{"filings":[{"id":2356516,"accession_number":"0001493152-26-039232","cik":1288855,"company_name":"OptimumBank Holdings, Inc.","ticker":"OPHC","form_type":"8-K","filed_at":"2026-08-19T20:43:15+00:00","items":["1.01","2.03","7.01","9.01"],"status":"ready","headline":"OptimumBank issues $35M subordinated notes, 7.5% fixed-to-floating due 2036","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Sold $35.0M aggregate principal of 7.50% Fixed-to-Floating Rate Subordinated Notes due 2036 at 100% face value.","Fixed rate 7.50% through Aug 31, 2031, then resets quarterly to 3-month SOFR plus 340 basis points.","Redeemable at company's option on/after September 1, 2031; maturity September 1, 2036.","Net proceeds for general corporate purposes; notes intended to qualify as Tier 2 capital.","Private placement under Rule 506(b); registration rights agreement requires exchange offer for registered notes."],"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":0.65,"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":2227037,"accession_number":"0001493152-26-037611","cik":1288855,"company_name":"OptimumBank Holdings, Inc.","ticker":"OPHC","form_type":"8-K","filed_at":"2026-08-13T13:00:44+00:00","items":["7.01","9.01"],"status":"ready","headline":"OptimumBank posts record Q2 earnings, tops $1.4B assets; CEO transition completed","summary_kind":"llm","event_type":"earnings","confidence":"medium","bullets":["Record Q2 2026 earnings; total assets surpassed $1.4B for first time in company history.","Moishe Gubin assumed CEO role in May; Braden Smith joined as President.","Exchanged all Series B and C Convertible Preferred Stock into non-voting common stock.","OptimumFinance completed first transaction; OptimumFunding formed to broaden lending.","S&P Global ranked OptimumBank 49th best community bank; Compass Point upgraded to Buy."],"consensus_eps_estimate":0.2312,"consensus_eps_actual":0.48,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2026-Q2","consensus_source":"xbrl+finnhub","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":1839243,"accession_number":"0001493152-26-034476","cik":1288855,"company_name":"OptimumBank Holdings, Inc.","ticker":"OPHC","form_type":"8-K","filed_at":"2026-07-24T12:00:25+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"OptimumBank Q2 2026 net income $6.7M, up 85% YoY; diluted EPS $0.28","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $6.7M ($0.40 basic, $0.28 diluted) vs $3.6M ($0.31 basic, $0.15 diluted) in Q2 2025.","Gross loans grew $126.2M to $1.22B; deposits up $121.2M to $1.21B from prior quarter.","Net interest margin expanded to 4.57% from 4.32% YoY; ROAA 2.04%, ROAE 20.34%.","Leadership transition completed: Moishe Gubin became CEO effective May 1, 2026; Braden Smith joined as President.","Credit loss reversal of $0.4M; nonaccrual loans $2.1M, down from $3.2M YoY."],"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":0.8,"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":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; 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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; no specific financial figures disclosed in filing","summary_kind":"llm","event_type":"earnings","confidence":"low","bullets":["Company released a presentation on May 6, 2024 covering unaudited Q1 2024 results.","The 8-K filing does not include the actual financial data from the presentation.","Presentation details are not included in the provided text; investors must refer to the separate exhibit.","Event date: May 6, 2024; company trades on Nasdaq under OPHC."],"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":"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":221204,"accession_number":"0001493152-24-015532","cik":1288855,"company_name":"OptimumBank Holdings, Inc.","ticker":"OPHC","form_type":"8-K","filed_at":"2024-04-22T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"OptimumBank releases Q1 2024 presentation; no specific financial data provided","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["Filed presentation on April 22, 2024, covering unaudited Q1 2024 results.","Exhibit 99.1 text not included in this filing excerpt; no figures available.","No specific revenue, EPS, or segment data can be extracted from the filing."],"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":0.0,"calibrated_materiality_score":0.0,"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":240773,"accession_number":"0001493152-24-011739","cik":1288855,"company_name":"OptimumBank Holdings, Inc.","ticker":"OPHC","form_type":"8-K","filed_at":"2024-03-28T23:59:59+00:00","items":["1.01","3.02","5.03","9.01"],"status":"ready","headline":"Raises $7.9M through private placement of common and preferred stock","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Issued 1,511,025 common shares and 525,641 Series C preferred shares at $3.90 each, gross proceeds $7,942,997.","Six investors participated; registration rights granted for 1,381,025 common shares.","Compass Point Research and Trading acted as placement agent.","Proceeds to fund operating expenses and bank capital support.","Articles amended to authorize Series C preferred stock."],"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":0.6,"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":240772,"accession_number":"0001493152-24-005086","cik":1288855,"company_name":"OptimumBank Holdings, Inc.","ticker":"OPHC","form_type":"8-K","filed_at":"2024-02-06T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"OptimumBank Holdings releases presentation on unaudited FY2023 results; no specific figures provided","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["Presentation released February 6, 2024, summarizing unaudited results for year ended December 31, 2023.","Exact financial metrics (revenue, net income, EPS) not available from the provided filing excerpt.","Shareholders should consult the full presentation for detailed operational and 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":240771,"accession_number":"0001493152-24-004936","cik":1288855,"company_name":"OptimumBank Holdings, Inc.","ticker":"OPHC","form_type":"8-K","filed_at":"2024-02-05T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"OptimumBank 2023 net income $7.3M; assets up 36% to $791M; SBA lending goal $50M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income for the Bank was $7,254,285 in 2023; shareholder equity $70M.","Total assets reached $791M, up 35.53% from $584M; loan