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OptimumBank Holdings, Inc. Stock: price and insider trades · United States
No insider purchase over the last 90 days. The latest, by Gubin Moishe, was filed 12 Jun 2025.
OptimumBank Holdings, Inc.: what insiders have been doing
OptimumBank Holdings, Inc. is a Finance & Banking company. Its directors and officers file their transactions with SEC (Form 4). The last twelve months, up to 22 October 2026, brought 3 filings signed by 2 insiders.
No insider bought on the market over the period, while 2 insiders filed 2 sales totalling €184k. Biggest ticket of the year: €157k, sold by Terry Timothy and made public on 4 February 2026.
Compared with its exchange (2,023 companies, median 41 filings), a count of 3 filings is below the norm. Our records for OptimumBank Holdings, Inc. go back to 2019, with 12 purchases and 9 sales on the open market in total. On the fundamentals side, the SEC filing (10-K) for the period ending 31 December 2025 lists net income at 16.6 m USD.
Typically, a trade is published a median of 3 days after it takes place. US insiders must file a Form 4 within two business days of a trade. A sale on its own says little: insiders also sell to pay tax, fund a purchase or diversify.
Elsewhere in the same sector, our signals recently picked up insider purchases at Dynex Capital Inc and Presurance Holdings, Inc. This summary is built from SEC (Form 4) disclosures alone and does not predict where the share price will go.
Insider Decl.
22
Thresholds
n/a
Buy Volume
€52,953
12 ops. · all time
Sell Volume
€417,401
9 ops. · all time
Who traded when
BuySaleMoishe Gubin3 buys
Michael Blisko1 sale
Timothy Terry1 sale
Since the insiders bought
- +30.4%Entry US$4.41 · Close at T+365 US$5.75
- -44.8%Entry US$6.76 · Close at T+365 US$3.73
Entry is the close on the day after publication, the first price a reader could act on. Prices in the listing currency. Past moves are not a forecast.
This score ranks the purchase within its own market. A position size is suggested only on the venues of the backtested strategy universe; elsewhere, signals stay on watch. Not investment advice.
Fundamental score
Ranked 152 of 26,246 companies
89.4
score / 100
Value91
Quality88
FCF yld15%
Earn yld15%
EV/EBITDA·
ROE17%
Gross mgn·
Net mgn34%
Debt/EBITDA·
Pillars2/3
Transparent value + quality ranking, distinct from the insider signal.
Financial data
as of FY 2025FY ended December 2025 · cache
US$8.71
Analyst consensus
3 analysts1.00/5
US$10.50Target US$10.92(+25%)US$11.25
Income statement
RevenueUS$49.4M
Net incomeUS$16.6M36.0% margin
Valuation
PER (trailing)10.0x
PER (forward)6.5x
P/Book1.5x
Beta0.31
Balance sheet & cash
Market capUS$110M
Total debtUS$52.7M
Free Cash FlowUS$16.9M
Profitability & ownership
ROE16.7%
ROA1.7%
% insiders18.0%
% institutions18.8%
Last declaration on 4 February 2026
Declarations22 total
39,304 shares@ US$4.7399.1% of flowCommon StockSEC:0001493152-26-005026:0
531,178 shares0Common StockSEC:0001493152-26-004356:0
7,600 shares@ US$4.0986.6% of flowCommon StockSEC:0001493152-25-026561:0
264 shares@ US$4.530.6% of flowCommon StockSEC:0001641172-25-014820:2
Canonical exit: 9 Sept 2025 (T+90)
300 shares@ US$4.550.7% of flowCommon StockSEC:0001641172-25-014820:1
Canonical exit: 8 Sept 2025 (T+90)
700 shares@ US$4.5323.4% of flowCommon StockSEC:0001641172-25-014820:0
Canonical exit: 7 Sept 2025 (T+90)
1,000 shares@ US$4.4813.4% of flowCommon StockSEC:0001493152-24-042175:0
4,500 shares@ US$3.165.6% of flowCommon StockSEC:0001493152-24-002862:1
44 shares@ US$3.200.1% of flowCommon StockSEC:0001493152-24-002862:2
12,861 shares@ US$3.2016.3% of flowCommon StockSEC:0001493152-24-002862:3
8,545 shares@ US$3.2210.9% of flowCommon StockSEC:0001493152-24-002862:4
500 shares@ US$3.050.9% of flowCommon StockSEC:0001493152-24-002862:0
3,700 shares@ US$3.306.2% of flowCommon StockSEC:0001493152-23-023937:1
