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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: $6.30 Daily Weekly Monthly 20 Day Moving Average: 24,963 shares Shares Outstanding: 12.27 (millions) Market Capitalization: $77.29 (millions) Beta: 0.29 52 Week High: $6.30 52 Week Low: $3.91 Short Interest Ratio:   % Price Change % Price Change Relative to S&P 500 4 Week 8.62% 7.77% 12 Week 13.11% 10.33% Year To Date 48.24% 36.91%

• 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 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: 06/01/26 Next Expected EPS Date: 11/09/26 Share - Related Items Shares Outstanding: 12.27 Most Recent Split Date: 1.00 (0.10:1) Beta: 0.29 Market Capitalization: $77.29 (millions)

• EPS Information     • Dividend Information Analyst Coverage: No Dividend Yield: 0.00% Current Fiscal Quarter EPS Consensus Estimate: $0.22 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: 11/09/26

• Fundamental Ratios P/E Current FY Estimate: 7.41 Trailing 12 Months: 7.24 PEG Ratio: - Price Ratios Price/Book: 0.60 Price/Cash Flow: 4.18 Price / Sales: 0.93 EPS Growth vs. Year Ago Period: -3.45% vs. Previous Quarter: 40.00% Sales Growth vs. Year Ago Period: 38.96% vs. Previous Quarter: 14.00% ROE 06/30/26 - 16.82 03/31/26 - 14.63 12/31/25 - 14.53 ROA 06/30/26 - 1.78 03/31/26 - 1.56 12/31/25 - 1.60 Current Ratio 06/30/26 - - 03/31/26 - 1.12 12/31/25 - 1.14 Quick Ratio 06/30/26 - - 03/31/26 - 1.12 12/31/25 - 1.14 Operating Margin 06/30/26 - 24.72 03/31/26 - 22.91 12/31/25 - 23.41 Net Margin 06/30/26 - 24.72 03/31/26 - 22.91 12/31/25 - 23.41 Pre-Tax Margin 06/30/26 - - 03/31/26 - 30.44 12/31/25 - 31.17 Book Value 06/30/26 - - 03/31/26 - 10.43 12/31/25 - 10.57 Inventory Turnover 06/30/26 - - 03/31/26 - - 12/31/25 - - Debt-to-Equity 06/30/26 - - 03/31/26 - 0.32 12/31/25 - 0.41 Debt-to-Capital 06/30/26 - - 03/31/26 - 23.97 12/31/25 - 29.09

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