{"filings":[{"id":91946,"accession_number":"0001493152-26-021238","cik":1288855,"company_name":"OptimumBank Holdings, Inc.","ticker":"OPHC","form_type":"8-K","filed_at":"2026-05-05T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"OptimumBank Holdings CEO Terry retires; Chairman Gubin appointed CEO, Smith named President","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Timothy Terry retired as CEO of OptimumBank Holdings and OptimumBank on May 1, 2026; will assist with transition.","Chairman Moishe Gubin appointed CEO and principal executive officer of the Company and CEO of the Bank effective same date.","Braden R. Smith appointed President of OptimumBank; previously Chief Business Development Officer at Amerant Bank (2024-2026) and EVP at Wintrust Financial (2009-2024)."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":68111497.1986909,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":91945,"accession_number":"0001493152-26-021029","cik":1288855,"company_name":"OptimumBank Holdings, Inc.","ticker":"OPHC","form_type":"8-K","filed_at":"2026-05-04T23:59:59+00:00","items":["5.07","9.01"],"status":"ready","headline":"Shareholders elect six directors, approve nonvoting common stock at OptimumBank annual meeting","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Elect directors: Moishe Gubin, Joel Klein, Avi Zwelling, Thomas Procelli, Michael Blisko, Steven Newman (each >94% support).","Amendment to authorize nonvoting common stock approved: 6,699,923 For, 172,576 Against (97.5% of votes cast).","Ratified Hacker, Johnson & Smith as independent auditor for FY2026: 8,947,652 For, 20,338 Against.","Adjournment proposal passed: 8,432,766 For, 388,083 Against.","73.9% of outstanding shares (8,991,733 of 12,166,437) were represented."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":68111497.1986909,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":91944,"accession_number":"0001493152-26-018855","cik":1288855,"company_name":"OptimumBank Holdings, Inc.","ticker":"OPHC","form_type":"8-K","filed_at":"2026-04-24T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"OptimumBank Q1 net income $4.7M ($0.20 diluted EPS), up 20% YoY; assets grow 14% QoQ","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $4.7M vs $3.9M YoY; diluted EPS $0.20 vs $0.17 YoY.","Net interest margin 4.49%, up 10bps QoQ and 43bps YoY; net interest income $13.2M.","Gross loans $1.09B, up 13.8% QoQ; deposits $1.09B, up 17.3% QoQ.","Noninterest expenses $8.0M, up from $6.7M Q4 2025, driven by compensation costs.","Tangible book value $10.43 per share (down QoQ due to preferred conversion); diluted TBV $5.37 (+14.9% annualized)."],"consensus_eps_estimate":null,"consensus_eps_actual":0.2,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2026-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":68111497.1986909,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":102377,"accession_number":"0001493152-26-007689","cik":1288855,"company_name":"OptimumBank Holdings, Inc.","ticker":"OPHC","form_type":"8-K","filed_at":"2026-02-23T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"OptimumBank forms OptimumFunding subsidiary for HUD/FHA lending platform","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Wholly-owned subsidiary OptimumFunding, LLC created to originate HUD- and FHA-insured loans.","Focus on bridge-to-HUD financing and government-insured loans for multifamily and skilled nursing properties.","Board approved dividend to parent; capital invested to support initial operations and platform build-out.","New platform complements existing core banking with a relationship-driven, single-source lending model.","Chairman Moishe Gubin says expansion expected to enhance profitability and shareholder value."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":68111497.1986909,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":102376,"accession_number":"0001493152-26-004703","cik":1288855,"company_name":"OptimumBank Holdings, Inc.","ticker":"OPHC","form_type":"8-K","filed_at":"2026-02-02T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"OptimumBank Q4 net earnings $4.85M ($0.21 diluted EPS); FY2025 net $16.64M ($0.71 diluted EPS)","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 net earnings $4.85M ($0.21 diluted EPS), up from $3.95M ($0.18) in Q4 2024 and $4.32M ($0.18) in Q3 2025.","Full-year 2025 net earnings $16.64M ($1.42 basic, $0.71 diluted), up from $13.12M ($1.39 basic, $0.63 diluted) in 2024.","Gross loans $958.79M (+$145.07M or 17.83% QoQ); deposits $931.75M (-$27.74M QoQ, +20.66% YoY).","Net interest margin 4.39% (up 2 bps QoQ, up 60 bps YoY); credit loss expense decreased to $0.40M from $0.76M Q3.","Nonaccrual loans fell to $2.90M from $7.58M end of 2024; Tier 1 leverage ratio 