Key Highlights

  • 0.4 is the consensus EPS estimate for OptimumBank Holdings, Inc. (NASDAQ:OPHC), which reports third quarter 2026 results before the market opens on November 13, 2026, per the screener snapshot.
  • 6.7 million is the USD record second quarter 2026 net income, up from 4.7 million in the first quarter and 3.6 million a year earlier, or 0.40 basic and 0.28 diluted EPS.
  • 4.57% is the second quarter net interest margin, up from 4.49% in the first quarter and 4.32% a year earlier, on net interest income of USD 14.7 million and an efficiency ratio of 48.78%.
  • 1.40 billion is the USD total Assets at June 30, 2026, up 401.8 million year over year, with gross loans of 1.22 billion, deposits of 1.21 billion and a Tier 1 Leverage Ratio of 10.54%.

What Investors Expect From OptimumBank Holdings, Inc. (NASDAQ:OPHC) on November 13, 2026

OptimumBank Holdings, Inc. is listed to report third quarter 2026 results before the market opens (BMO) on November 13, 2026. Per the screener snapshot, the consensus estimate is EPS of 0.40 and the market Capitalization is USD 114.56 million. The estimate matches second quarter basic EPS of 0.40, though diluted EPS was 0.28, so the basis of the estimate is worth checking. Six-month Net Income was USD 11.3 million versus USD 7.5 million a year earlier, with basic EPS of 0.79 versus 0.64.

The Rationale: Last Reported Quarter and Management Outlook for OptimumBank Holdings, Inc. (NASDAQ:OPHC)

In the second quarter of 2026 pre-tax, pre-provision Earnings were USD 8.8 million, return on average assets was 2.04% and return on average Equity was 20.34%. Noninterest income was USD 2.5 million, noninterest expense was USD 8.4 million, and gross loans grew 11.6% from the first quarter, led by commercial real estate. OptimumFinance began operations with a USD 14.2 million first Loan and is expected to keep growing through 2026. Management called the quarter a record, but no numeric guidance was found.

Valuation, Liquidity and Risks for OptimumBank Holdings, Inc. (NASDAQ:OPHC)

Per the screener snapshot, Market Value is USD 114.56 million, against stockholders equity of USD 134.4 million and tangible Book Value of USD 5.65 per diluted share. Cash was USD 146.2 million, the loan to deposit ratio was 99.20%, and the allowance for Credit losses was USD 11.0 million, or 0.91% of loans. Nonaccrual loans were USD 2.1 million. Risks include Commercial Real Estate concentration, rapid growth, a thinner allowance ratio, dilution from the at-the-market offering and 23.8 million fully diluted shares, and several internal inconsistencies noted in the release.

Where Things Stand

Where things stand: OptimumBank Holdings, Inc. (NASDAQ:OPHC) reports third quarter 2026 results before the market opens on November 13, 2026, with a consensus EPS estimate of 0.40 and a market value of USD 114.56 million per the screener snapshot. The second quarter brought record net income of USD 6.7 million, a 4.57% net interest Margin and total assets of USD 1.40 billion. Moishe Gubin became chief executive on May 1, 2026, and the bank continues to issue shares through its offering. Investors will watch margin direction, loan growth, credit quality and the efficiency ratio of 48.78%. This article is informational and is not Investment advice.