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OptimumBank Holding, Inc. Financial Performance for the Second Quarter of 2024

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OptimumBank Holdings (NASDAQ: OPHC) reported strong Q2 2024 financial results, with net income of $3.5 million ($0.34 per diluted share), up from $1.3 million in Q2 2023. Key highlights include:

- Net interest income increased 56% to $8.7 million
- Net interest margin improved to 3.79%
- Noninterest income surged 56% to $1.2 million
- Gross loans expanded 12% to $761.1 million
- Total deposits grew 19% to $762.6 million

The company's Tier 1 capital to total assets ratio was 9.68% as of June 30, 2024. Chairman Moishe Gubin expressed confidence in the company's ability to sustain momentum and deliver long-term value to shareholders.

OptimumBank Holdings (NASDAQ: OPHC) ha riportato risultati finanziari solidi per il secondo trimestre del 2024, con un utile netto di 3,5 milioni di dollari (0,34 dollari per azione diluita), in aumento rispetto a 1,3 milioni di dollari nel secondo trimestre del 2023. I punti salienti includono:

- Il reddito netto da interessi è aumentato del 56% a 8,7 milioni di dollari
- Il margine d'interesse netto è migliorato a 3,79%
- Il reddito non da interessi è aumentato del 56% a 1,2 milioni di dollari
- I prestiti lordi sono cresciuti del 12% a 761,1 milioni di dollari
- I depositi totali sono cresciuti del 19% a 762,6 milioni di dollari

Il rapporto di capitale di livello 1 rispetto al totale delle attività della società era del 9,68% al 30 giugno 2024. Il presidente Moishe Gubin ha espresso fiducia nella capacità dell'azienda di mantenere lo slancio e fornire valore a lungo termine agli azionisti.

OptimumBank Holdings (NASDAQ: OPHC) reportó resultados financieros sólidos para el segundo trimestre de 2024, con un ingreso neto de 3,5 millones de dólares (0,34 dólares por acción diluida), un aumento desde 1,3 millones de dólares en el segundo trimestre de 2023. Los aspectos destacados incluyen:

- Los ingresos netos por intereses aumentaron un 56% a 8,7 millones de dólares
- El margen de interés neto mejoró a 3,79%
- Los ingresos no por intereses se dispararon un 56% a 1,2 millones de dólares
- Los préstamos brutos se expandieron un 12% a 761,1 millones de dólares
- Los depósitos totales crecieron un 19% a 762,6 millones de dólares

El ratio de capital de nivel 1 con respecto al total de activos de la compañía fue del 9,68% al 30 de junio de 2024. El presidente Moishe Gubin expresó confianza en la capacidad de la compañía para mantener el impulso y ofrecer valor a largo plazo a los accionistas.

옵티멈뱅크 홀딩스(NASDAQ: OPHC)는 2024년 2분기 강력한 재무 결과를 보고했으며, 순이익은 350만 달러 (희석주당 0.34달러)로, 2023년 2분기의 130만 달러에서 증가했습니다. 주요 하이라이트는 다음과 같습니다:

- 순이자 수익이 56% 증가하여 870만 달러에 달했습니다.
- 순이자 마진이 3.79%로 개선되었습니다.
- 비이자 수익이 56% 급증하여 120만 달러에 이르렀습니다.
- 총 대출이 12% 증가하여 7억 6110만 달러에 달했습니다.
- 총 예금이 19% 증가하여 7억 6260만 달러에 달했습니다.

회사의 1급 자본 대 총 자산 비율은 2024년 6월 30일 기준으로 9.68%입니다. 의장인 모이쉐 구빈은 회사가 모멘텀을 유지하고 장기적인 주주 가치를 제공할 수 있는 능력에 대한 자신감을 표명했습니다.

OptimumBank Holdings (NASDAQ: OPHC) a rapporté de solides résultats financiers pour le deuxième trimestre 2024, avec un revenu net de 3,5 millions de dollars (0,34 dollar par action diluée), contre 1,3 million de dollars au deuxième trimestre 2023. Les points forts incluent :

- Le revenu net d'intérêts a augmenté de 56 % pour atteindre 8,7 millions de dollars
- La marge d'intérêt nette s'est améliorée à 3,79%
- Le revenu non d'intérêts a grimpé de 56 % pour atteindre 1,2 million de dollars
- Les prêts bruts ont progressé de 12 % pour atteindre 761,1 millions de dollars
- Les dépôts totaux ont augmenté de 19 % pour atteindre 762,6 millions de dollars

Le ratio de capital de niveau 1 par rapport au total des actifs de la société était de 9,68% au 30 juin 2024. Le président Moishe Gubin a exprimé sa confiance dans la capacité de l'entreprise à maintenir son élan et à offrir une valeur à long terme aux actionnaires.

