OptimumBank (OPHC) Latest Stock Analysis Report – Oct 15, 2026, 4:00 PM ET
Updated Oct 15, 2026, 4:00 PM ET
- Closed at $8.95, -0.56% vs the prior close of $9.00.
- Volume 49.10K shares, 0.4x its 50-day average (light).
- No new SEC filings since the prior session.
- No new insider buys or sales reported since the prior session.
OPHC dips 0.6% to $8.95. Closed at $8.95, -0.56% vs the prior close of $9.00. Day range $8.88–$9.13, opened at $8.97.
OPHC daily analysis — what happened
A plain-English, data-only note written after every US trading day. Newest first; older days stay archived below.
Oct 15, 2026 — OPHC dips 0.6% to $8.95
- Closed at $8.95, -0.56% vs the prior close of $9.00. Day range $8.88–$9.13, opened at $8.97.
- Volume was 49.10K shares, 0.4x its 50-day average of 114.30K — lighter than usual.
- Price is -1.5% vs its 50-day average ($9.08) and +40.5% vs its 200-day average ($6.37).
- 52-week range $3.91–$10.68; today's close sits at 74% of that range, 16.2% below the 52-week high.
Oct 14, 2026 — OPHC rises 2.4% to $9.00
- Closed at $9.00, +2.39% vs the prior close of $8.79. Day range $8.82–$9.09, opened at $8.82.
- Volume was 38.50K shares, 0.3x its 50-day average of 119.95K — lighter than usual.
- Price is -0.9% vs its 50-day average ($9.08) and +41.8% vs its 200-day average ($6.35).
- 52-week range $3.91–$10.68; today's close sits at 75% of that range, 15.7% below the 52-week high.
Oct 13, 2026 — OPHC rises 1.9% to $8.79
- Closed at $8.79, +1.85% vs the prior close of $8.63. Day range $8.53–$8.89, opened at $8.68.
- Volume was 106.70K shares, 0.8x its 50-day average of 128.34K.
- Price is -3.2% vs its 50-day average ($9.08) and +39.0% vs its 200-day average ($6.32).
- 52-week range $3.91–$10.68; today's close sits at 72% of that range, 17.7% below the 52-week high.
Oct 12, 2026 — OPHC dips 0.8% to $8.63, 3 down days in a row
- Closed at $8.63, -0.80% vs the prior close of $8.70. Day range $8.62–$8.83, opened at $8.65.
- Volume was 86.30K shares, 0.7x its 50-day average of 131.18K.
- Price is -5.0% vs its 50-day average ($9.09) and +37.0% vs its 200-day average ($6.30).
- 52-week range $3.91–$10.68; today's close sits at 70% of that range, 19.2% below the 52-week high.
- That makes 3 straight losses.
Oct 9, 2026 — OPHC slides 3.5% to $8.70
- Closed at $8.70, -3.55% vs the prior close of $9.02. Day range $8.70–$9.05, opened at $8.90.
- Volume was 38.20K shares, 0.3x its 50-day average of 135.58K — lighter than usual.
- Price is -4.1% vs its 50-day average ($9.07) and +38.6% vs its 200-day average ($6.28).
- 52-week range $3.91–$10.68; today's close sits at 71% of that range, 18.5% below the 52-week high.
Oct 8, 2026 — OPHC dips 0.8% to $9.02
- Closed at $9.02, -0.77% vs the prior close of $9.09. Day range $8.85–$9.11, opened at $9.11.
- Volume was 49.50K shares, 0.4x its 50-day average of 141.06K — lighter than usual.
- Price is -0.2% vs its 50-day average ($9.03) and +44.2% vs its 200-day average ($6.26).
- 52-week range $3.91–$10.68; today's close sits at 75% of that range, 15.5% below the 52-week high.
Oct 7, 2026 — OPHC jumps 3.2% to $9.09
- Closed at $9.09, +3.18% vs the prior close of $8.81. Day range $8.78–$9.09, opened at $8.81.
- Volume was 48.00K shares, 0.3x its 50-day average of 144.29K — lighter than usual.
- Price is +1.0% vs its 50-day average ($9.00) and +45.9% vs its 200-day average ($6.23).
- 52-week range $3.91–$10.68; today's close sits at 77% of that range, 14.9% below the 52-week high.
Oct 6, 2026 — OPHC rises 2.4% to $8.81
- Closed at $8.81, +2.44% vs the prior close of $8.60. Day range $8.60–$9.10, opened at $8.69.
- Volume was 82.40K shares, 0.6x its 50-day average of 147.67K — lighter than usual.
- Price is -1.6% vs its 50-day average ($8.96) and +41.9% vs its 200-day average ($6.21).
- 52-week range $3.91–$10.68; today's close sits at 72% of that range, 17.5% below the 52-week high.
