shares Outstanding | 11,883,943 | As of September 30, 2025, up from 11,636,092 at December 31, 2024. |
| Series B Preferred Stock | $0 | Consistent balance from 2024-12-31 to 2025-06-30 |
| Series C Preferred Stock | $0 | Consistent balance from 2024-12-31 to 2025-06-30 |
| End of reporting period | 2025-06-30 | Latest financial snapshot for the company |
| Previous fiscal year-end | 2024-12-31 | Comparison point for equity balances |
| Reporting Period End Date | 2025-03-31 | Indicates the end of the financial quarter covered by the report. |
| Filing Date | 2025-05-12 | The date the 10-Q was officially submitted to the SEC. |
| Prior Period End Date | 2024-12-31 | Used for comparison with the current reporting period's financial data. |
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Frequently Asked Questions
What are the latest SEC filings for Optimumbank Holdings, Inc. (OPHC)?
Optimumbank Holdings, Inc. has 36 recent SEC filings from Feb 2024 to May 2026, including 26 8-K, 6 10-Q, 2 DEF 14A. Each filing includes an AI-generated plain-English summary.
What is the overall sentiment of OPHC filings?
Across 36 filings, the sentiment breakdown is: 35 neutral, 1 mixed. The dominant sentiment is neutral.
Where can I find Optimumbank Holdings, Inc. SEC filings explained simply?
ReadTheFiling provides AI-powered plain-English summaries of all Optimumbank Holdings, Inc. (OPHC) SEC filings, including 10-K annual reports, 10-Q quarterly reports, 8-K current reports, and insider trades.
What are the key financial highlights for Optimumbank Holdings, Inc.?
Key financial highlights from Optimumbank Holdings, Inc.'s most recent 10-Q include metrics such as revenue, net income, EPS, and debt ratios. Visit the filing detail page for the full breakdown.
What is the investment thesis for OPHC?
The investment thesis for OPHC includes bull, base, and bear case scenarios derived from AI analysis of recent SEC filings.
Who are the key executives at Optimumbank Holdings, Inc.?
Executive information for Optimumbank Holdings, Inc. is extracted from SEC filings as they are enriched with AI analysis.
What are the main risk factors for Optimumbank Holdings, Inc. stock?
Of OPHC's 29 assessed filings, 0 were flagged high-risk, 7 medium-risk, and 22 low-risk.
What are recent predictions and forward guidance from Optimumbank Holdings, Inc.?
Forward guidance and predictions for Optimumbank Holdings, Inc. are extracted from SEC filings as they are enriched.