OptimumBank Holdings (NASDAQ: OPHC) berichtete über starke Finanzzahlen für das zweite Quartal 2024, mit einem Nettoergebnis von 3,5 Millionen US-Dollar (0,34 US-Dollar pro verwässerter Aktie), gestiegen von 1,3 Millionen US-Dollar im zweiten Quartal 2023. Die wichtigsten Höhepunkte sind:

- Nettozinserträge stiegen um 56% auf 8,7 Millionen US-Dollar
- Nettozinsspanne verbesserte sich auf 3,79%
- Nichtzinsgebühren sprangen um 56% auf 1,2 Millionen US-Dollar
- Bruttokredite wuchsen um 12% auf 761,1 Millionen US-Dollar
- Gesamteinlagen stiegen um 19% auf 762,6 Millionen US-Dollar

Das Verhältnis von Tier-1-Kapital zu Gesamtvermögen der Gesellschaft betrug zum 30. Juni 2024 9,68%. Vorsitzender Moishe Gubin äußerte Vertrauen in die Fähigkeit des Unternehmens, das Momentum aufrechtzuerhalten und den Aktionären langfristigen Wert zu bieten.

Positive
  • Net income increased significantly to $3.5 million in Q2 2024, up from $1.3 million in Q2 2023
  • Net interest income grew by 56% year-over-year to $8.7 million
  • Net interest margin improved to 3.79% from 3.73% in the same quarter last year
  • Noninterest income surged 56% to $1.2 million
  • Gross loans expanded by 12% to $761.1 million
  • Total deposits grew by 19% to $762.6 million
  • Tier 1 capital to total assets ratio remained strong at 9.68%
Negative
  • Noninterest expenses increased by 30% to $5 million
  • Uninsured deposits made up 27.4% of total deposits, although this decreased from 44.1% at the end of 2023
  • Tier 1 capital to total assets ratio slightly decreased from 10.00% at the end of 2023 to 9.68% in Q2 2024

Insights

OptimumBank's Q2 2024 results show impressive growth and profitability. Net income surged to $3.5 million ($0.34 per diluted share), up 169% year-over-year. This was driven by a 56% increase in net interest income and improved net interest margin of 3.79%.

The bank's loan portfolio grew 12% to $761.1 million, while deposits increased 19% to $762.6 million. The 90% jump in time deposits is notable, potentially indicating higher funding costs ahead. However, the reduction in uninsured deposits from 44.1% to 27.4% is a positive sign for stability.

While expenses rose 30%, the efficiency ratio improved, demonstrating good cost management. The Tier 1 capital ratio of 9.68% remains solid, though slightly lower than year-end 2023. Overall, OptimumBank shows strong growth momentum and improving profitability metrics.

OptimumBank's performance stands out in the current banking environment. The 56% growth in net interest income, despite rising deposit costs, showcases effective asset-liability management. The improvement in net interest margin to 3.79% is particularly impressive given industry pressures.

The bank's deposit growth strategy appears successful, with a healthy mix of noninterest-bearing and time deposits. The significant reduction in uninsured deposits is a prudent move, enhancing stability. However, the 90% increase in time deposits may pressure margins in future quarters.

The planned ATM offering could provide additional capital for growth, but may dilute existing shareholders. With a loan-to-deposit ratio near 100%, managing liquidity will be important as the bank continues its rapid expansion. The focus on SBA lending, evidenced by gains from loan sales, provides a diversified income stream.

OptimumBank's Q2 results significantly outperformed market expectations. The 169% year-over-year increase in EPS to $0.34 is likely to drive positive sentiment. The bank's growth rates in loans (12%) and deposits (19%) are well above industry averages, indicating market share gains.