Oct 5, 2026 — OPHC slides 4.9% to $8.60, a 1-month low
- Closed at $8.60, -4.87% vs the prior close of $9.04. Day range $8.60–$9.22, opened at $8.97.
- Volume was 104.80K shares, 0.7x its 50-day average of 150.32K.
- Price is -3.5% vs its 50-day average ($8.91) and +39.1% vs its 200-day average ($6.18).
- 52-week range $3.91–$10.68; today's close sits at 69% of that range, 19.5% below the 52-week high.
Oct 2, 2026 — OPHC jumps 4.0% to $9.04
- Closed at $9.04, +4.03% vs the prior close of $8.69. Day range $8.73–$9.09, opened at $8.73.
- Volume was 46.10K shares, 0.3x its 50-day average of 149.88K — lighter than usual.
- Price is +1.9% vs its 50-day average ($8.87) and +46.7% vs its 200-day average ($6.16).
- 52-week range $3.91–$10.68; today's close sits at 76% of that range, 15.4% below the 52-week high.
OPHC latest news & SEC filings
Every SEC filing by or about OPHC in the last 120 days, explained in plain English. Updated daily, with a same-day refresh for new filings.
Sep 21, 2026 · Form EFFECT — EFFECT filing
EFFECT filing
Sep 21, 2026 · Form 424B3 — Prospectus / supplement for an offering or resale
Prospectus / supplement for an offering or resale
An offering document: new shares or debt may be sold, which can increase the share count (dilution) or debt load. Size and terms are in the prospectus.
Sep 11, 2026 · Form DEL AM — DEL AM filing
DEL AM filing
Aug 19, 2026 · Form 8-K — Major event / current report
Current report — a filing companies must make within 4 business days of a major event
- Item 1.01 — Signed a material agreement.
- Item 2.03 — Took on a new material debt or financial obligation.
- Item 7.01 — Released information under Regulation FD (e.g. a presentation or press release).
Aug 14, 2026 · Form SCHEDULE 13G — Passive stake (13G)
Passive stake (13G) — an investor reported owning more than 5%
Filed by an outside investor (not the company). It reports a holding of more than 5% of a share class; percentage and holder name are in the filing.
Aug 13, 2026 · Form 8-K — Major event / current report
Current report — a filing companies must make within 4 business days of a major event
- Item 7.01 — Released information under Regulation FD (e.g. a presentation or press release).
Aug 10, 2026 · Form 10-Q — Quarterly report
Quarterly report (unaudited financial statements for the quarter)
Quarter ended Jun 30, 2026:
- Net income: $6.66M (prior year $3.60M) (+84.8% vs Jun 30, 2025)
- Diluted EPS: $0.28 (prior year $0.15) (+86.7% vs Jun 30, 2025)
Jul 24, 2026 · Form 8-K — Major event / current report
Current report — a filing companies must make within 4 business days of a major event
- Item 2.02 — Reported results of operations (earnings release).
- Item 7.01 — Released information under Regulation FD (e.g. a presentation or press release).
This is a results-day filing: the earnings press release is attached as an exhibit.
Things to know before you trade OPHC
- Last results release: Jul 24, 2026 (8-K Item 2.02). Previous ones: Apr 24, 2026, Feb 2, 2026, Jan 20, 2026. Based on that rhythm, the next report is likely around Oct 23, 2026 — an estimate, not a confirmed date.
- How much it moves: over the last 20 sessions the average daily move was 2.12% (largest 4.9%).
- Liquidity: about 73.58K shares (≈$658.59K) trade per day on average. Thin volume can mean wider bid/ask spreads.
- 52-week position: $8.95 vs a range of $3.91–$10.68 (74% of the range).
- Dividends: no cash dividends in the last 2 years.
- Splits: none in the last 2 years.
- Insider trades (Form 4, last 12 months, recent 25 shown): 1 open-market buys, 2 sales; latest: Timothy Terry sold 39,304 shares on Feb 2, 2026.
- Latest filings: 8-K Aug 19, 2026; 8-K Aug 13, 2026; 10-Q Aug 10, 2026.
- Share count: 12.27M shares outstanding (May 11, 2026), +4.4% vs a year earlier.
- Listing: NYSE · industry: National Commercial Banks.