Canonical exit: 10 Jul 2023 (T+90)
104 shares@ US$3.280.2% of flowCommon StockSEC:0001493152-23-023937:2
Canonical exit: 16 Jul 2023 (T+90)
1,514 shares@ US$3.002.3% of flowCommon StockSEC:0001493152-23-023937:3
Canonical exit: 1 Oct 2023 (T+90)
3,000 shares@ US$3.3176.6% of flowCommon StockSEC:0001493152-23-023937:0
Canonical exit: 10 Jul 2023 (T+90)
282,377 sharesCommon StockSEC:0001493152-21-017854:0
Canonical exit: 21 Oct 2021 (T+90)
282,377 sharesCommon StockSEC:0001654954-21-003799:0
Canonical exit: 29 Jun 2021 (T+90)
6,400 shares@ US$3.0971.9% of flowCommon StockSEC:0001654954-20-013773:0
Canonical exit: 17 Mar 2021 (T+90)
2,500 shares@ US$3.1028.1% of flowCommon stockSEC:0001654954-20-013773:1
Canonical exit: 18 Mar 2021 (T+90)
60,000 shares@ US$3.0092.7% of flowCommon StockSEC:0001493152-20-023262:0
243 shares@ US$3.002.9% of flowcommon stockSEC:0001654954-19-010737:0
Canonical exit: 10 Dec 2019 (T+90)
22 of 22 declarations
About OptimumBank Holdings, Inc.
OptimumBank Holdings, Inc. is a U.S.-based bank holding company listed on NYSE American under the ticker OPHC, in the United States. The group serves as the parent company of OptimumBank and, more recently, OptimumFunding, a subsidiary formed in 2025 to support a new HUD and FHA lending initiative. The company is headquartered in Fort Lauderdale, Florida, at 2929 East Commercial Boulevard, and its operating footprint remains primarily concentrated in South Florida, with offices in Fort Lauderdale, Deerfield Beach, and North Miami Beach. OptimumBank itself was founded in 2000, while OptimumBank Holdings was formed in 2004 to act as the bank holding company for the operating bank.
The business model is that of a community-focused commercial bank serving individuals, small businesses, and local commercial customers. Core business lines include demand deposits, interest-bearing checking, savings, money market accounts, certificates of deposit, and lending products spanning residential real estate, commercial real estate, commercial and consumer loans, plus working-capital lines of credit. The bank also provides standard transaction and convenience services such as debit and ATM cards, cash management, online banking, direct deposit, money orders, cashier’s checks, and other routine banking services. This product set is consistent with a relationship-driven local bank rather than a large-scale national platform.
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From a competitive standpoint, OptimumBank is positioned as a niche regional/community bank competing against much larger money-center banks and better-capitalized regional peers. Its smaller scale limits pricing power and diversification, but it can support faster decision-making and a more personalized client experience. The franchise emphasizes service, reasonable fees, and local market knowledge in Florida. That geographic focus is important: South Florida remains a dense and competitive banking market, but it also offers attractive demographic and real-estate-related growth opportunities.
Recent company updates show a strategic push to broaden the platform. In February 2026, OptimumBank Holdings announced the formation of OptimumFunding to launch a HUD and FHA lending platform, which could expand the company’s mortgage-oriented origination capabilities. The company also completed and filed its 2025 annual report in February 2026, confirming its listing on NYSE American and providing the latest view of its operating footprint and capital actions. Earlier SEC filings show the company used an at-the-market equity program to support bank capital, underscoring management’s focus on regulatory capital strength and balance sheet flexibility. Recent SEC Form 4 filings also indicate ongoing insider transaction activity in OPHC, which may be of interest to investors monitoring governance and alignment signals.
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