Optimumbank Holdings Inc
OPHCFinancial·Banks - Regional·USA·Micro·AMEX·Nov 11 • 12:28 PM ET
8.930.00 (0.00%)
2026-11-11 18:28 CET
Market cap
215.04 USD m
Revenue, TTM
- USD m
Net income, TTM
20.49 USD m
Free cash flow, TTM
25.47 USD m
EPS diluted, TTM
0.87
P/E
10.23
Price
OPHC against its 20, 50 and 200-day averages2050200beatearnings
16.4% under the 52-week high of 10.68 on 17 Aug 2026. 52-week low 4.00 on 11 Nov 2025. Last 15 sessions, 12.1% high to low
Profile
OPHC52-week range, 74% of the way up
4.0010.68
OptimumBank Holdings, Inc. engages in offering a variety of community banking services to individual and corporate customers through its subsidiary, OptimumBank. Its services include savings, deposits, checking, cash management services, business checking, online banking, and ATM networks. The company was founded on March 23, 2004 and is headquartered in Fort Lauderdale, FL.
| Employees | 98 |
|---|---|
| IPO | May 08, 2003 |
| Beta | 0.28 |
| ATR, 14d | 0.40 |
| Rel volume | 0.21 |
| Short float | 0.95% |
| Insider own | 57.01% |
| Inst own | 9.78% |
Snapshot
6 groupsValuation
| Index | - |
|---|---|
| Market Cap | 112.72M |
| Enterprise Value | - |
| Income | 20.49M |
| Sales | 82.87M |
| Book/sh | 5.65 |
| Cash/sh | - |
| Dividend Est. | - |
| Dividend TTM | - |
| Dividend Ex-Date | - |
| Dividend Gr. 3/5Y | - - |
| Payout | 0.00% |
| Employees | 98 |
| IPO | May 08, 2003 |
Ratios
| P/E | 10.23 |
|---|---|
| Forward P/E | 6.83 |
| PEG | 0.29 |
| P/S | 1.36 |
| P/B | 1.58 |
| P/C | - |
| P/FCF | 4.43 |
| EV/EBITDA | - |
| EV/Sales | - |
| Quick Ratio | - |
| Current Ratio | 0.44 |
| Debt/Eq | 0.31 |
| LT Debt/Eq | 0.12 |
| Option/Short | No / Yes |
Earnings
| EPS (ttm) | 0.87 |
|---|---|
| EPS next Y | 1.31 |
| EPS next Q | 0.31 |
| EPS this Y | 63.85% |
| EPS next Y | 12.32% |
| EPS next 5Y | 23.89% |
| EPS past 3/5Y | 1.71% - |
| Sales past 3/5Y | 46.03% 58.98% |
| EPS Y/Y TTM | 20.16% |
| Sales Y/Y TTM | 24.01% |
| EPS Q/Q | -4.26% |
| Sales Q/Q | 38.96% |
| Earnings | Nov 13 BMO |
| EPS/Sales Surpr. | 35.46% - |
Ownership
| Insider Own | 57.01% |
|---|---|
| Insider Trans | 0.00% |
| Inst Own | 9.78% |
| Inst Trans | 6.65% |
| ROA | 1.71% |
| ROE | 16.68% |
| ROIC | 13.58% |
| Gross Margin | - |
| Oper. Margin | 32.77% |
| Profit Margin | 24.73% |
| SMA20 | 0.21% |
| SMA50 | -0.23% |
| SMA200 | 31.55% |
| Trades | - |
Technical
| Shs Outstand | 12.34M |
|---|---|
| Shs Float | 10.35M |
| Short Float | 0.95% |
| Short Ratio | 1.04 |
| Short Interest | 0.10M |
| 52W High | 10.68 -16.39% |
| 52W Low | 4.00 123.25% |
| Volatility | 4.75% 4.41% |
| ATR (14) | 0.40 |
| RSI (14) | 50.12 |
| Beta | 0.28 |
| Rel Volume | 0.21 |
| Avg Volume | 94.99K |
| Volume | 9,794 |
Performance
| Perf Week | -0.22% |
|---|---|
| Perf Month | 1.59% |
| Perf Quarter | -2.72% |
| Perf Half Y | 63.25% |
| Perf YTD | 110.12% |
| Perf Year | 118.87% |
| Perf 3Y | 176.47% |
| Perf 5Y | 67.86% |
| Perf 10Y | 153.69% |
| Recom | 1.00 |
| Target Price | 10.92 |
| Prev Close | 8.93 |
| Price | 8.93 |
| Change % | 0.00% |
Analyst ratings
latest 4 of 4| Date | Action | Analyst | Rating change | Target | Implied |
|---|---|---|---|---|---|
| May 13, 2026 | Upgrade | CCompass Point | Neutral → Buy | $6.50 | -27.2% |
| Apr 20, 2026 | Initiated | BBrean Capital | Buy | $7 | -21.6% |
| Apr 07, 2026 | Initiated | AAlliance Global Partners | Buy | $6.50 | -27.2% |