11.39%."],"consensus_eps_estimate":null,"consensus_eps_actual":0.71,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":68111497.1986909,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":102375,"accession_number":"0001493152-26-004357","cik":1288855,"company_name":"OptimumBank Holdings, Inc.","ticker":"OPHC","form_type":"8-K","filed_at":"2026-01-30T23:59:59+00:00","items":["1.01","3.02","9.01"],"status":"ready","headline":"OptimumBank Holdings issues 531,178 common shares in exchange for 65 Series B preferred shares from Michael Blisko","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Michael Blisko exchanged 65 Series B Convertible Preferred Stock shares for 531,178 newly issued Company common shares.","Transaction consummated via Exchange Agreement dated January 27, 2026.","Securities issued under exemption from registration per Section 3(a)(9) of the Securities Act.","Filing marks material definitive agreement (Item 1.01) and unregistered equity sale (Item 3.02)."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":68111497.1986909,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":102374,"accession_number":"0001493152-26-002744","cik":1288855,"company_name":"OptimumBank Holdings, Inc.","ticker":"OPHC","form_type":"8-K","filed_at":"2026-01-20T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"OptimumBank Holdings releases presentation on unaudited FY2025 results","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["Presentation describes unaudited results for the year ended December 31, 2025.","No specific financial figures provided in the filing text or appended exhibit.","Presentation released on January 20, 2026.","Investors must review the full presentation for operational details."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":68111497.1986909,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":118650,"accession_number":"0001493152-25-021952","cik":1288855,"company_name":"OptimumBank Holdings, Inc.","ticker":"OPHC","form_type":"8-K","filed_at":"2025-11-12T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"OptimumBank Q3 2025 net earnings $4.32M, up 20% QoQ; deposits grow 9%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q3 net earnings $4.32M ($0.18 diluted EPS) vs $3.60M in Q2 2025 and $3.30M in Q3 2024.","Net interest margin expanded to 4.37% from 4.32% QoQ; net interest income $11.05M.","Total deposits rose $80.62M to $959.49M (9.17% sequential growth); core noninterest-bearing deposits up $54.16M.","Total assets crossed $1.08B, up $83.92M from June 30, 2025 (33.6% annualized).","Tangible book value per diluted share $4.97, up from $4.76 in Q2 2025 and $4.28 a year ago."],"consensus_eps_estimate":null,"consensus_eps_actual":0.5,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":68111497.1986909,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":118649,"accession_number":"0001493152-25-018261","cik":1288855,"company_name":"OptimumBank Holdings, Inc.","ticker":"OPHC","form_type":"8-K","filed_at":"2025-10-16T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"OptimumBank Holdings releases unaudited nine-month results presentation; no figures in 8-K text","summary_kind":"llm","event_type":"earnings","confidence":"low","bullets":["Filing on Oct 16, 2025 references a presentation on unaudited results for period ended Sep 30, 2025.","Presentation furnished as Exhibit 99.1 but not included in the provided text; specific financial data unavailable.","Event disclosed under Items 2.02 and 7.01; information furnished, not filed.","No guidance or material changes to prior disclosures noted in the filing body."],"consensus_eps_estimate":null,"consensus_eps_actual":0.5,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q3","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":68111497.1986909,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":118648,"accession_number":"0001493152-25-016528","cik":1288855,"company_name":"OptimumBank Holdings, Inc.","ticker":"OPHC","form_type":"8-K","filed_at":"2025-10-01T23:59:59+00:00","items":["5.03","9.01"],"status":"ready","headline":"OptimumBank amends Series B preferred stock to conform to Series C; diluted share count affected","summary_kind":"llm","event_type":"other","confidence":"medium","bullets":["Effective Oct 1, 2025, articles of incorporation amended to restate Series B preferred terms to match Series C.","Series B preferred stock now included in diluted common shares and diluted EPS calculations.","No specific financial impact disclosed; amendment filed as Exhibit 3.1."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":68111497.1986909,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":135143,"accession_number":"0001641172-25-023111","cik":1288855,"company_name":"OptimumBank Holdings, Inc.","ticker":"OPHC","form_type":"8-K","filed_at":"2025-08-12T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"OptimumBank corrects earnings-call guidance, targets $1.5-1.6B assets by 2026","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Correction: prior earnings call mistakenly gave 2025 projection; actual projection is for 2026.","Reiterates 25-30% annual growth trajectory; current assets near $1B.","Targets exceeding $1.2B in total assets by end of 2025.","Projects total assets of $1.5B to $1.6B by end of 2026."