PRESS-RELEASE ·Filed Apr 24, 2026
Press release · Earnings
Actionable Insight ▼ Bearish
Monitor upcoming guidance on cost management and credit loss trends; despite top-line growth, rising expenses and EPS miss suggest margin pressure that could weigh on near-term valuation.
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 diluted EPS of $0.20, missing the $0.23 consensus by 6.7%, despite strong loan and deposit growth. Net income declined sequentially due to higher noninterest expenses and credit loss provisions.
Key Financial Metrics
EPS
$0.20
est $0.23 · -13.0%
Revenue
$13.2M
+40.0% YoY
Rating
miss
Key Facts
- Q1 2026 diluted EPS: $0.20 (missed $0.23 consensus by 6.7%)
- Net income: $4.7M vs $4.9M in prior quarter
- Loan portfolio grew $132.1M (13.8%) to $1.09B
- Deposits increased $161.1M (17.3%) to $1.09B
- Noninterest expenses rose $1.3M to $8.0M, driven by employee compensation
Financial Impact
EPS miss of $0.03 vs consensus; revenue not applicable for banks — net interest income was $13.2M, up $1.3M QoQ
epsnet_interest_incomenoninterest_expensescredit_loss_expense
Risk Factors
- Increasing noninterest expenses may compress profitability
- Elevated credit loss expense despite stable asset quality
Market Snapshot
Exchange
NYSE
Sector
National Commercial Banks
Investment Themes
Traditional Finance
Documents Analyzed
This report is based on 1 press release from GlobeNewswire.
| Document | Accession Number |
|---|---|
| PRESS-RELEASE Data (Synthetic) | press-3280779 |
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% | $9.10 (−1.41%) |
Sep 10, 2026 6w ago | S-4 | $9.07 $9.33 | ▲ +2.87% | ▲ +3.09% | $9.10 (+0.33%) |
Aug 13, 2026 10w ago | 8-K | $9.18 $9.22 | ▲ +0.44% | ▲ +2.40% | $9.10 (−0.87%) |
Jul 24, 2026 13w ago | 8-K | $6.30 $7.05 | ▲ +11.90% | ▲ +11.53% | $9.10 (+44.44%) |
May 5, 2026 25w ago | 8-K | $5.59 $5.51 | ▼ −1.43% | ▼ −3.42% | $9.10 (+62.79%) |
Apr 24, 2026 26w ago | 8-K | $5.52 $5.46 | ▲ +1.09% | ▲ +2.00% | $9.10 (−64.86%) |
Apr 24, 2026 26w ago | Press Release | $5.52 $5.46 | ▲ +1.09% | ▲ +2.00% | $9.10 (−64.86%) |
Showing 7 of 7
US Market Status
Market Open — Closes in 53m
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