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OPHC Dividend Calculator 2026
No dividendFinancial ServicesOptimumBank Holdings, Inc. · AMEX
Price: $8.55 · Annual div: None · Frequency: — · Payout ratio: N/A · Ex-div: —
Calculator settings
OPHC is not a dividend-focused stock
OPHC pays a very low or no dividend (Yield: 0.00%). This calculator is designed for income-producing assets. If your goal is passive income and compounding, you might want to look at these popular alternatives:
Portfolio growth: DRIP vs No DRIP
Annual dividend income growth
OPHC Dividend Yield
OptimumBank Holdings, Inc. (OPHC) does not currently pay a regular dividend in our data, so its dividend yield is 0%.
💡 What-if scenarios
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🎯 When OPHC pays your bills
Year your monthly dividend income covers each expense (based on current settings)
About OptimumBank Holdings, Inc. (OPHC) — Dividend Analysis 2026
OptimumBank Holdings, Inc. operates as the bank holding company for OptimumBank, which provides various consumer and commercial banking services to individuals and businesses. The company accepts interest-bearing and noninterest-bearing, savings, money market, and NOW accounts, as well as time deposits, wire transfers, ACH services, and certificates of deposit. It also offers multi-family real estate, residential and commercial real estate, and land and construction loans; commercial loans for working capital purposes or acquiring equipment, inventory, and furniture; and consumer loans for various purposes, including purchases of automobiles, recreational vehicles, boats, home improvements, lines of credit, personal, and deposit account collateralized loans. In addition, the company provides debit and ATM cards; cash management, notary, and night depository services; and direct deposits, money orders, cashier's checks, domestic collections, and banking by mail. OptimumBank Holdings, Inc. was founded in 2000 and is headquartered in Fort Lauderdale, Florida.
OPHC Dividend & DRIP — Frequently Asked Questions
Does OPHC pay a dividend?
No. OptimumBank Holdings, Inc. (OPHC) has not paid a regular dividend in the last 12 months in our data, so its dividend yield is 0% and it produces no dividend income.
How can I get dividend income instead of OPHC?
Dividend ETFs such as SCHD, VYM or JEPI pay regular income. Open their DRIP calculators to see what $10,000 would earn per month and how reinvesting grows it.
Does OPHC have a DRIP (dividend reinvestment plan)?
A DRIP reinvests dividends into new shares. OPHC has no regular dividend in our data, so there is nothing to reinvest.
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Forward dividend yield from the latest data · open any DRIP calculator
This calculation uses the DividendFlow Engine v6.0. Data is verified daily against SEC filings and FMP real-time feeds to ensure projection accuracy.
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🌍 OPHC Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold OPHC.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 0.00% | -2.80% | $0 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 0.00% | -2.80% | $0 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 0.00% | -2.80% | $0 / yr |
| 🇬🇧 UK ISA | 0% | 0.00% | -2.80% | $0 / yr |
| 🇬🇧 UK Taxable | 8.75% | 0.00% | -2.80% | $0 / yr |
| 🇨🇦 TFSA | 0% | 0.00% | -2.80% | $0 / yr |
| 🇨🇦 CA Taxable | 25% | 0.00% | -2.80% | $0 / yr |
| 🇦🇺 Super (pension) | 15% | 0.00% | -2.80% | $0 / yr |
| 🇦🇺 AU Taxable | 30% | 0.00% | -2.80% | $0 / yr |
| 🇩🇪 DE Taxable | 26.375% | 0.00% | -2.80% | $0 / yr |
| 🇫🇷 FR Taxable | 30% | 0.00% | -2.80% | $0 / yr |
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
🎯 OPHC Income Goal & Break-Even
12-month CPI (US BLS via FMP economic-indicators).
No dividend data available for this ticker.
Based on current dividend of $0.00/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 OPHC Dividend Payment Schedule
OPHC pays quarterly — 4 times per year. Ex-div: —.
📊 OPHC vs Financial Services Benchmarks
How OPHC compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for OPHC sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ OPHC Insider Activity
When executives buy their own stock, it's a signal they believe in the dividend's sustainability.
| Insider | Title | Type | Date | Shares | Price | Total Value |
|---|---|---|---|---|---|---|
| Sale | 2026-02-02 | 39,304 | $4.73 | $185.9K | ||
| J-Other | 2026-01-27 | 531,178 | — | — | ||
| J-Other | 2026-01-27 | 65 | — | — | ||
| Buy | 2025-12-04 | 7,600 | $4.09 | $31.1K | ||
| Sale | 2025-12-04 | 7,600 | $4.09 | $31.1K | ||
| Buy | 2025-06-11 | 264 | $4.53 | $1.2K | ||
| Buy | 2025-06-10 | 300 | $4.55 | $1.4K | ||
| Buy | 2025-06-09 | 700 | $4.53 | $3.2K | ||
| Sale | 2024-07-16 | 1,000 | $4.48 | $4.5K | ||
| Sale | 2023-06-05 | 500 | $3.05 | $1.5K |
Insider transactions sourced from SEC Form 4 filings via Financial Modeling Prep. See disclaimer.
Analyst Price Target
Wall Street consensusAnalyst consensus price target via FMP. Not a guarantee of future performance. Past analyst accuracy varies.
Peer Group
Similar companies in the same sectorCompare OPHC with peers: OPHC vs ASRV · OPHC vs BAFN · OPHC vs CLST
Financial Health Scores
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the OPHC dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →
OptimumBank Holdings, Inc. (OPHC) is currently trading at $8.55, 20% below its 52-week high. It does not currently pay a regular dividend.
Does OPHC Pay a Dividend? OptimumBank Holdings, Inc. Dividend Status
OptimumBank Holdings, Inc. (OPHC) is a financial services stock trading at $8.55. It does not currently pay a regular dividend in our data, so it produces no dividend income and DRIP reinvestment does not apply. Investors seeking income often look at dividend ETFs such as SCHD, VYM or JEPI instead.
- Without a dividend, returns depend entirely on the share price.
Auto-generated from live market data. For educational purposes only — not financial advice.
Latest OPHC News
LiveNews aggregated from public sources via Finnhub & RSS. For informational purposes only.
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