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Zacks Company Profile for OptimumBank Holdings, Inc. (OPHC : AMEX)

• Company Description    OptimumBank offers real estate lending and retail banking products to individuals and businesses in Broward, Dade and Palm Beach Counties. Number of Employees: 73

• Price / Volume Information    Yesterday's Closing Price: $3.95 Daily Weekly Monthly 20 Day Moving Average: 38,191 shares Shares Outstanding: 11.75 (millions) Market Capitalization: $46.42 (millions) Beta: 0.40 52 Week High: $4.94 52 Week Low: $3.53 Short Interest Ratio:   % Price Change % Price Change Relative to S&P 500 4 Week -5.73% -6.32% 12 Week -8.56% -13.00% Year To Date -16.49% -27.73%

• Address & Contact Information Street Address Phone / Fax Email Address Web URL 2929 EAST COMMERCIAL BOULEVARD - FORT LAUDERDALE,FL 33308 USA ph: 954-900-2800 fax: 954-900-2851 None http://www.optimumbank.com

• General Corporate Information    Officers Timothy Terry - Principal Executive Officer Moishe Gubin - Chairman Joel Klein - Principal Financial Officer Steven Newman - Director Moishe Gubin - Director Peer Information OptimumBank Holdings, Inc. (TSFG) OptimumBank Holdings, Inc. (ABCB) OptimumBank Holdings, Inc. (CFNL) OptimumBank Holdings, Inc. (CPKF) OptimumBank Holdings, Inc. (HIB) OptimumBank Holdings, Inc. (FVB) Industry / Sector / Ticker Info Analyst Coverage: No Industry Group: BANKS-SOUTHEAST Sector: Finance CUSIP: 68401P403 SIC: 6021 Fiscal Year Fiscal Year End: December Last Reported Quarter: 06/01/25 Next Expected EPS Date: 11/14/25 Share - Related Items Shares Outstanding: 11.75 Most Recent Split Date: 1.00 (0.10:1) Beta: 0.40 Market Capitalization: $46.42 (millions)

• EPS Information     • Dividend Information Analyst Coverage: No Dividend Yield: 0.00% Current Fiscal Quarter EPS Consensus Estimate: $ Indicated Annual Dividend: $0.00 Current Fiscal Year EPS Consensus Estimate: $ Payout Ratio: 0.00 Number of Estimates in the Fiscal Year Consensus: Change In Payout Ratio: 0.00 Estmated Long-Term EPS Growth Rate: % Last Dividend Paid: NA - $0.00 Next EPS Report Date: 11/14/25

• Fundamental Ratios P/E Current FY Estimate: - Trailing 12 Months: 3.09 PEG Ratio: - Price Ratios Price/Book: 0.42 Price/Cash Flow: 2.92 Price / Sales: 0.69 EPS Growth vs. Year Ago Period: -14.71% vs. Previous Quarter: -9.38% Sales Growth vs. Year Ago Period: 6.30% vs. Previous Quarter: 7.29% ROE 09/30/25 - - 06/30/25 - 14.19 03/31/25 - 14.96 ROA 09/30/25 - - 06/30/25 - 1.53 03/31/25 - 1.56 Current Ratio 09/30/25 - - 06/30/25 - 1.09 03/31/25 - 1.10 Quick Ratio 09/30/25 - - 06/30/25 - 1.09 03/31/25 - 1.10 Operating Margin 09/30/25 - - 06/30/25 - 22.04 03/31/25 - 22.22 Net Margin 09/30/25 - - 06/30/25 - 22.04 03/31/25 - 22.22 Pre-Tax Margin 09/30/25 - - 06/30/25 - 29.62 03/31/25 - 29.80 Book Value 09/30/25 - - 06/30/25 - 9.48 03/31/25 - 9.19 Inventory Turnover 09/30/25 - - 06/30/25 - - 03/31/25 - - Debt-to-Equity 09/30/25 - - 06/30/25 - 0.00 03/31/25 - 0.09 Debt-to-Capital 09/30/25 - - 06/30/25 - 0.00 03/31/25 - 8.47

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