OptimumBank Holdings Inc. (NYSE American: OPHC) Is ‘One to Watch’
OptimumBank has delivered record earnings and profitability, with 2024 net income of $13.1 million and Core ROAE above 23 percent, all achieved without credit losses for the past seven years. The company expects to surpass $1.2 billion in assets by the end of 2025 and projects continued growth to $1.5 to $1.6 billion by year-end 2026, supported by a clean balance sheet and no exposure to long-dated, low-yield bonds. OptimumBank achieved SBA Preferred Lender status in just over two years and grew its SBA lending program from zero, demonstrating rapid execution and small business demand. Strategic investments in a new…