| May 23, 2024 | Initiated | CCompass Point | Neutral | $5.25 | -41.2% |
Peers
Mkt cap| Ticker | Company | Mkt cap |
|---|---|---|
| BAFN | BayFirst Financial Corp | 188.91M |
| USCB | USCB Financial Holdings Inc | 367.17M |
| AMTB | Amerant Bancorp Inc | 1.18B |
| CCBG | Capital City Bank Group Inc | 873.91M |
| BYFC | Broadway Financial Corp | 108.56M |
| FUSB | First US Bancshares Inc | 83.90M |
| AUBN | Auburn National Bancorp Inc | 91.62M |
| PNBK | Patriot National Bancorp Inc | 104.99M |
| SBCF | Seacoast Banking Corp Of Florida | 3.25B |
| UNB | Union Bankshares Inc | 111.95M |
Insider trading
3 filings| Insider | Relationship | Date | Transaction | Cost | Shares | Value | Total held | Form |
|---|---|---|---|---|---|---|---|---|
| Terry Timothy | PEO | Feb 02 '26 | Sale | 4.73 | 39,304 | 185,908 | 0 | Feb 04 08:16 AM |
| Terry Timothy | Officer | Jan 05 '26 | Proposed Sale | 4.24 | 39,304 | 166,648 | Jan 05 12:37 PM | |
| Blisko Michael | Director | Dec 04 '25 | Sale | 4.09 | 7,600 | 31,084 | 604,645 | Dec 08 11:07 AM |
Held by
AUM| Ticker | Company | AUM |
|---|---|---|
| VTI | Vanguard Morningstar Total Stock Market ETF | AUM: 687.42B |
| VXF | Vanguard Extended Market Index ETF | AUM: 30.47B |
| DFAT | U.S. Targeted Value Portfolio-ETF Class Shares | - |
| IWC | iShares Micro-Cap ETF | AUM: 1.22B |
| BUSM | EA Bridgeway Ultra-Small Company Market ETF | AUM: 111.21M |
| BSVO | EA Bridgeway Omni Small-Cap Value ETF | AUM: 2.44B |
| DFAC | U.S. Core Equity 2 Portfolio-ETF Class Shares | - |
| DCOR | US Core Equity 1 Portfolio ETF Class Shares | - |
| DXUV | US Vector Equity Portfolio ETF Class Shares | - |
| DFMC | U.S. Micro Cap Portfolio ETF Class Shares | - |
News
latest 14 of 206- OptimumBank's 46% Rally Meets A Revenue Reset As Profit Durability Faces A Test (Earnings Whispers)
- OptimumBank Holdings, Inc., to Announce Third Quarter 2026 Results and Host Earnings Webcast on November 13, 2026 (Newsfile Corp.)
- OptimumBank Holdings Inc (OPHC) (Q2 2026) Earnings Call Highlights: Record Net Income and ... (GuruFocus.com) +6.86%
- OptimumBank Holdings, Inc., Announced Second Quarter 2026 Results and Will Host Earnings Webcast on August 13, 2026 (Newsfile Corp.)
- OptimumBank Holdings, Inc. Financial Performance for the Second Quarter of 2026 (GlobeNewswire) +5.35%
- Loading…
- OptimumBank Holdings, Inc. Named Among Nation's Top Community Banks in Raymond James Community Bankers Cup (Newsfile Corp.)
- OptimumBank Holdings, Inc. to Present at Planet MicroCap Las Vegas Powered by MicroCapClub (Newsfile Corp.)
- OptimumBank Holdings, Inc. Announces Executive Leadership Transition; Chairman Moishe Gubin Appointed CEO (Newsfile Corp.)
- OptimumBank Holdings, Inc. Reports Best Year in Company History; To Present Shareholder Deck Highlighting 21%+ Core ROAE at April 28, 2026 Annual Meeting (Newsfile Corp.)
- OptimumBank Holdings, Inc. Financial Performance for the First Quarter of 2026 (GlobeNewswire)
- OptimumBank Holdings, Inc. Announces Initiation of Coverage by Brean Capital (Newsfile Corp.)
- OptimumBank Holdings, Inc. Announces Initiation of Coverage by Alliance Global Partners (Newsfile Corp.)
- OptimumBank Holdings, Inc. To Hold Annual Shareholder Meeting and Investor Day, Tuesday, April 28, 2026 at its Headquarters in Ft. Lauderdale, Florida (Newsfile Corp.)
