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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: 98

• Price / Volume Information    Yesterday's Closing Price: $5.53 Daily Weekly Monthly 20 Day Moving Average: 27,420 shares Shares Outstanding: 12.27 (millions) Market Capitalization: $67.84 (millions) Beta: 0.33 52 Week High: $5.64 52 Week Low: $3.91 Short Interest Ratio:   % Price Change % Price Change Relative to S&P 500 4 Week 1.84% -3.13% 12 Week 3.75% -4.09% Year To Date 30.12% 19.41%

• Address & Contact Information Street Address Phone / Fax Email Address Web URL 2929 EAST COMMERCIAL BOULEVARD SUITE 303 - 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 Elliot Nunez - Chief Financial Officer Michael Blisko - Director Joel Klein - 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: 03/01/26 Next Expected EPS Date: 08/14/26 Share - Related Items Shares Outstanding: 12.27 Most Recent Split Date: 1.00 (0.10:1) Beta: 0.33 Market Capitalization: $67.84 (millions)

• EPS Information     • Dividend Information Analyst Coverage: No Dividend Yield: 0.00% Current Fiscal Quarter EPS Consensus Estimate: $0.20 Indicated Annual Dividend: $0.00 Current Fiscal Year EPS Consensus Estimate: $0.85 Payout Ratio: 0.00 Number of Estimates in the Fiscal Year Consensus: 1.00 Change In Payout Ratio: 0.00 Estmated Long-Term EPS Growth Rate: % Last Dividend Paid: NA - $0.00 Next EPS Report Date: 08/14/26

• Fundamental Ratios P/E Current FY Estimate: 6.51 Trailing 12 Months: 6.28 PEG Ratio: - Price Ratios Price/Book: 0.53 Price/Cash Flow: 3.67 Price / Sales: 0.89 EPS Growth vs. Year Ago Period: -37.50% vs. Previous Quarter: -4.76% Sales Growth vs. Year Ago Period: 30.79% vs. Previous Quarter: 10.81% ROE 03/31/26 - 14.63 12/31/25 - 14.53 09/30/25 - 14.33 ROA 03/31/26 - 1.56 12/31/25 - 1.60 09/30/25 - 1.58 Current Ratio 03/31/26 - 1.12 12/31/25 - 1.14 09/30/25 - 1.09 Quick Ratio 03/31/26 - 1.12 12/31/25 - 1.14 09/30/25 - 1.09 Operating Margin 03/31/26 - 22.91 12/31/25 - 23.41 09/30/25 - 22.93 Net Margin 03/31/26 - 22.91 12/31/25 - 23.41 09/30/25 - 22.93 Pre-Tax Margin 03/31/26 - 30.44 12/31/25 - 31.17 09/30/25 - 30.61 Book Value 03/31/26 - 10.34 12/31/25 - 10.57 09/30/25 - 9.95 Inventory Turnover 03/31/26 - - 12/31/25 - - 09/30/25 - - Debt-to-Equity 03/31/26 - 0.32 12/31/25 - 0.41 09/30/25 - 0.00 Debt-to-Capital 03/31/26 - 23.97 12/31/25 - 29.09 09/30/25 - 0.00

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