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OptimumBank Holdings Inc. (NYSE American: OPHC) Reshapes Capital Structure as Institutional and Insider Alignment Deepens

  • OptimumBank Holdings, Inc. completed a multi-step modernization of its capital structure at year-end 2025.
  • AllianceBernstein increased its long-term economic exposure while maintaining governance balance through preferred equity.
  • The company simplified its Series B Preferred Stock to improve transparency and comparability for investors.
  • Capital changes were designed to reduce structural complexity, versus deliver economic benefits to management.
  • Fully diluted tangible book value stood at approximately $4.97 per share as of the third quarter of 2025.
  • Management views the streamlined capital framework as supportive of continued asset growth beyond $1.1 billion.

OptimumBank Holdings (NYSE American: OPHC), a community and business bank serving Florida, entered 2026 having completed a broad reworking of its capital structure, a process management describes as laying a clearer foundation for the company’s next phase of growth. The initiative, detailed in a January 5 announcement, reflects coordinated actions by OptimumBank’s largest institutional investor and key insiders, with an emphasis on transparency, alignment, and long-term flexibility (https://ibn.fm/bvijW).

The Fort Lauderdale-based holding company said the changes were undertaken to modernize legacy equity arrangements and to better reflect the scale the institution has reached. OptimumBank Holdings, Inc. surpassed $1.1 billion in assets last year, a milestone that Chairman Moishe Gubin has cited as a…

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NOTE TO INVESTORS: The latest news and updates relating to OPHC are available in the company’s newsroom at https://ibn.fm/OPHC

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