portfolio grew 40.69% to $680M.","Secured lending limit $18.7M, unsecured $11.2M.","New national SBA lending program expected $50M in closings in 2024; $20M accounts receivable credit lines provided to Skilled Nursing Facilities."],"consensus_eps_estimate":null,"consensus_eps_actual":0.87,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2023-FY","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":258271,"accession_number":"0001493152-23-044134","cik":1288855,"company_name":"OptimumBank Holdings, Inc.","ticker":"OPHC","form_type":"8-K","filed_at":"2023-12-08T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"OptimumBank assets exceed $755.7M; core earnings up to $1.41M; SBA lending approved","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Total assets reached $755.7M as of Oct 2023, up $43M from prior month; net loans increased $26M.","Core earnings (non-GAAP) for Oct 2023 were $1,410,900, up from $963,215 at Dec 2022.","SNF loan portfolio grew to over $28M since entering that business last year.","Approved for SBA lending; closed first $300K loan, $15M pipeline, targeting $50M in SBA loans in 2024.","Net income for Oct 2023 was $749,888 versus $540,836 at Dec 2022."],"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":258270,"accession_number":"0001493152-23-036471","cik":1288855,"company_name":"OptimumBank Holdings, Inc.","ticker":"OPHC","form_type":"8-K","filed_at":"2023-10-06T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"OptimumBank assets exceed $712M in Q3 2023, up $612M over five years","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Assets exceeded $712 million at Q3 2023, up from $99.45 million five years ago.","Year-to-date 2023 asset growth approximately $127 million through September 30.","Strategic plan includes expanding lending, core deposits, fee-based income, and M&A as buyer.","Focus on maintaining well-capitalized status and improving net interest margin.","Chairman highlights goal of increasing shareholder returns through earnings growth."],"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":0.55,"calibrated_materiality_score":0.55,"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":349671,"accession_number":"0001493152-22-024311","cik":1288855,"company_name":"OptimumBank Holdings, Inc.","ticker":"OPHC","form_type":"8-K","filed_at":"2022-08-29T23:59:59+00:00","items":["5.02","3.02"],"status":"ready","headline":"OptimumBank Holdings elects Steven Newman as director, sells 17,000 shares at $4.50 each","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Steven Newman elected to board to fill vacancy from Heng Fai Ambrose Chan's resignation; term expires at 2023 annual meeting.","Newman is CEO of Newman Group LLC, a real estate firm, and co-founder/chairman of Freight Factoring Specialists.","Company sold 17,000 shares of common stock to Newman at $4.50 per share ($76,500 total) in unregistered transaction under Section 4(a)(2).","Newman is independent under NASDAQ rules; no arrangements or related-party transactions disclosed."],"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":0.35,"calibrated_materiality_score":0.35,"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":366694,"accession_number":"0001493152-22-012563","cik":1288855,"company_name":"OptimumBank Holdings, Inc.","ticker":"OPHC","form_type":"8-K","filed_at":"2022-05-09T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Director Chan Heng Fai Ambrose resigns from OptimumBank board","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Chan Heng Fai Ambrose resigned as director effective April 30, 2022.","Cites time difference and workload as reasons for resignation.","No disagreement with the company on operations, policies, or practices.","He served as a director since June 2018 and expressed continued support."],"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":422986,"accession_number":"0001493152-21-020482","cik":1288855,"company_name":"OptimumBank Holdings, Inc.","ticker":"OPHC","form_type":"8-K/A","filed_at":"2021-08-18T23:59:59+00:00","items":["3.02"],"status":"ready","headline":"OptimumBank Holdings raises ~$2.1M via private placements of common stock","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Issued 262,417 shares in June 2021: 23,529 at $4.25, rest at $4.50 per share to four accredited investors.","Issued additional 205,823 shares in July 2021 at $4.50 to four accredited investors; director Martin Schmidt bought 5,323 shares.","Proceeds used to maintain OptimumBank's regulatory capital and fund business expansion and lending."],"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":422988,"accession_number":"0001493152-21-018327","cik":1288855,"company_name":"OptimumBank Holdings, Inc.","ticker":"OPHC","form_type":"8-K","filed_at":"2021-08-02T23:59:59+00:00","items":["3.02"],"status":"ready","headline":"OptimumBank Holdings raises $2.1M via private placement of 467,740 shares at $4.50","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Issued 467,740 shares at $4.50/share to seven accredited investors for aggregate proceeds of $2,104,830.","Director Martin Schmidt purchased 5,323 shares under the company's equity incentive plan.","Net proceeds will be contributed to OptimumBank to maintain regulatory capital and fund loan growth and expansion.","Shares were sold in a private placement exempt from registration under Section 4(a)(2) of the Securities Act."],"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":0.55,"calibrated_materiality_score":0.55,"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":422987,"accession_number":"0001493152-21-018235","cik":1288855,"company_name":"OptimumBank Holdings, Inc.","ticker":"OPHC","form_type":"8-K","filed_at":"2021-08-02T23:59:59+00:00","items":["3.02","8.01","9.01"],"status":"ready","headline":"OptimumBank completes exchange offer, retires all remaining TruPS with 689,572 shares","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Issued 689,572 common shares at $3.00/share to retire $2,068,716 of Trust Preferred Securities (TruPS).","All remaining TruPS acquired; trust to be terminated, increasing stockholders' equity.","Entities controlled by directors Chan Heng Fai Ambrose (282,377 shares) and Michael Blisko (207,550 shares) participated.","Company raised over $19.5M in equity since FY2020, including $5M in Q2 2021 common stock sale.","Transaction expected to enhance capital structure and support regulatory compliance."],"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}],"next_cursor":null}