OptimumBank $OPHC Chairman & CEO Moishe Gubin on Relationship Banking and 2026 Growth Catalysts

Why It Matters

If Optimum sustains earnings momentum and market recognition, potential inclusion by index funds and growing analyst coverage—one price target cited near $78—could materially boost the stock’s liquidity and valuation above book value. For investors, the bank’s relationship-focused franchise and management’s push for greater visibility are the primary catalysts to watch in 2026.

Summary

Optimum Bank Holdings CEO and chairman Moishe Gubin outlined the community- and relationship-driven model that distinguishes the NYSE American-listed bank, emphasizing long-standing, referral-based customer relationships and hands-on service. Gubin, who joined the board after a career building a healthcare REIT, said the bank is at its strongest in years and highlighted recent operational progress that helped the stock hit a 52-week high. Management is pushing growth and visibility initiatives into 2026, including outreach to analysts and investors and participation in investor conferences. He noted Optimum’s shares currently trade around book value despite solid performance and reiterated the company’s strategy to drive recognition and valuation expansion.

Original Description

In this interview, Moishe Gubin, Chairman and CEO of OptimumBank Holdings, Inc. (NYSE American: OPHC), shares insights into the company's history, approach, and future catalysts.

Chapters:

00:00 Introduction to OptimumBank and Moishe Gubin

01:41 The Unique Approach of OptimumBank

03:44 Moishe Gubin's Background and Journey

05:18 Value Catalysts for OptimumBank in 2026

06:12 Closing Remarks and Future Outlook

OptimumBank Holdings, Inc. will be presenting at the upcoming Planet MicroCap Las Vegas 2026 powered by MicroCapClub. Register to attend here: https://www.meetmax.com/sched/event_130817/conference_home.html

For more information about OptimumBank Holdings, Inc., please visit: https://optimumbankinvestors.com/index.php

The interview may contain forward looking statements about OptimumBank Holdings, Inc. See OptimumBank Holdings, Inc.'s periodic filings with the Securities and Exchange Commission for more complete information.

About OptimumBank Holdings, Inc.

OptimumBank Holdings, Inc. is the corporate parent company of OptimumBank, formed in 2004. OptimumBank was founded in 2000 in Ft. Lauderdale, Florida. Our customers found a bank that is strongly service oriented with reasonable fees, unseen at larger financial institutions. OptimumBank is committed to supporting economic development through responsible banking and community partnerships. OptimumBank's business and financial solutions include: Business Banking, Business Lending, SBA Lending Solutions, Treasury Management, and Personal Banking. The Company is traded on the NYSE American under the symbol "OPHC".

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