OPHC Earnings

OptimumBank Holdings, Inc. Financial Performance for the Second Quarter of 2025

Published August 07, 2025 at 12:00 PM

Fort Lauderdale, FL, Aug. 07, 2025 (GLOBE NEWSWIRE) -- OptimumBank Holdings, Inc. (NYSE American: OPHC) (the “Company”) is a one-bank holding company and owns 100% of OptimumBank (the “Bank”). The Company is pleased to announce net earnings of $3.60 million, or $0.31 per basic share, and $0.29 per diluted share, for the second quarter of 2025. This compares to net income of $3.87 million, or $0.33 per basic share, and $0.32 per diluted share, for the first quarter of 2025, and $3.50 million net earnings, or $0.36 per basic share, and $0.34 per diluted share, for the comparable quarter last year. For the six months ended June 30, 2025, net earnings was $7.47 million, or $0.64 per basic share, and $0.61 per diluted share, compared to net earnings of $5.87 million, or $0.68 per basic share, and $0.66 per diluted share, for the six months ended June 30, 2024. The increase of $1.6 million in earnings for the six-month ended June 30, 2025, compared to the same period in 2024, was primarily

Related Questions

Is there any change to the dividend policy or payout ratio in light of the recent earnings results? What is management’s outlook or guidance for Q3 and full‑year 2025 earnings and revenue? How does the reported EPS compare to analysts' consensus estimates for Q2 2025? How does the bank’s loan growth, deposit growth, and loan‑to‑deposit ratio look for the quarter and the six‑month period? What is the trend in non‑performing loans and charge‑offs compared to the prior quarter and year‑ago periods? What changes, if any, were made to loan loss provisions and how did they affect net earnings? What are the underlying drivers behind the $1.6 million increase in six‑month earnings compared to 2024? How did net interest income and net interest margin perform in the quarter and what impact did they have on earnings? How might the recent earnings results impact the stock’s valuation multiples (P/E, P/B) and investor sentiment? What are the potential impacts of current interest‑rate environment and Federal Reserve policy on the bank’s net interest margin going forward? How does OPHC’s earnings growth and profitability metrics compare to peer regional banks and other NYSE American listed bank stocks?