The improvement in net interest margin to 3.79% is particularly noteworthy, as many banks are experiencing margin compression. This suggests OptimumBank has pricing power and a favorable deposit mix. The reduction in uninsured deposits from 44.1% to 27.4% addresses a key concern for bank investors post-regional bank crisis.

While the planned ATM offering may provide growth capital, it's important to monitor its impact on EPS. The bank's focus on operational efficiency, evidenced by the improving efficiency ratio despite 30% expense growth, should support continued profitability. Overall, these results are likely to be viewed very positively by the market.

Fort Lauderdale, FL, Aug. 06, 2024 (GLOBE NEWSWIRE) -- OptimumBank Holdings, Inc. (NASDAQ: OPHC) (“OptimumBank” or the “Company”) today reported strong financial performance for the second quarter of 2024. For the three months ended June 30, 2024, the Company achieved net income of $3.5 million, or $.36 per basic share and $0.34 per diluted share, compared to net income of $1.3 million, or $0.18 per basic and diluted share, for the same period in 2023. This reflects significant growth in both earnings and profitability year-over-year.

Key Financial Highlights:

Comparison of the Three-Month Periods Ended June 30, 2024, and 2023:

  • Net interest income for the second quarter of 2024 reached $8.7 million, a remarkable increase of 56% from $5.6 million in the second quarter of 2023, driven by a 54% rise in average interest-earning assets.
  • Net interest margin improved to 3.79%, up from 3.73% in the same quarter last year, illustrating enhanced yield on assets despite rising deposit costs.
  • Noninterest income surged to $1.2 million for the second quarter of 2024, up 56% from $772,000 for the second quarter of 2023. This growth was primarily attributed to increased service charges and a notable rise in other noninterest income.
  • Noninterest expenses increased by 30% to $5 million for the first quarter of 2024, driven by employee compensation and benefits, data processing, and other operating costs.

Asset and Deposit Growth:

  • Gross loans expanded to $761.1 million as of June 30, 2024, an 12% increase from December 31, 2023, reflecting robust business growth. The allowance for credit losses increased to $8.2 million or 1.08% of loans outstanding at June 30, 2024, compared to $7.7 million or 1.13% of loans outstanding at December 31, 2023.
  • Total deposits grew by 19% to $762.6 million. This increase was driven by a combination of higher noninterest-bearing demand deposits and an increase in time deposits.

Capital Position:

  • Tier 1 capital to total assets ratio was 9.68% as of June 30, 2024, compared to 10.00% at the end of 2023, reflecting a solid capital base supporting continued growth.

Chairman of the Board Commentary

Moishe Gubin, Chairman of OptimumBank Holdings, Inc., stated, “Our strong financial performance in the second quarter of 2024 underscores the noteworthy progress we have made. Achieving net income of $3.5 million, or $.34 per diluted share, is a testament to our strategic focus and operational excellence. Our net interest income surged by 56% year-over-year, driven by an increase in average interest-earning assets. This growth reflects our strategic lending activity and careful management of interest rates and asset yields.”

“Despite the rising deposit costs, our net interest margin improved to 3.79%, up from 3.73% in the same period last year, illustrating our ability to enhance yield on assets. Noninterest income also saw a significant increase of 56% from the previous second quarter of 2023, bolstered by higher service charges and other noninterest income. These gains highlight our diversified revenue streams and strong operational performance.”

“We have made appropriate strides in expanding our loan portfolio, which grew by 11.9% to $761.1 million as of June 30, 2024. Our deposit growth of 19.2% to $762.6 million, particularly the notable 90.1% rise in time deposits, underscores our solid market position and trust among our customers.”

“Our capital position remains strong, with a Tier 1 capital to total assets ratio of 9.68%, providing a solid foundation for continued growth. As we move forward, we are confident in our ability to sustain this momentum and deliver long-term value to our shareholders. Our strategic initiatives, coupled with the ongoing support from stakeholders position us well for future success. Our ATM offering (“at-the market offering”) will become effective in the next couple of weeks through our designated agent and will allow the Company to continuously sell shares in the open market to fund our growth.”

Chairman Gubin’s comments align with the company’s reported financial performance and strategic achievements, emphasizing growth, operational efficiency, and a strong market position.

