OptimumBank (OPHC) Q4 2025 earnings summary

Executive summary

• Achieved record annual net income of $16.65 million and Q4 net income of $4.85 million, the highest in company history.

• Total assets surpassed $1.11 billion at year-end 2025, with gross loans at $958.79 million.

• Celebrated 25th anniversary with NYSE opening bell and client appreciation events, highlighting franchise longevity.

• Launched a new subsidiary for bridge to HUD/FHA financing, expanding lending capabilities for 2026.

• Institutional investor AllianceBernstein and board members increased economic ownership and liquidity through equity conversions.

Financial highlights

• Full-year net income reached $16.65 million, up $3.52 million or nearly 27% year-over-year.

• Q4 net interest income was $11.87 million, up $0.82 million sequentially and $2.64 million year-over-year.

• Net interest margin for Q4 was 4.39%, up from 4.37% in Q3 and 3.87% in Q4 2024.

• Non-interest income for Q4 was $1.73 million, with full-year non-interest income at $6.77 million, up 46.5% year-over-year.

• Total deposits at year-end were $931.75 million, up 20.66% year-over-year.

Outlook and guidance

• Quarterly diluted EPS guidance of $0.18–$0.21, with expectations to maintain or exceed this range.

• Loan portfolio expected to grow at 25% or higher annually, with stable margins and funding costs.

• Infrastructure and staffing in place to support growth up to $3 billion in assets without significant cost increases.

• New subsidiary set to offer bridge-to-HUD and FHA/HUD-insured loan origination in 2026.

• Continued investment in technology, talent, and targeted growth strategies to reinforce market position.