Quarterly earnings
actual against estimate| Period | Reported | EPS act | EPS est | EPS rep | Sales act | Sales est | Analysts |
|---|---|---|---|---|---|---|---|
| 2026Q3 | 2026-11-13 | - | 0.310 | - | - | - | 3 |
| 2026Q2 | 2026-07-24 | 0.280 | 0.207 | 0.280 | 17.18 | - | 3 |
| 2026Q1 | 2026-04-24 | 0.200 | 0.193 | 0.198 | 14.97 | - | 3 |
| 2025Q4 | 2026-02-02 | 0.210 | 0.200 | 0.210 | 13.60 | - | 1 |
| 2025Q3 | 2025-11-12 | 0.180 | 0.150 | 0.185 | 13.03 | - | 1 |
| 2025Q2 | 2025-08-07 | 0.290 | 0.150 | 0.293 | 12.08 | - | 1 |
| 2025Q1 | 2025-05-13 | 0.320 | 0.170 | 0.316 | 10.66 | - | 1 |
| 2024Q4 | 2025-02-05 | 0.180 | 0.170 | 0.340 | 10.08 | - | 1 |
| 2024Q3 | 2024-11-08 | 0.320 | 0.160 | 0.321 | 10.08 | - | 1 |
| 2024Q2 | 2024-08-06 | 0.340 | 0.150 | 0.344 | 9.94 | - | 1 |
| 2024Q1 | 2024-04-26 | 0.120 | - | 0.311 | - | - | - |
| 2026Q4 | - | - | 0.313 | - | - | - | 3 |
| 2027Q1 | - | - | 0.310 | - | - | - | 3 |
| 2027Q2 | - | - | 0.323 | - | - | - | 3 |
| 2027Q3 | - | - | 0.333 | - | - | - | 3 |
| 2027Q4 | - | - | 0.343 | - | - | - | 3 |
Annual earnings
| Period | EPS act | EPS est | EPS rep | Sales act | Sales est |
|---|---|---|---|---|---|
| 2024FY | 1.330 | 0.600 | 1.333 | 39.31 | - |
| 2025FY | 0.710 | 0.700 | 0.710 | 49.36 | - |
| 2026FY | - | 1.163 | - | - | - |
| 2027FY | - | 1.307 | - | - | - |
| 2028FY | - | 1.350 | - | - | - |
Estimate revisions
last 14 periods| Period | Type | Date | Estimates | Up | Down | Mean | Low | High |
|---|---|---|---|---|---|---|---|---|
| 2026Q3 | R | 2026-10-27 | 2 | 0 | 0 | 0.27 | 0.25 | 0.28 |
| 2026Q3 | R | 2026-10-07 | 2 | 1 | 0 | 0.27 | 0.25 | 0.28 |
| 2026Q3 | R | 2026-08-13 | 2 | 2 | 0 | 0.27 | 0.25 | 0.28 |
| 2026Q3 | R | 2026-08-07 | 1 | 1 | 0 | 0.25 | 0.25 | 0.25 |
| 2026Q3 | R | 2026-07-24 | 2 | 1 | 0 | 0.23 | 0.21 | 0.25 |
| 2026Q3 | R | 2026-07-13 | 2 | 0 | 0 | 0.22 | 0.21 | 0.22 |
| 2026Q3 | R | 2026-04-29 | 2 | 1 | 0 | 0.22 | 0.21 | 0.22 |
| 2026Q3 | R | 2026-04-24 | 2 | 0 | 0 | 0.21 | 0.19 | 0.22 |
| 2026Q3 | R | 2026-04-17 | 2 | 0 | 0 | 0.21 | 0.19 | 0.22 |
| 2026Q3 | R | 2026-04-02 | 1 | 0 | 0 | 0.19 | 0.19 | 0.19 |
| 2026Q3 | E | 2026-10-27 | 3 | 0 | 0 | 0.31 | 0.25 | 0.40 |
| 2026Q3 | E | 2026-10-07 | 3 | 2 | 0 | 0.31 | 0.25 | 0.40 |
| 2026Q3 | E | 2026-08-13 | 3 | 3 | 0 | 0.31 | 0.25 | 0.40 |
| 2026Q3 | E | 2026-08-07 | 2 | 1 | 0 | 0.24 | 0.22 | 0.25 |
Estimate history
| EPS, annual | -0.533 | 0.533 | -0.578 | -0.267 | 1.615 | 0.676 | 0.868 | 1.333 | 0.711 | 0.8732 |
|---|---|---|---|---|---|---|---|---|---|---|
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
| EPS, quarterly | 0.344 | 0.321 | 0.34 | 0.316 | 0.293 | 0.185 | 0.21 | 0.198 | 0.281 | |
| Period | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | |
| Sales, annual | 4.768 | 4.376 | 5.356 | 7.004 | 11.823 | 22.842 | 39.232 | 64.252 | 71.128 | 82.87 |
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
| Sales, quarterly | 16.389 | 16.449 | 16.711 | 16.238 | 17.422 | 18.303 | 19.111 | 21.242 | 24.21 | |
| Period | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | |
| Shares, annual | 1.121 | 1.858 | 2.853 | 3.203 | 4.775 | 7.059 | 7.25 | 11.636 | 11.534 | 23.799 |
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | MRQ |
| Shares, quarterly | 9.677 | 10.007 | 11.636 | 11.751 | 11.751 | 11.884 | 11.534 | 12.167 | 23.799 | |
| Period | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 |
Income statement, annual
| Metric | TTM | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY |
|---|---|---|---|---|---|---|---|---|---|
| Interest Income | 74.94 | 64.35 | 59.63 | 35.78 | 19.88 | 10.39 | 6.71 | 5.17 | 4.29 |
| Total Interest Expense | 24.13 | 21.77 | 24.94 | 12.07 | 4.05 | 0.98 | 1.72 | 2.05 | 1.25 |
| Net Interest Income | 50.81 | 42.59 | 34.69 | 23.71 | 15.84 | 9.40 | 4.99 | 3.13 | 3.05 |
| Loan Loss Provision | 1.89 | 2.04 | 2.22 | 4.05 | 3.47 | 1.17 | 1.02 | -0.08 | -1.75 |
| Net Interest Income After Loan Loss Provision | 48.91 | 40.55 | 32.47 | 19.67 | 12.37 | 8.23 | 3.97 | 3.21 | 4.80 |