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":68111497.1986909,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":135142,"accession_number":"0001641172-25-022422","cik":1288855,"company_name":"OptimumBank Holdings, Inc.","ticker":"OPHC","form_type":"8-K","filed_at":"2025-08-06T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"OptimumBank Q2 net income $3.6M, EPS $0.29; NIM expands to 4.32%, deposits up $25.9M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net earnings $3.60M ($0.31 basic, $0.29 diluted EPS) vs $3.87M in Q1 and $3.50M in Q2 2024.","Net interest margin improved to 4.32% from 4.06% in Q1 and 3.79% in Q2 2024; cost of interest-bearing liabilities fell to 3.49%.","Total deposits grew $25.93M to $878.87M; noninterest-bearing demand deposits increased to $259.82M from $235.78M.","Nonaccrual loans dropped sharply to $3.22M from $7.51M at March 31, 2025; loans decreased $15.68M due to payoffs.","Tier 1 capital ratio 11.89%; tangible book value per share $9.48, up from $9.19."],"consensus_eps_estimate":null,"consensus_eps_actual":0.61,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q2","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":68111497.1986909,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":135141,"accession_number":"0001641172-25-020835","cik":1288855,"company_name":"OptimumBank Holdings, Inc.","ticker":"OPHC","form_type":"8-K","filed_at":"2025-07-24T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"OptimumBank files Q2 2025 earnings presentation; no financial data in body","summary_kind":"llm","event_type":"earnings","confidence":"low","bullets":["Presentation covers unaudited results for period ended June 30, 2025.","Filing provides no specific revenue, EPS, or balance sheet figures.","Investors must view separate Exhibit 99.1 for financial details."],"consensus_eps_estimate":null,"consensus_eps_actual":0.61,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q2","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":68111497.1986909,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":135140,"accession_number":"0001641172-25-017291","cik":1288855,"company_name":"OptimumBank Holdings, Inc.","ticker":"OPHC","form_type":"8-K","filed_at":"2025-07-01T23:59:59+00:00","items":["1.01","9.01"],"status":"ready","headline":"OptimumBank adds A.G.P./Alliance Global Partners as agent for ATM equity program","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Amendment No. 1 to At Market Issuance Sales Agreement dated July 1, 2025, adds A.G.P./Alliance Global Partners as Agent.","Original agreement with Compass Point Research & Trading, LLC dated August 9, 2024 remains in effect.","Shares offered under existing S-3 registration statement (File No. 333-281430) and prospectus supplement filed July 1, 2025.","Proceeds from any sales will be used for general corporate purposes."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":68111497.1986909,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":152121,"accession_number":"0001641172-25-012806","cik":1288855,"company_name":"OptimumBank Holdings, Inc.","ticker":"OPHC","form_type":"8-K","filed_at":"2025-05-29T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"OptimumBank Holdings releases unaudited Q1 2025 presentation; no specific financials disclosed in filing","summary_kind":"llm","event_type":"earnings","confidence":"low","bullets":["Filed a presentation under Item 7.01 covering unaudited results for period ended March 31, 2025.","No specific financial figures (revenue, earnings, etc.) included in the provided filing text.","Presentation furnished as Exhibit 99.1; not filed or incorporated by reference per SEC rules.","Ticker OPHC on NYSE American; company is a Florida-based bank holding company."],"consensus_eps_estimate":null,"consensus_eps_actual":0.32,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":68111497.1986909,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":152120,"accession_number":"0001641172-25-008617","cik":1288855,"company_name":"OptimumBank Holdings, Inc.","ticker":"OPHC","form_type":"8-K","filed_at":"2025-05-05T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"OptimumBank Holdings promotes Elliot Nunez to CFO; Joel Klein retires as interim CFO","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Elliot Nunez, 58, promoted to Executive VP and CFO of OptimumBank Holdings, effective May 1, 2025.","Nunez had served as CFO of subsidiary OptimumBank since February 2020.","Joel Klein retired as interim CFO of the company on May 1, 2025, but continues on the board.","The CFO transition is an internal promotion, with no external replacement search indicated."