Net Interest Income and Net Interest Margin

Comparison of the Three-Month Periods Ended June 30, 2024, and 2023

(Dollars in thousands)June 30, 2024June 30, 2023 % Change
Average interest
Earning assets
$923,822 $599,550 54.1%
Net interest income$8,742 $5,592 56.3%
Net interest margin 3.79% 3.73%6 bps


Net interest income for the second quarter of 2024 was $8.7 million, a 56.3% increase from $5.6 million in the second quarter of 2023. This growth was primarily driven by a rise in average interest-earning assets, which increased by 54.1% from the previous year, contributing to higher net interest income. The increase in net interest income was more than sufficient to offset the impact of higher interest-bearing deposit costs.

Compared to the first quarter of 2024, net interest income was 12.8% higher, reflecting changes in asset yields and deposit costs. The net interest margin for the second quarter of 2024 was 3.79%, up from 3.73% in the second quarter of 2023. This improvement was due to the growth in average interest-earning assets and more favorable yields, despite the rising costs of interest-bearing deposits.

Noninterest Income

Three Months and Six Months Ended June 30 2024, and 2023

(Dollars in thousands)Three Months Ended June 30, 2024Three Months Ended June 30, 2023Six Months Ended June 30, 2024Six Months Ended June 30, 2023
Service charges and fees$864$759$1,832$1,478
Other$ 337$ 13$ 608$ 23
Total noninterest income$1,201$772$2,440$1,501


Noninterest income for the second quarter of 2024 was $1.2 million, a 55.6% increase from $772,000 in the first quarter of 2024. The increase was primarily driven by higher service charges and fees, which rose to $864,000 from $759,000 in the previous quarter. Additionally, there was a significant increase in other noninterest income, which rose to $337,000 from $13,000 in the first quarter of 2024 from the sale of the guaranteed portion of U.S. Small Business Administration (“SBA”) SBA 7A loans.

Noninterest Expense

Three Months and Six Months Ended June 30 2024, and 2023

(Dollars in thousands)Three Months Ended June 30, 2024Three Months Ended June 30, 2023Six Months Ended June 30, 2024Six Months Ended June 30, 2023
Salaries and employee benefits$3,031$2,041$5,879$4,007
Professional fees$238$171$433$368
Occupancy and equipment$202$188$408$377
Data processing$575$385$1,129$751
Regulatory assessment$231$224$352$433
Litigation Settlement $375 $375
Other$807$518$1,591$1,013
Total noninterest expenses$5,084$3,902$9,792$7,324


Noninterest expense for the second quarter of 2024 was $5.1 million, an increase of 30.1% from $3.9 million in the first quarter of 2024. This change was mainly driven by an increase in employee compensation and benefits, data processing costs, and professional fees. There was no litigation settlement expense during 2024.

Compared to the second quarter of 2023, noninterest expenses increased by 30% to $5.1 million from $3.9 million. This rise was mainly due to higher data processing costs and an increase in other operating expenses, including a significant rise in salaries and employee benefits.

Deposits

Deposits Summary

Condensed Consolidated Balance Sheets

(Dollars in thousands)June 30, 2024December 31, 2023% Change June 30, 2024, vs. December 31, 2023
Total Deposits$762,646$639,58119.2%
Noninterest-bearing demand deposits$230,947$194,89218.5%
Savings, NOW, and money-market deposits$300,378$322,932-7.0%
Time deposits$231,321$121,75790.1%


Six Months Ended June 30 2024, and 2023

(Dollars in thousands)  2024  2023 % Change
Net Increase in Deposits$123,065$43,732181.2%


Interest Rates on Deposits

(Dollars in thousands)Three Months Ended June 30, 2024Three Months Ended June 30, 2023
Interest-bearing Deposits:  
Savings, NOW, and money-market deposits averages$325,734$129,890
Interest Expense on Savings, NOW, and money-market deposits$2,550$395
Time Deposits averages$258,325$229,376
Interest Expense on Time Deposits$3,369$2,161
Total Interest-bearing Deposits averages$634,535$369,596
Total Interest Expense on Deposits$5,919$2,556


Deposit Composition

(Percentage of Total Deposits) June 30, 2024 December 31, 2023
Uninsured Deposits to Total Deposits27.4%44.1%
Noninterest Deposits to Total Deposits30.3%30.5%