| Non-Interest Income | 7.93 | 6.77 | 4.62 | 3.45 | 2.96 | 1.43 | 0.29 | 0.18 | 0.08 |
| Non-Interest Expense | 29.69 | 25.15 | 19.46 | 14.29 | 9.94 | 6.94 | 5.05 | 4.33 | 4.09 |
| Operating Income | 27.16 | 22.17 | 17.63 | 8.83 | 5.39 | 2.73 | -0.78 | -0.94 | 0.80 |
| Unusual Expense | 0.00 | 0.00 | 0.00 | 0.38 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Income Before Taxes | 27.16 | 22.17 | 17.63 | 8.46 | 5.39 | 3.07 | -0.78 | -1.15 | 0.80 |
| Income Taxes | 6.66 | 5.52 | 4.51 | 2.17 | 1.37 | -3.23 | 0.00 | -0.05 | 0.00 |
| Consolidated Net Income | 20.49 | 16.65 | 13.12 | 6.28 | 4.02 | 6.30 | -0.78 | -1.10 | 0.80 |
| Net Income From Continuing Operations | 20.49 | 16.65 | 13.12 | 6.28 | 4.02 | 6.30 | -0.78 | -1.10 | 0.80 |
| Net Income | 20.49 | 16.65 | 13.12 | 6.28 | 4.02 | 6.30 | -0.78 | -1.10 | 0.80 |
| EPS (Recurring) | - | 0.71 | 1.33 | 0.90 | 0.68 | 1.61 | -0.27 | -0.58 | 0.53 |
| EPS (Basic, Before Extraordinaries) | 1.58 | 1.42 | 1.39 | 0.87 | 0.68 | 1.61 | -0.27 | -0.58 | 0.53 |
| EPS (Diluted) | 0.87 | 0.71 | 1.33 | 0.87 | 0.68 | 1.61 | -0.27 | -0.58 | 0.53 |
| Non-Operating Income (Expense) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.34 | 0.00 | -0.21 | 0.00 |
| Other After Tax Adjustments | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Stock Option Compensation Expense | - | 0.69 | 0.39 | 0.36 | 0.29 | 0.15 | 0.16 | 0.15 | 0.15 |
| Price To Earnings Ratio | 10.23 | 10.23 | 3.58 | 5.68 | 2.91 | 2.78 | - | - | 4.66 |
| Price To Sales Ratio | 1.67 | 1.40 | 0.73 | 0.77 | 1.07 | 1.30 | 1.41 | 0.98 | 1.02 |
| Operating Margin | 32.77 | 31.17 | 27.44 | 22.51 | 23.61 | 23.08 | -11.17 | -17.49 | 18.19 |
| Net Margin | 24.73 | 23.41 | 20.43 | 16.01 | 17.61 | 53.25 | -11.17 | -20.54 | 18.19 |
| Shares Outstanding | 23.80 | 11.53 | 11.64 | 7.25 | 7.06 | 4.78 | 3.20 | 2.85 | 1.86 |
| Market Capitalization | 215.04 | 215.04 | 48.03 | 30.32 | 27.68 | 18.59 | 9.95 | 5.34 | 5.44 |
Income statement, quarterly
| Metric | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 | 2025Q1 | 2024Q4 | 2024Q3 |
|---|---|---|---|---|---|---|---|---|
| Interest Income | 21.72 | 19.45 | 17.44 | 16.32 | 15.59 | 15.01 | 15.64 | 15.33 |
| Total Interest Expense | 7.03 | 6.26 | 5.57 | 5.27 | 5.35 | 5.58 | 6.41 | 6.37 |
| Net Interest Income | 14.70 | 13.19 | 11.87 | 11.05 | 10.24 | 9.43 | 9.24 | 8.96 |
| Loan Loss Provision | -0.04 | 0.77 | 0.40 | 0.76 | 1.04 | -0.17 | 0.61 | 0.36 |
| Net Interest Income After Loan Loss Provision | 14.73 | 12.42 | 11.47 | 10.29 | 9.20 | 9.59 | 8.62 | 8.61 |
| Non-Interest Income | 2.49 | 1.79 | 1.67 | 1.98 | 1.83 | 1.23 | 1.07 | 1.11 |
| Non-Interest Expense | 8.38 | 8.01 | 6.69 | 6.60 | 6.18 | 5.63 | 4.38 | 5.29 |
| Operating Income | 8.84 | 6.20 | 6.46 | 5.66 | 4.86 | 5.20 | 5.31 | 4.43 |
| Unusual Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Income Before Taxes | 8.84 | 6.20 | 6.46 | 5.66 | 4.86 | 5.20 | 5.31 | 4.43 |
| Income Taxes | 2.18 | 1.53 | 1.60 | 1.34 | 1.25 | 1.33 | 1.36 | 1.13 |
| Consolidated Net Income | 6.66 | 4.66 | 4.85 | 4.32 | 3.60 | 3.87 | 3.95 | 3.30 |
| Net Income From Continuing Operations | 6.66 | 4.66 | 4.85 | 4.32 | 3.60 | 3.87 | 3.95 | 3.30 |
| Net Income | 6.66 | 4.66 | 4.85 | 4.32 | 3.60 | 3.87 | 3.95 | 3.30 |
| EPS (Recurring) | 0.28 | 0.20 | - | 0.18 | 0.29 | 0.32 | 0.34 | 0.32 |
| EPS (Basic, Before Extraordinaries) | 0.40 | 0.39 | 0.42 | 0.37 | 0.31 | 0.33 | 0.34 | 0.34 |
| EPS (Diluted) | 0.28 | 0.20 | 0.21 | 0.18 | 0.29 | 0.32 | 0.34 | 0.32 |
| Non-Operating Income (Expense) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other After Tax Adjustments | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Stock Option Compensation Expense | 0.00 | 0.34 | - | 0.46 | 0.06 | 0.23 | - | 0.00 |
| Price To Earnings Ratio | 10.23 | 5.76 | 3.70 | 3.19 | 3.35 | 3.09 | 3.58 | 3.44 |
| Price To Sales Ratio | 1.67 | 1.58 | 1.38 | 1.40 | 0.82 | 0.76 | 0.86 | 0.79 |
