OPHC (OptimumBank Holdings) Gross Loan: $1,217.08 Mil (As of Jun. 2026)

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OPHC OptimumBank Holdings Inc OPHC
41 GF Score
Price $9.14
GF Value $3.72
Valuation Significantly Overvalued
! 6 Warning Signs
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What is OptimumBank Holdings Gross Loan?

OptimumBank Holdings OPHC +2.01% 41 Gross Loan is $1,217.08 Mil as of Jun. 2026. GuruFocus rates OPHC with a GF Score™ of 41/100 and a GF Value™ of $3.72 (Significantly Overvalued). The stock has 6 warning signs investors should review.

OptimumBank Holdings's Gross Loan for the quarter that ended in Jun. 2026 was $1,217.08 Mil.

OptimumBank Holdings's quarterly Gross Loan increased from Dec. 2025 ($958.79 Mil) to Mar. 2026 ($1,090.89 Mil) and increased from Mar. 2026 ($1,090.89 Mil) to Jun. 2026 ($1,217.08 Mil).

OptimumBank Holdings's annual Gross Loan increased from Dec. 2023 ($680.07 Mil) to Dec. 2024 ($804.24 Mil) and increased from Dec. 2024 ($804.24 Mil) to Dec. 2025 ($958.79 Mil).

OptimumBank Holdings Gross Loan Related Terms

OptimumBank Holdings Gross Loan Historical Data

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The historical data trend for OptimumBank Holdings's Gross Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

OptimumBank Holdings Gross Loan Chart

OptimumBank Holdings Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Gross Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 251.40 483.38 680.07 804.24 958.79

OptimumBank Holdings Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Gross Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 784.56 813.72 958.79 1,090.89 1,217.08
OPHC
41GF Score
OptimumBank Holdings Inc OPHC
Gross Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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OptimumBank Holdings Gross Loan Calculation

Gross Loan represents the sum of all loans (commercial, consumer, mortgage, etc.) as well as leases before any provisions for loan losses or unearned discounts.

Frequently Asked Questions Learn more about Gross Loan →
What does a Gross Loan of $1,217.08 Mil mean?
OptimumBank Holdings (OPHC) has a Gross Loan of $1,217.08 Mil as of Jun. 2026. Gross Loan is the sum of all loans as well as leases before any provisions for loan losses or unearned discounts. View historical data on OptimumBank Holdings and its competitors.
Is OptimumBank Holdings' Gross Loan too high?
OptimumBank Holdings' current Gross Loan is $1,217.08 Mil. Overall, OptimumBank Holdings has a GF Score™ of 41/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does OptimumBank Holdings' Gross Loan compare to BORT and UNIB?
OptimumBank Holdings' Gross Loan of $1,217.08 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Gross Loan for a Banks company?
A good Gross Loan depends on the Banks industry context. However, Gross Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Gross Loan mean?
A high Gross Loan can signal that a stock is expensive relative to its fundamentals. Gross Loan is the sum of all loans as well as leases before any provisions for loan losses or unearned discounts. View historical data on OptimumBank Holdings and its competitors. OptimumBank Holdings's current Gross Loan is $1,217.08 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is OptimumBank Holdings stock overvalued right now?
Based on GuruFocus' analysis, OptimumBank Holdings (OPHC) is currently considered Significantly Overvalued. The stock's GF Value™ is $3.72, compared to a current price of $9.14 — trading 145.7% above its estimated fair value. The current Gross Loan is $1,217.08 Mil. OptimumBank Holdings' overall GF Score™ is 41/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Gross Loan calculated?
Gross Loan is calculated from a company's financial statements. For OptimumBank Holdings (OPHC), the current Gross Loan is $1,217.08 Mil as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is OptimumBank Holdings (OPHC) Overvalued in 2026?

Based on GuruFocus' analysis, OptimumBank Holdings stock appears to be overvalued. The current stock price of $9.14 is trading 145.7% above its estimated GF Value™ of $3.72. GuruFocus considers OptimumBank Holdings to be Significantly Overvalued.

Key valuation signals for OPHC:

  • Gross Loan: $1,217.08 Mil
  • GF Value™: $3.72 vs. price of $9.14 (145.7% above fair value)
  • GF Score™: 41/100 with 6 warning signs

No single metric tells the full story. See the OPHC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

OptimumBank Holdings Business Description

Address 2929 East Commercial Boulevard, Suite 303, Fort Lauderdale, FL, USA, 33308
OptimumBank Holdings Inc serves as a bank holding company for OptimumBank. The Bank provides community banking services to individuals and corporate customers. The services provided by the bank include demand interest-bearing and non-interest-bearing accounts, negotiable order of withdrawal accounts, borrowings, repayment of loans, money market deposit accounts, debit cards, automated teller machines, and other bank related services.
41GF Score

Get the complete analysis for OPHC

Gross Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$9.14
Price
$3.72
GF Value