Optimumbank Holdings Inc Dossier
Outlook & Key Dates
Estimates, guidance, catalysts, and upcoming events
Analyst Estimates Learn more →
Analyst Coverage
3analysts covering
FY EPS (est.)
$0.98next fiscal year
Monitoring Framework
Key Performance Indicators
Net Interest Margin (NIM) Quarterly449.0%
Return on Average Assets (ROAA) Quarterly1.6
Return on Average Equity (ROAE) Quarterly15.1
Gross Loans Quarterly1.1B
Total Deposits Quarterly1.1B
Watch Items
- Leadership Transition ExecutionTrigger: Integration of new Bank President Braden R. Smith and Chairman Moishe Gubin as CEOAction: Monitor operational continuity, loan origination momentum, and strategic alignment under the new executive structure.
- Funding Costs and Deposit CompetitionTrigger: Cost of interest-bearing liabilities rising above 3.50%Action: Evaluate deposit pricing strategies and the impact of South Florida regional competition on the net interest margin.
- Commercial Real Estate (CRE) ConcentrationTrigger: CRE loans exceeding 75% of the total mortgage-secured portfolioAction: Review credit underwriting standards, nonperforming loan ratios, and allowance for credit losses (ACL) adequacy.
Research as of 19 Jun 2026