| Operating Margin | 36.51 | 29.18 | 33.79 | 30.94 | 27.87 | 32.00 | 31.78 | 26.96 |
| Net Margin | 27.49 | 21.95 | 25.39 | 23.62 | 20.68 | 23.83 | 23.64 | 20.07 |
| Shares Outstanding | 23.80 | 12.17 | 11.53 | 11.88 | 11.75 | 11.75 | 11.64 | 10.01 |
| Market Capitalization | 215.04 | 62.05 | 49.02 | 48.18 | 52.53 | 48.30 | 48.03 | 44.23 |
Balance sheet, annual
| Metric | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY | 2017FY |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Due from Banks | 9.35 | 13.98 | 14.01 | 19.79 | 13.68 | 25.52 | 2.11 | 1.93 | 1.22 |
| Investments | 133.64 | 105.63 | 90.72 | 78.29 | 81.52 | 52.49 | 18.68 | 16.68 | 22.86 |
| Net Loans | 947.29 | 794.99 | 671.09 | 477.22 | 247.90 | 152.47 | 102.23 | 77.20 | 68.22 |
| Investment in Unconsolidated Affiliates | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Customer Liability on Acceptances | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Real Estate Assets | 0.55 | - | - | - | - | - | - | - | - |
| Net Property, Plant & Equipment | 5.11 | 4.74 | 3.54 | 3.05 | 2.58 | 2.32 | 2.44 | 2.67 | 2.59 |
| Interest Receivables | 3.62 | 3.35 | 2.47 | 1.44 | 0.97 | 1.34 | 0.43 | 0.31 | 0.32 |
| Deferred Tax Assets | 3.11 | 3.00 | 4.09 | 4.90 | 4.10 | 0.03 | - | - | - |
| Other Intangible Assets | 9.01 | 7.25 | 6.51 | 1.59 | 1.79 | 0.98 | 0.85 | 0.66 | 0.66 |
| Total Assets | 1,111.68 | 932.93 | 792.44 | 586.28 | 352.54 | 235.11 | 126.75 | 99.45 | 95.87 |
| Total Deposits | 931.75 | 772.20 | 639.58 | 507.90 | 292.46 | 190.76 | 101.37 | 62.38 | 65.25 |
| Total Debt | 52.74 | 52.77 | 77.85 | 12.28 | 19.77 | 25.99 | 16.64 | 29.62 | 25.66 |
| Long Term Debt | 2.75 | 2.34 | 11.93 | 11.91 | 19.52 | 20.83 | 16.48 | 9.46 | 10.15 |
| Provision for Risks Charges | 0.27 | 0.15 | 0.31 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Deferred Tax Liabilities | - | - | 1.19 | 1.06 | 0.66 | - | - | - | - |
| Other Liabilities | 5.02 | 4.63 | 3.51 | 2.46 | 1.00 | 0.39 | 1.32 | 1.87 | 2.42 |
| Total Liabilities | 989.78 | 829.75 | 722.43 | 523.70 | 313.88 | 217.14 | 119.33 | 93.87 | 93.32 |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Common Equity | 121.90 | 103.18 | 70.01 | 62.58 | 38.51 | 17.83 | 7.21 | 5.31 | 2.54 |
| Total Shareholders Equity | 121.90 | 103.18 | 70.01 | 62.58 | 38.51 | 17.83 | 7.21 | 5.31 | 2.54 |
| Accumulated Minority Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Equity | 121.90 | 103.18 | 70.01 | 62.58 | 38.51 | 17.83 | 7.21 | 5.31 | 2.54 |
| Total Liabilities & Stockholders Equity | 1,111.68 | 932.93 | 792.44 | 586.28 | 352.39 | 234.97 | 126.54 | 99.18 | 95.87 |
| Book Value Per Share | 10.57 | 8.87 | 9.66 | 8.87 | 8.06 | 5.57 | 2.53 | 2.86 | 2.27 |
| Tangible Book Value Per Share | 10.57 | 8.87 | 9.66 | 8.87 | 8.06 | 5.57 | 2.53 | 2.86 | 2.27 |
| Tier 1 Capital | - | - | - | - | - | - | 10.93 | 11.18 | 9.58 |
| Tier 2 Capital | - | - | - | - | - | - | 1.28 | 0.97 | 0.91 |
| Full-Time Employees | 98 | 73 | 60 | 48 | 38 | 27 | 19 | 19 | 16 |
| Price to Book Ratio | 1.58 | 0.51 | 0.46 | 0.54 | 0.49 | 0.61 | 1.10 | 1.05 | 1.97 |
| Return on Assets | 1.63 | 1.52 | 0.91 | 0.86 | 2.14 | -0.43 | -0.97 | 0.82 | -0.61 |
| Return on Equity | 14.79 | 15.16 | 9.48 | 7.96 | 22.35 | -6.25 | -17.58 | 20.28 | -23.14 |
| Return on Invested Capital | 13.36 | 12.44 | 7.67 | 5.40 | 10.85 | -2.02 | -4.64 | 5.39 | -4.64 |
| Current Ratio | 0.12 | 0.18 | 0.14 | 0.19 | 0.48 | 0.29 | 0.09 | 0.14 | 0.24 |
Cash flow, annual
| Metric | TTM | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY |
|---|---|---|---|---|---|---|---|---|---|
| Funds from Operations | 23.97 | 19.87 | 16.39 | 12.20 | 8.16 | 6.86 | 0.75 | -0.30 | -0.56 |
| Extraordinary Item | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | 2.74 | -2.03 | -0.78 | -5.32 | 2.20 | -3.10 | -2.21 | -0.26 | 0.59 |
| Cash from Operating Activities | 26.70 | 17.84 | 15.61 | 6.88 | 10.36 | 3.76 | -1.46 | -0.56 | 0.02 |
| Capital Expenditures | -1.23 | -0.90 | -0.99 | -0.67 | -0.32 | -0.38 | -0.20 | -0.51 | -0.23 |