Total deposits were $762.6 million on June 30, 2024, up from $639.6 million on December 31, 2023, representing a 19.2% increase. This growth was driven by an 18.5% increase in noninterest-bearing demand deposits, which rose to $230.9 million from $194.9 million. Savings, NOW, and money-market deposits decreased by 7.0% to $300.4 million from $322.9 million. Time deposits saw a significant rise of 90.1%, reaching $231.3 million from $121.8 million. The net increase in deposits for the first half of 2024 was $123.1 million, up 181.2% compared to the $43.7 million increase in the same period in 2023. Interest-bearing deposits, comprising savings, NOW, money-market deposits, and time deposits, totaled $639.5 million, with an interest expense of $5.9 million for the three months ended June 30, 2024. Uninsured deposits made up 27.4% of total deposits on June 30, 2024, compared to 44.1% on December 31, 2023. Noninterest deposits accounted for 30.3% of total deposits, down from 30.5% at the end of 2023.

Capital

Capital Requirements to be Well Capitalized

DateTier 1 Capital to Total Assets%
June 30, 2024$92,1359.68%
December 31, 2023$74,99910.00%


As of June 30, 2024, the Tier 1 capital to total assets ratio was 9.68%, representing a Tier 1 capital amount of $92,135. This is a slight decrease from December 31, 2023, when the ratio was 10.00% with Tier 1 capital of $74,999.

About OptimumBank Holdings, Inc.

OptimumBank Holdings, Inc. operates as the bank holding company for OptimumBank that provides a range of consumer and commercial banking services to individuals and businesses.

The company accepts demand interest-bearing and noninterest-bearing savings, money market, NOW and time deposit accounts, as well as certificates of deposit; and offers residential and commercial real estate, commercial, and consumer loans, as well as lending lines for working capital needs. It also provides debit and ATM cards; investment, cash management, and notary and night depository services; and direct deposits, money orders, cashier’s checks, domestic collections, drive-in tellers, and banking by mail, as well as Internet banking services. In addition, the company engages in holding, managing, and disposal of foreclosed real estate. It operates through banking offices located in Broward County, Florida. OptimumBank Holdings, Inc. was founded in 2000 and is based in Fort Lauderdale, Florida.

Safe Harbor Statement:

This press release contains forward-looking statements that can be identified by terminology such as “believes,” “expects,” “potential,” “plans,” “suggests,” “may,” “should,” “could,” “intends,” or similar expressions. Many forward-looking statements involve known and unknown risks, uncertainties and other factors that may cause actual results to be materially different from any future results or implied by such statements. These factors include, but are not limited to, our limited operating history, managing our expected growth, risks associated with integration of acquired websites, possible inadvertent infringement of third-party intellectual property rights, our ability to effectively compete, our acquisition strategy, and a limited public market for our common stock, among other risks. OptimumBank Holdings, Inc.’s future results may also be impacted by other risk factors listed from time-to-time in its SEC filings. Many factors are difficult to predict accurately and are generally beyond the company’s control. Forward looking statements speak only as to the date they are made and OptimumBank Holdings, Inc. does not undertake to update forward-looking statements to reflect circumstances or events that occur after the date the forward-looking statements are made.

Investor Relations & Corporate Relations
Contact: Seth Denison
Telephone: (305) 401-4140 / SDenison@OptimumBank.com

Select Financial Data

Condensed Consolidated Balance Sheets

(Dollars in thousands, except share amounts)

  June 30,  December 31, 
  2024  2023 
   (Unaudited)   (audited) 
Assets:        
Cash and due from banks $11,923  $14,009 
Interest-bearing deposits with banks  92,133   62,654 
Total cash and cash equivalents  104,056   76,663 
Debt securities available for sale  23,540   24,355 
Debt securities held-to-maturity (fair value of $280 and $326)  315   360 
Loans, net of allowance for credit losses of $8,208 and $7,683  751,903   671,094 
Federal Home Loan Bank stock  2,691   3,354 
Premises and equipment, net  1,877   1,375 
Right-of-use lease assets  2,021   2,161 
Accrued interest receivable  2,994   2,474 
Deferred tax asset  3,024   2,903 
Other assets  7,357   6,515 
         
Total assets $899,778  $791,254 
Liabilities and Stockholders’ Equity:        
         
Liabilities:        
Noninterest-bearing demand deposits $230,947  $194,892 
Savings, NOW and money-market deposits  300,378   322,932 
Time deposits  231,321   121,757 
         