OPHC market data (last 20 sessions)
| Date | Open | High | Low | Close | Volume |
|---|---|---|---|---|---|
| Oct 15, 2026 | 8.97 | 9.13 | 8.88 | 8.95 | 49.10K |
| Oct 14, 2026 | 8.82 | 9.09 | 8.82 | 9.00 | 38.50K |
| Oct 13, 2026 | 8.68 | 8.89 | 8.53 | 8.79 | 106.70K |
| Oct 12, 2026 | 8.65 | 8.83 | 8.62 | 8.63 | 86.30K |
| Oct 9, 2026 | 8.90 | 9.05 | 8.70 | 8.70 | 38.20K |
| Oct 8, 2026 | 9.11 | 9.11 | 8.85 | 9.02 | 49.50K |
| Oct 7, 2026 | 8.81 | 9.09 | 8.78 | 9.09 | 48.00K |
| Oct 6, 2026 | 8.69 | 9.10 | 8.60 | 8.81 | 82.40K |
| Oct 5, 2026 | 8.97 | 9.22 | 8.60 | 8.60 | 104.80K |
| Oct 2, 2026 | 8.73 | 9.09 | 8.73 | 9.04 | 46.10K |
| Oct 1, 2026 | 8.64 | 8.88 | 8.38 | 8.69 | 46.20K |
| Sep 30, 2026 | 8.88 | 8.92 | 8.53 | 8.72 | 62.50K |
| Sep 29, 2026 | 8.87 | 9.05 | 8.68 | 8.92 | 42.40K |
| Sep 28, 2026 | 8.88 | 9.06 | 8.82 | 8.85 | 65.60K |
| Sep 25, 2026 | 9.30 | 9.32 | 8.74 | 8.85 | 159.70K |
| Sep 24, 2026 | 8.99 | 9.28 | 8.99 | 9.27 | 49.20K |
| Sep 23, 2026 | 9.11 | 9.35 | 8.93 | 8.93 | 81.90K |
| Sep 22, 2026 | 9.26 | 9.35 | 9.00 | 9.23 | 86.60K |
| Sep 21, 2026 | 9.19 | 9.30 | 8.99 | 9.20 | 90.90K |
| Sep 18, 2026 | 9.24 | 9.34 | 8.92 | 9.33 | 137.10K |
About OptimumBank
OptimumBank (OPHC) is listed on the NYSE and classified by the SEC under “National Commercial Banks”. Its business address is in FORT LAUDERDALE, FL. State of incorporation: FL. Fiscal year ends December 31. SEC CIK 1288855.
OPHC board of directors & executives
From SEC Form 3/4/5 insider filings made in the last 12 months (date = latest filing).
Directors
| Name | Role | Latest filing |
|---|---|---|
| Michael Blisko | Director | Jan 30, 2026 |
Executive officers
| Name | Title | Latest filing |
|---|---|---|
| Timothy Terry | PEO | Feb 4, 2026 |
Recent insider buys & sales
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| Feb 2, 2026 | Timothy Terry | Sale | 39,304 | $4.73 |
| Dec 4, 2025 | Michael Blisko | Buy | 7,600 | $4.09 |
| Dec 4, 2025 | Michael Blisko | Sale | 7,600 | $4.09 |
OPHC financials (annual, from XBRL filings)
| Fiscal year end | Revenue | Net income | Diluted EPS | Operating cash flow |
|---|---|---|---|---|
| Dec 31, 2025 | — | $16.65M | 0.71 | $17.84M |
| Dec 31, 2024 | — | $13.12M | 0.63 | $15.61M |
| Dec 31, 2023 | — | $6.28M | 0.87 | $6.88M |
| Dec 31, 2022 | — | $4.02M | 0.68 | $10.36M |
| Dec 31, 2021 | — | $6.30M | — | $3.76M |
Latest balance sheet: total assets $1.40B, total liabilities $1.27B, cash $15.94M (as of Jun 30, 2026).
OPHC earnings / results-day log
| Date | Filing | Close that day |
|---|---|---|
| Jul 24, 2026 | 8-K Item 2.02 (results) | $6.30 |
| Apr 24, 2026 | 8-K Item 2.02 (results) | $5.52 |
| Feb 2, 2026 | 8-K Item 2.02 (results) | $4.86 |
| Jan 20, 2026 | 8-K Item 2.02 (results) | $4.75 |
| Nov 12, 2025 | 8-K Item 2.02 (results) | $4.13 |
| Oct 16, 2025 | 8-K Item 2.02 (results) | $3.98 |
| Aug 6, 2025 | 8-K Item 2.02 (results) | $4.55 |
| May 6, 2024 | 8-K Item 2.02 (results) | — |
| Apr 22, 2024 | 8-K Item 2.02 (results) | — |
| Feb 6, 2024 | 8-K Item 2.02 (results) | — |
| Feb 5, 2024 | 8-K Item 2.02 (results) | — |
| Dec 8, 2023 | 8-K Item 2.02 (results) | — |
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Information only, not investment advice. BuyMeWhiskey is not a registered investment adviser or broker-dealer; nothing here is a recommendation to buy, sell or hold any security, and there are no price targets. Data comes from SEC EDGAR filings and public end-of-day market data and may be delayed or contain errors. Verify with the company's filings before making decisions. Prices: end-of-day data as of Oct 15, 2026, 4:00 PM ET. Filings: SEC EDGAR. Updated after every US trading day.