| Net Assets From Acquisitions | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Fixed Assets and Businesses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 1.08 | 0.00 | 0.35 | 0.00 |
| Purchase or Sale of Investments | -2.85 | -1.05 | 1.30 | 1.61 | 2.64 | -14.19 | -10.35 | -1.67 | 1.72 |
| Purchase of Investments | -4.69 | -2.35 | 0.00 | 0.00 | 0.00 | -19.51 | -15.72 | -4.16 | 0.00 |
| Sale Or Maturity of Investments | 1.84 | 1.30 | 1.30 | 1.61 | 2.64 | 5.32 | 5.37 | 2.48 | 1.72 |
| Other Uses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Sources | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from Investing Activities | -437.33 | -156.68 | -125.47 | -199.66 | -229.80 | -108.76 | -62.77 | -25.32 | -6.02 |
| Cash Dividends Paid | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Change in Capital Stock | 0.93 | 0.22 | 19.82 | 0.32 | 24.87 | 12.64 | 10.54 | 0.00 | 0.53 |
| Repurchase of Common Pref Stock | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Common Pref Stock | 0.93 | 0.22 | 19.82 | 0.32 | 24.87 | 12.64 | 10.54 | 0.00 | 0.53 |
| Proceedsfrom Stock Options | 0.93 | 0.22 | 19.82 | 0.32 | 24.87 | 12.64 | 10.54 | 0.00 | 0.53 |
| Issuance or Reduction of Debt, Net | -25.00 | 0.00 | -25.60 | 65.60 | -8.00 | -5.00 | 10.00 | -12.16 | 4.66 |
| Change in Long Term Debt | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Issuance of Long Term Debt | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Reduction of Long Term Debt | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Financing Active Other Cash Flow | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Financing Activities Uses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from Financing Activities | 375.11 | 159.77 | 126.83 | 197.61 | 232.31 | 109.34 | 109.93 | 26.83 | 2.31 |
| Net Change in Cash | -35.52 | 20.93 | 16.97 | 4.83 | 12.87 | 4.34 | 45.70 | 0.95 | -3.68 |
| Free Cash Flow | 25.47 | 16.95 | 14.62 | 6.21 | 10.04 | 3.38 | -1.66 | -1.07 | -0.21 |
| Preferred Dividends (Cash Flow) | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Price to Free Cash Flow | 5.43 | 5.87 | 3.21 | 4.87 | 2.43 | 4.53 | - | - | - |
| Federal Home Loan Advances Increase (Decrease) | - | -0.10 | 0.42 | -2.75 | 0.19 | 0.30 | -0.45 | 0.49 | -0.15 |
Balance sheet, quarterly
| Metric | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 | 2025Q1 |
|---|---|---|---|---|---|---|
| Cash & Due from Banks | 14.64 | 15.07 | 9.35 | 9.27 | 8.83 | 13.54 |
| Investments | 160.42 | 154.88 | 133.64 | 249.65 | 196.22 | 154.35 |
| Net Loans | 1,204.38 | 1,078.53 | 947.29 | 802.81 | 774.55 | 791.23 |
| Investment in Unconsolidated Affiliates | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Property, Plant & Equipment | 5.54 | 5.31 | 5.11 | 5.03 | 4.98 | 4.90 |
| Interest Receivables | 4.86 | 3.99 | 3.62 | 3.17 | 3.14 | 3.29 |
| Deferred Tax Assets | 3.14 | 3.12 | 3.11 | 3.24 | 3.13 | 2.78 |
| Other Intangible Assets | 7.96 | 7.83 | 9.01 | 9.87 | 8.28 | 7.38 |
| Total Assets | 1,400.94 | 1,268.73 | 1,111.68 | 1,083.04 | 999.13 | 977.47 |
| Total Deposits | 1,214.05 | 1,092.88 | 931.75 | 959.49 | 878.87 | 852.93 |
| Total Debt | 41.55 | 42.65 | 52.74 | 2.85 | 2.66 | 12.75 |
| Long Term Debt | 16.55 | 2.65 | 2.75 | 2.85 | 2.66 | 12.75 |
| Provision for Risks Charges | 0.00 | 0.00 | 0.27 | 0.00 | 0.00 | 0.00 |
| Other Liabilities | 10.96 | 6.36 | 5.02 | 3.82 | 6.25 | 3.79 |
| Total Liabilities | 1,266.56 | 1,141.89 | 989.78 | 966.15 | 887.78 | 869.47 |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Common Equity | 134.38 | 126.85 | 121.90 | 116.89 | 111.35 | 108.00 |
| Total Shareholders Equity | 134.38 | 126.85 | 121.90 | 116.89 | 111.35 | 108.00 |
| Accumulated Minority Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Equity | 134.38 | 126.85 | 121.90 | 116.89 | 111.35 | 108.00 |
| Total Liabilities & Stockholders Equity | 1,400.94 | 1,268.73 | 1,111.68 | 1,083.04 | 999.13 | 977.47 |