Total deposits  762,646   639,581 
         
Federal Home Loan Bank advances  45,000   62,000 
Federal Reserve Bank advances     13,600 
Operating lease liabilities  2,122   2,248 
Other liabilities  3,039   3,818 
         
Total liabilities  812,807   721,247 
         
Commitments and contingencies (Notes 8 and 11)        
Stockholders’ equity:        
Preferred stock, no par value 6,000,000 shares authorized:      
Series A Preferred, no par value, no shares issued and outstanding      
Series B Convertible Preferred, no par value, 1,520 shares authorized, 1,360 shares issued and outstanding      
Series C Convertible Preferred, no par value, 4,000,000 and 0 shares authorized, 525,641 and 0 shares issued and outstanding      
         
Common stock, $.01 par value; 30,000,000 shares authorized, 9,677,431 and 7,250,218 shares issued and outstanding  96   72 
Additional paid-in capital  102,424   91,221 
Accumulated deficit  (10,098)  (15,971)
Accumulated other comprehensive loss  (5,451)  (5,315)
         
Total stockholders’ equity  86,971   70,007 
Total liabilities and stockholders’ equity $899,778  $791,254 


Condensed Consolidated Statements of Earnings (Unaudited)
(in thousands, except per share amounts)

  Three Months Ended
  June 30,
  2024  2023
Interest income:       
        
        
Loans $12,948  $7,252
Debt securities  165   172
Other  2,075   755
        
Total interest income  15,188   8,179
        
Interest expense:       
Deposits  5,919   2,556
Borrowings  527   31
        
Total interest expense  6,446   2,587
        
Net interest income  8,742   5,592
        
Credit loss expense  195   704
        
Net interest income after credit loss expense  8,547   4,888
        
Noninterest income:       
Service charges and fees  864   759
Other  337   13
        
Total noninterest income  1,201   772
        
Noninterest expenses:       
Salaries and employee benefits  3,031   2,041
Professional fees  238   171
Occupancy and equipment  202   188
Data processing  575   385
Regulatory assessment  231   224
Litigation Settlement     375
Other  807   518
        
Total noninterest expenses  5,084   3,902
        
Net earnings before income taxes  4,664   1,758
        
Income taxes  1,168   446
        
Net earnings $3,496  $1,312
        
Net earnings per share - Basic $0.36  $0.18
Net earnings per share - Diluted  0.34  $0.18


Condensed Consolidated Statements of Comprehensive Income (Unaudited)
(In thousands)

  Three Months Ended
  June 30,
  2024  2023 
      
Net earnings $3,496  $1,312 
        
Other comprehensive income (loss):       
Change in unrealized loss on debt securities:       
Unrealized gain (loss) arising during the period  312   (380)
        
Amortization of unrealized loss on debt securities transferred to held-to-maturity  1   1 
        
Other comprehensive income (loss) before income taxes  313   (379)
        
Deferred income tax (provision) benefit  (67)  91 
        
Total other comprehensive income (loss)  246   (288)
        
Comprehensive income $3,742  $1,024 

FAQ

What was OptimumBank Holdings' (OPHC) net income for Q2 2024?

OptimumBank Holdings (OPHC) reported net income of $3.5 million for Q2 2024, or $0.34 per diluted share.

How much did OptimumBank's (OPHC) net interest income grow in Q2 2024 compared to Q2 2023?

OptimumBank's (OPHC) net interest income grew by 56% year-over-year, reaching $8.7 million in Q2 2024 compared to $5.6 million in Q2 2023.

What was OptimumBank's (OPHC) total deposit growth as of June 30, 2024?

OptimumBank's (OPHC) total deposits grew by 19% to $762.6 million as of June 30, 2024, compared to December 31, 2023.

How did OptimumBank's (OPHC) gross loans change in Q2 2024?

OptimumBank's (OPHC) gross loans expanded by 12% to $761.1 million as of June 30, 2024, compared to December 31, 2023.

What was OptimumBank's (OPHC) Tier 1 capital to total assets ratio as of June 30, 2024?

OptimumBank's (OPHC) Tier 1 capital to total assets ratio was 9.68% as of June 30, 2024.

OptimumBank Holdings, Inc.

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