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":68111497.1986909,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":152119,"accession_number":"0001641172-25-007990","cik":1288855,"company_name":"OptimumBank Holdings, Inc.","ticker":"OPHC","form_type":"8-K","filed_at":"2025-05-01T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"OptimumBank shareholders elect six directors, approve equity plan amendment, ratify auditor at 2025 annual meeting","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["All six director nominees elected with >6.1M votes each; broker non-votes of 2,140,786.","Equity Incentive Plan amended to increase authorized shares from 1,050,000 to 1,550,000 (5.1M For, 1.4M Against).","Ratification of Hacker, Johnson & Smith as auditor for fiscal 2025 passed with 8,637,834 For (99.4% of votes cast).","Turnout of 73.94% (8,689,070 of 11,751,082 outstanding shares) at the April 29, 2025 meeting."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.15,"market_cap_usd":68111497.1986909,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":152118,"accession_number":"0001641172-25-006002","cik":1288855,"company_name":"OptimumBank Holdings, Inc.","ticker":"OPHC","form_type":"8-K","filed_at":"2025-04-24T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"OptimumBank Holdings releases investor presentation covering FY2024 and Q1 2025 results","summary_kind":"llm","event_type":"earnings","confidence":"low","bullets":["Presentation filed as Exhibit 99.1 describes FY2024 and unaudited Q1 2025 results.","No specific financial figures or guidance changes are available from the filing text.","The presentation was furnished under Regulation FD and is not incorporated by reference."],"consensus_eps_estimate":null,"consensus_eps_actual":0.32,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":68111497.1986909,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":170946,"accession_number":"0001493152-25-004883","cik":1288855,"company_name":"OptimumBank Holdings, Inc.","ticker":"OPHC","form_type":"8-K","filed_at":"2025-02-05T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"OptimumBank reports 2024 net income $13.1M, up 108% from $6.3M; EPS $1.39 basic","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $13.1M ($1.39 basic EPS) vs $6.3M ($0.87) in 2023, doubling YoY.","Net interest income rose 46.3% to $34.7M; net interest margin improved to 3.83% from 3.75%.","Loans grew 18.2% to $804.0M; deposits up 20.7% to $772.2M.","Bank's Tier 1 capital ratio improved to 10.91% from 10.00%; well above well-capitalized minimum.","Completed ATM offering raising >$10M in early 2025 to further strengthen capital."],"consensus_eps_estimate":null,"consensus_eps_actual":1.33,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":68111497.1986909,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":170945,"accession_number":"0001493152-25-004091","cik":1288855,"company_name":"OptimumBank Holdings, Inc.","ticker":"OPHC","form_type":"8-K","filed_at":"2025-01-29T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Director Martin Z. Schmidt resigns from OptimumBank Holdings boards effective Jan 28, 2025","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Martin Z. Schmidt resigned from the boards of OptimumBank Holdings, Inc. and OptimumBank effective January 28, 2025.","Schmidt confirmed his resignation is not due to any disagreement with either entity.","No replacement director has been named at this time."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":68111497.1986909,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":170944,"accession_number":"0001493152-25-002819","cik":1288855,"company_name":"OptimumBank Holdings, Inc.","ticker":"OPHC","form_type":"8-K","filed_at":"2025-01-17T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"OptimumBank releases presentation on unaudited 2024 results; specific figures not detailed in filing","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["Presentation covers unaudited results for period ended December 31, 2024.","No specific financial figures are provided in the exhibit text available for review.","Investors should refer to the full presentation for detailed financial data."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":68111497.1986909,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":187904,"accession_number":"0001493152-24-050702","cik":1288855,"company_name":"OptimumBank Holdings, Inc.","ticker":"OPHC","form_type":"8-K","filed_at":"2024-12-19T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"OptimumBank transfers stock listing from Nasdaq to NYSE American effective Dec 31, 2024","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Ticker OPHC unchanged; last trade on Nasdaq Dec 30, first trade on NYSE American Dec 31, 2024.","Chairman Moishe Gubin says move should increase liquidity and visibility of common stock.","NYSE American VP Chris Taylor welcomed the company, citing home for many regional banks.","Company operates three banking offices in Broward and Miami-Dade Counties, Florida."