| Book Value Per Share | 5.65 | 10.43 | 10.57 | 9.84 | 9.48 | 9.19 |
| Tangible Book Value Per Share | 5.65 | 10.43 | 10.57 | 9.84 | 9.48 | 9.19 |
| Full-Time Employees | - | - | 98 | - | - | - |
| Price to Book Ratio | 1.58 | 0.49 | 0.43 | 0.43 | 0.49 | 0.46 |
| Return on Assets | 1.71 | 1.55 | 1.63 | 1.55 | 1.55 | 1.52 |
| Return on Equity | 16.68 | 14.85 | 14.79 | 15.03 | 14.85 | 15.30 |
| Return on Invested Capital | 4.41 | 3.60 | 3.89 | 3.61 | 3.16 | 3.20 |
| Current Ratio | 0.44 | 0.42 | 0.12 | 0.76 | 0.71 | 0.62 |
Cash flow, quarterly
| Metric | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 | 2025Q1 |
|---|---|---|---|---|---|---|
| Funds from Operations | 6.76 | 6.07 | 5.55 | 5.58 | 4.52 | 4.21 |
| Extraordinary Item | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | 3.52 | 1.80 | 1.08 | -3.67 | 1.64 | -1.08 |
| Cash from Operating Activities | 10.28 | 7.87 | 6.63 | 1.92 | 6.16 | 3.13 |
| Capital Expenditures | -0.48 | -0.44 | -0.31 | -0.01 | -0.30 | -0.28 |
| Net Assets From Acquisitions | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Fixed Assets and Businesses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Purchase or Sale of Investments | 0.28 | -1.50 | -1.96 | 0.33 | 0.31 | 0.27 |
| Purchase of Investments | 0.00 | -2.34 | -2.35 | 0.00 | 0.00 | 0.00 |
| Sale Or Maturity of Investments | 0.28 | 0.84 | 0.39 | 0.33 | 0.31 | 0.27 |
| Other Uses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Sources | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from Investing Activities | -125.18 | -133.54 | -149.42 | -29.19 | 16.21 | 5.72 |
| Cash Dividends Paid | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Preferred Dividends (Cash Flow) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Change in Capital Stock | 0.96 | -0.01 | 0.00 | -0.01 | -0.01 | 0.24 |
| Repurchase of Common Pref Stock | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Common Pref Stock | 0.96 | -0.01 | 0.00 | -0.01 | -0.01 | 0.24 |
| Proceedsfrom Stock Options | 0.96 | -0.01 | 0.00 | -0.01 | -0.01 | 0.24 |
| Issuance or Reduction of Debt, Net | -1.00 | -10.00 | 50.00 | 0.00 | -10.00 | -40.00 |
| Change in Long Term Debt | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Issuance of Long Term Debt | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Reduction of Long Term Debt | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Financing Active Other Cash Flow | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Financing Activities Uses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from Financing Activities | 121.12 | 151.12 | 22.26 | 80.61 | 15.93 | 40.98 |
| Net Change in Cash | 6.22 | 25.46 | -120.53 | 53.33 | 38.30 | 49.83 |
| Free Cash Flow | 9.81 | 7.43 | 6.33 | 1.91 | 5.86 | 2.85 |
| Price to Free Cash Flow | 5.43 | 5.59 | 5.80 | 5.87 | 3.00 | 3.31 |
Revenue breakdown
| National Commercial Banks | 2024: 39.31M 2025: 49.36M |
|---|---|
| United States | 2024: 39.31M 2025: 49.36M |
Short interest
shares short against float, oldest to newest| Settlement | Of float | Shares short | Float | Avg volume |
|---|---|---|---|---|
| 2026-10-30 | 0.95% | 0.1M | 10.4M | 115.54K |
| 2026-10-15 | 0.95% | 0.1M | 10.4M | 126.17K |
| 2026-09-30 | 1.00% | 0.1M | 10.4M | 119.40K |
| 2026-09-15 | 1.03% | 0.1M | 10.4M | 113.42K |
| 2026-08-31 | 0.40% | 0.0M | 10.4M | 102.23K |
| 2026-08-14 | 0.25% | 0.0M | 10.3M | 78.28K |
| 2026-07-31 | 0.18% | 0.0M | 10.0M | 49.33K |
| 2026-07-15 | 0.14% | 0.0M | 10.0M | 35.38K |
| 2026-06-30 | 0.07% | 0.0M | 10.0M | 36.24K |
| 2026-06-15 | 0.10% | 0.0M | 10.0M | 31.39K |
| 2026-05-29 | 0.04% | 0.0M | 10.0M | 32.08K |
| 2026-05-15 | 0.09% | 0.0M | 10.0M | 33.52K |
| 2026-04-30 | 0.08% | 0.0M | 9.9M | 34.10K |
| 2026-04-15 | 0.07% | 0.0M | 9.9M | 27.31K |
| 2026-03-31 | 0.24% | 0.0M | 9.3M | 31.26K |
| 2026-03-13 | 0.22% | 0.0M | 9.3M | 31.74K |
| 2026-02-27 | 0.19% | 0.0M | 9.3M | 33.26K |
| 2026-02-13 | 0.23% | 0.0M | 8.8M | 32.95K |
| 2026-01-30 | 0.29% | 0.0M | 8.8M | 30.51K |
