8-K ·Filed Apr 24, 2026
8-K Item 2.02: Earnings release
Actionable Insight ▼ Bearish
Monitor next quarter's credit loss expense and efficiency ratio, as increased provisions and operating costs offset strong net interest margin expansion.
Final — all horizons settled through T+60d ⚠ clustered
OPHC ▲ +8.88% at T+60d
SHORT call ✗ call lost -8.88% · α vs SPY -3.80% · entry $5.52 → $6.01
T+1d
+0.72%
call -0.72% · α -0.56%
$5.56
settled 6mo ago
T+5d
-1.09%
call +1.09% · α +2.00%
$5.46
settled 6mo ago
T+20d
0.00%
call 0.00% · α +4.03%
$5.52
settled 5mo ago
T+60d
+8.88%
call -8.88% · α -3.80%
$6.01
settled 3mo ago
Price Chart
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Executive Summary
OptimumBank Holdings reported Q1 2026 earnings with diluted EPS of $0.20, missing consensus of $0.23 by 13%. Net interest margin expanded to 4.49%, but net income declined 3.9% sequentially due to higher credit loss expense and noninterest expenses. The bank maintained a strong Tier 1 Leverage Ratio of 10.74%.
Key Financial Metrics
EPS
$0.20
est $0.23 · -13.0%
Revenue
$13.2M
+39.9% YoY
Rating
miss
Key Facts
- Q1 2026 diluted EPS of $0.20 missed consensus of $0.23 by 13%
- Net income declined 3.9% to $4.7 million from $4.9 million in Q4 2025
- Net interest margin increased to 4.49% from 4.39% in Q4 2025
- Credit loss expense increased to $0.8 million from $0.4 million in Q4 2025
- Noninterest expenses increased to $8.0 million from $6.7 million in Q4 2025
Financial Impact
Earnings miss of $0.03 per share, net income decrease of $190,000
epsnet_incomemarginsexpenses
Risk Factors
- Rising credit loss expense despite modest net charge-offs
- Increased noninterest expenses primarily from higher employee compensation
Market Snapshot
Exchange
NYSE
Sector
National Commercial Banks
Investment Themes
Traditional Finance
Documents Analyzed
This report is based on 6 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001493152-26-018855 |
| Document: form8-k.htm | 0001493152-26-018855 |
| Document: 0001493152-26-018855-index-headers.html | 0001493152-26-018855 |
| Document: 0001493152-26-018855-index.html | 0001493152-26-018855 |
| Document: 0001493152-26-018855.txt | 0001493152-26-018855 |
| 8-K Data (Synthetic) | 0001493152-26-018855 |
7 reports for OPHC
100% Hit rate @ T+5 Went positive at some point 3 of 3 best @ T+20▲ +47.62%
Filters
Rows
| Type | Now | ||||
|---|---|---|---|---|---|
Sep 22, 2026 5w ago | EFFECT | $9.23 $8.92 | ▼ −3.36% | ▼ −2.17% | $8.71 (−5.63%) |
Sep 10, 2026 6w ago | S-4 | $9.07 $9.33 | ▲ +2.87% | ▲ +3.09% | $8.71 (−3.97%) |
Aug 13, 2026 10w ago | 8-K | $9.18 $9.22 | ▲ +0.44% | ▲ +2.40% | $8.71 (−5.12%) |
Jul 24, 2026 13w ago | 8-K | $6.30 $7.05 | ▲ +11.90% | ▲ +11.53% | $8.71 (+38.25%) |
May 5, 2026 25w ago | 8-K | $5.59 $5.51 | ▼ −1.43% | ▼ −3.42% | $8.71 (+55.81%) |
Apr 24, 2026 26w ago | 8-K | $5.52 $5.46 | ▲ +1.09% | ▲ +2.00% | $8.71 (−57.79%) |
Apr 24, 2026 26w ago | Press Release | $5.52 $5.46 | ▲ +1.09% | ▲ +2.00% | $8.71 (−57.79%) |
Showing 7 of 7
US Market Status
Market Open — Closes in 6h 12m
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