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":68111497.1986909,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":187903,"accession_number":"0001493152-24-044308","cik":1288855,"company_name":"OptimumBank Holdings, Inc.","ticker":"OPHC","form_type":"8-K","filed_at":"2024-11-08T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"OptimumBank Q3 net income $3.3M, EPS $0.34; net interest income +51.5% YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income rose to $3.3M ($0.34 basic, $0.32 diluted) from $1.2M ($0.18) in Q3 2023.","Net interest income increased 51.5% to $8.962M; net interest margin improved to 3.96% from 3.79%.","Noninterest income up 22.4% to $1.115M, driven by service charges and other income.","Gross loans grew 14.4% to $778M; total deposits rose 26.1% to $806.5M vs Dec 2023.","Tier 1 capital ratio improved to 10.38% from 10.00% at year-end 2023."],"consensus_eps_estimate":null,"consensus_eps_actual":0.98,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":68111497.1986909,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":187902,"accession_number":"0001493152-24-042331","cik":1288855,"company_name":"OptimumBank Holdings, Inc.","ticker":"OPHC","form_type":"8-K","filed_at":"2024-10-24T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"OptimumBank Holdings releases Q3 2024 unaudited results presentation","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["Presentation filed as Exhibit 99.1 covers unaudited results for period ended September 30, 2024.","No specific financial figures (EPS, revenue, loans, deposits) are available from the filing excerpt.","Investors should review the full presentation for details on OptimumBank's quarterly performance."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":68111497.1986909,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":204423,"accession_number":"0001493152-24-030046","cik":1288855,"company_name":"OptimumBank Holdings, Inc.","ticker":"OPHC","form_type":"8-K","filed_at":"2024-08-02T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"OptimumBank releases Q2 2024 presentation; no specific figures in filing text","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["Filing includes Exhibit 99.1, a presentation on unaudited results for the period ended June 30, 2024.","No specific financial numbers, guidance, or material updates are provided in the extracted filing excerpt.","The presentation content is not included in the available text; only a reference to its release is contained."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":68111497.1986909,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":221207,"accession_number":"0001493152-24-022103","cik":1288855,"company_name":"OptimumBank Holdings, Inc.","ticker":"OPHC","form_type":"8-K","filed_at":"2024-05-31T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"OptimumBank Holdings reports shareholder vote results from 2024 annual meeting","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Meeting held May 30, 2024; 7,355,282 shares present (76.34% of 9,634,821 outstanding).","All seven director nominees elected: Moishe Gubin, Joel Klein, Martin Schmidt, Avi Zwelling, Thomas Procelli, Michael Blisko, Steven Newman; each received >5.9M votes for.","Ratification of Hacker, Johnson & Smith, P.A. as auditor for 2024 passed with 7,315,932 For, 1,297 Against, 38,053 Abstain."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.15,"market_cap_usd":68111497.1986909,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":221206,"accession_number":"0001493152-24-020156","cik":1288855,"company_name":"OptimumBank Holdings, Inc.","ticker":"OPHC","form_type":"8-K","filed_at":"2024-05-16T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"OptimumBank Q1 net earnings double to $2.38M; loan portfolio up 50% YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net earnings of $2.377M vs $1.153M in Q1 2023, a 106% increase.","Total assets $940M; loans net of allowance $746M; deposits $798M.","Loan portfolio grew 50.4% YoY to $755.9M from $502.5M.","Noninterest income rose 70% to $1.2M; capital ratio 10.20% (well capitalized).","Closed private placement of 2.31M common shares; launched SBA 7A lending."],"consensus_eps_estimate":null,"consensus_eps_actual":0.31,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":68111497.1986909,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":221205,"accession_number":"0001493152-24-017905","cik":1288855,"company_name":"OptimumBank Holdings, Inc.","ticker":"OPHC","form_type":"8-K","filed_at":"2024-05-06T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"OptimumBank Holdings releases Q1 2024 presentation; 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