| 2026-01-15 | 0.18% | 0.0M | 9.3M | 36.20K |
Option chain
expiry 2026-11-11| Type | Strike | Bid | Ask | Last | IV | Open int | Volume | Delta | Theta | Vega |
|---|---|---|---|---|---|---|---|---|---|---|
| No option chain for this symbol. | ||||||||||
Latest SEC filings
30| Filed | Form | Description | Period | Link |
|---|---|---|---|---|
| 2026-09-21 | EFFECT | Effectiveness filing by commission order | SEC | |
| 2026-09-21 | 424B3 | SEC | ||
| 2026-09-11 | DEL AM | Separately filed delaying amendment under Securities Act Rule 473 to delay effectiveness of a 1933 Act registration statement | SEC | |
| 2026-09-10 | S-4 | Registration statement for securities to be issued in business combination transactions | SEC | |
| 2026-08-19 | 8-K | Current report | 2026-08-19 | SEC |
| 2026-08-14 | SCHEDULE 13G | SEC | ||
| 2026-08-13 | 8-K | Current report | 2026-08-13 | SEC |
| 2026-08-10 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-06-30 | SEC |
| 2026-07-24 | 8-K | Current report | 2026-07-24 | SEC |
| 2026-05-12 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-03-31 | SEC |
| 2026-05-05 | 8-K | Current report | 2026-05-01 | SEC |
| 2026-05-04 | 8-K | Current report | 2026-04-28 | SEC |
| 2026-04-24 | 8-K | Current report | 2026-04-24 | SEC |
| 2026-03-31 | DEFA14A | Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 | SEC | |
| 2026-03-26 | DEF 14A | Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 | 2026-03-26 | SEC |
| 2026-03-17 | PRE 14A | Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 | 2026-03-17 | SEC |
| 2026-02-26 | 10-K | Annual report pursuant to Section 13 or 15(d) | 2025-12-31 | SEC |
| 2026-02-23 | 8-K | Current report | 2026-02-23 | SEC |
| 2026-02-17 | SCHEDULE 13G/A | SEC | ||
| 2026-02-04 | 4 | Statement of changes in beneficial ownership of securities | 2026-02-02 | SEC |
| 2026-02-02 | 8-K | Current report | 2026-02-02 | SEC |
| 2026-01-30 | 8-K | Current report | 2026-01-27 | SEC |
| 2026-01-30 | 4 | Statement of changes in beneficial ownership of securities | 2026-01-27 | SEC |
| 2026-01-20 | 8-K | Current report | 2026-01-20 | SEC |
| 2026-01-05 | 144 | Filing for proposed sale of securities under Rule 144. | SEC | |
| 2025-12-09 | 4/A | 2025-12-04 | SEC | |
| 2025-12-08 | 4 | Statement of changes in beneficial ownership of securities | 2025-12-04 | SEC |
| 2025-11-14 | SCHEDULE 13G | SEC | ||
| 2025-11-12 | 8-K | Current report | 2025-11-12 | SEC |
| 2025-11-10 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2025-09-30 | SEC |
Insider activity by month
| Month | Bought | Buys | Sold | Sells |
|---|---|---|---|---|
| 2026-11 | 0 | 0 | 0 | 0 |
| 2026-10 | 0 | 0 | 0 | 0 |
| 2026-09 | 0 | 0 | 0 | 0 |
| 2026-08 | 0 | 0 | 0 | 0 |
| 2026-07 | 0 | 0 | 0 | 0 |
| 2026-06 | 0 | 0 | 0 | 0 |
| 2026-05 | 0 | 0 | 0 | 0 |
| 2026-04 | 0 | 0 | 0 | 0 |
| 2026-03 | 0 | 0 | 0 | 0 |
| 2026-02 | 0 | 0 | 185.91K | 1 |
| 2026-01 | 0 | 0 | 0 | 0 |
| 2025-12 | 0 | 0 | 31.08K | 1 |
| 2025-11 | 0 | 0 | 0 | 0 |
Institutional holders
| Manager | % owned |
|---|---|
| ALLIANCEBERNSTEIN L.P. | 5.02% |
| WELLINGTON MANAGEMENT GROUP LLP | 3.52% |
| VANGUARD CAPITAL MANAGEMENT LLC | 3.31% |
| RENAISSANCE TECHNOLOGIES LLC | 1.26% |
| MORGAN STANLEY | 0.82% |
| Mink Brook Asset Management LLC | 0.64% |
| Sparta 24 Ltd. | 0.60% |
| VANGUARD FIDUCIARY TRUST CO | 0.50% |
| SUSQUEHANNA INTERNATIONAL GROUP, LLP | 0.45% |
| DIMENSIONAL FUND ADVISORS LP | 0.42% |
Funds
| Fund | % owned |
|---|---|
| VANGUARD TOTAL STOCK MARKET INDEX FUND | 2.30% |
| VANGUARD EXTENDED MARKET INDEX FUND | 0.86% |
| iShares Micro-Cap ETF | 0.29% |
| Fidelity Extended Market Index Fund | 0.22% |
| Ultra-Small Company Market Fund | 0.14% |
| Omni Small-Cap Value Fund | 0.12% |
| U.S. Targeted Value Portfolio | 0.12% |
| Fidelity Total Market Index Fund | 0.08% |
| Fidelity Series Total Market Index Fund | 0.06% |
| Dimensional U.S. Targeted Value ETF | 0.04% |
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