OPHC OptimumBank Holdings, Inc.
Price Chart
Executive Summary
OptimumBank Holdings reported Q1 2026 diluted EPS of $0.20, missing the $0.23 consensus by 6.7%, despite strong loan and deposit growth. Net income declined sequentially due to higher noninterest expenses and credit loss provisions.
Actionable Insight
Monitor upcoming guidance on cost management and credit loss trends; despite top-line growth, rising expenses and EPS miss suggest margin pressure that could weigh on near-term valuation.
Key Facts
- Q1 2026 diluted EPS: $0.20 (missed $0.23 consensus by 6.7%)
- Net income: $4.7M vs $4.9M in prior quarter
- Loan portfolio grew $132.1M (13.8%) to $1.09B
- Deposits increased $161.1M (17.3%) to $1.09B
- Noninterest expenses rose $1.3M to $8.0M, driven by employee compensation
Financial Impact
EPS miss of $0.03 vs consensus; revenue not applicable for banks — net interest income was $13.2M, up $1.3M QoQ
Risk Factors
- Increasing noninterest expenses may compress profitability
- Elevated credit loss expense despite stable asset quality
Market Snapshot
Documents Analyzed
This report is based on 1 press release from GlobeNewswire.
| Document | Accession Number |
|---|---|
| PRESS-RELEASE Data (Synthetic) | press-3280779 |
Track record builds as more directional reports settle.
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
|
May 5, 2026
5w ago
|
8-K
| $5.59 $5.54 | ▼ −0.89% | ▼ −5.85% | $5.51 (−1.43%) |
|
Apr 24, 2026
6w ago
|
8-K
| $5.52 $5.52 | · 0.00% | ▲ +4.03% | $5.51 (+0.18%) |
|
Apr 24, 2026
6w ago
|
Press Release
| $5.52 $5.52 | · 0.00% | ▲ +4.03% | $5.51 (+0.18%) |
US Market Status
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