Is OptimumBank Holdings, Inc. OPHC stock halal to invest in?

No, as of August 2026, OptimumBank Holdings, Inc. stock (OPHC) is not currently classified as a Shariah compliant stock. This verdict follows the screening methodology of AAOIFI (the Accounting and Auditing Organization for Islamic Financial Institutions), whose Shariah Standard No. 21 is the leading global benchmark for screening halal stocks. To qualify as halal under this standard, a company must keep non-permissible income below 5% of total revenue, keep both interest-bearing investments and interest-bearing debt below 30% of market capitalisation, and have no impermissible preference share structure. OptimumBank Holdings, Inc. currently does not meet the threshold for the non-permissible income and interest-bearing debt screens. Because screenings are refreshed monthly as new financial reports are published, a non-compliant stock can regain compliant status if its financial structure changes. You can track the latest status of OptimumBank Holdings, Inc. and discover Shariah compliant alternatives among the halal stocks in the Tabadulat app.

How often is OptimumBank Holdings, Inc. OPHC reviewed for Shariah compliance?

Tabadulat reviews OptimumBank Holdings, Inc. OPHC for Shariah compliance every month. Each review applies the AAOIFI Shariah Standard No. 21 methodology, screening the company's business activities, non-permissible income, interest-bearing investments, interest-bearing debt, and preference shares, against the company's latest available financial data. The process operates under the direct supervision of Tabadulat's dedicated Shariah Supervisory Board of Islamic finance scholars. Because compliance depends on financial ratios that move with market capitalisation and reported results, a stock's status can change from one review to the next. Monthly screening ensures the status shown for OptimumBank Holdings, Inc. reflects current financial data rather than an outdated assessment, and Tabadulat app users are notified if a holding in their portfolio becomes non-compliant.

Does OptimumBank Holdings, Inc. OPHC pass the AAOIFI Non Permissible Income criteria?

No, as of August 2026, OptimumBank Holdings, Inc. stock (OPHC) does not pass the AAOIFI non-permissible income screen. Under AAOIFI Shariah Standard No. 21, income from impermissible sources (such as interest or riba, conventional financial services, alcohol, gambling, or tobacco) must remain below 5% of a company's total revenue. OptimumBank Holdings, Inc.'s income from non-permissible sources currently exceeds this 5% ceiling, which makes the stock non-compliant on this criterion regardless of how it performs on the other screens. The screen is reassessed monthly, so the status can change when the company releases new financial statements.

Does OptimumBank Holdings, Inc. OPHC pass the AAOIFI Interest Bearing Investments criteria?

Yes, as of August 2026, OptimumBank Holdings, Inc. stock (OPHC) passes the AAOIFI interest-bearing investments screen. Under AAOIFI Shariah Standard No. 21, the cash a company places in interest-earning instruments (such as conventional deposits, bonds, treasury bills and money-market funds) must remain below 30% of its market capitalisation. This limit ensures shareholders are not materially profiting from riba (interest). OptimumBank Holdings, Inc.'s interest-bearing investments are currently within the 30% threshold. Because the ratio is measured against market capitalisation, it can move with the share price as well as the balance sheet, which is why Tabadulat rescreens the stock every month.

Does OptimumBank Holdings, Inc. OPHC pass the AAOIFI Interest Bearing Debt criteria?

No, as of August 2026, OptimumBank Holdings, Inc. stock (OPHC) does not pass the AAOIFI interest-bearing debt screen. Under AAOIFI Shariah Standard No. 21, a company's borrowings that accrue interest (conventional bank loans, bonds and similar riba-based financing) must remain below 30% of its market capitalisation. OptimumBank Holdings, Inc.'s interest-bearing debt currently exceeds this 30% limit, meaning the company relies on riba-based financing beyond the level AAOIFI permits for a halal investment. A company can return to compliance by reducing debt or through changes in market capitalisation, and the screen is reassessed monthly.

What is the dividend purification factor for OptimumBank Holdings, Inc. OPHC stock?

OptimumBank Holdings, Inc. (OPHC) is currently classified as not Shariah compliant, so no dividend purification factor applies, because purification factors are calculated only for stocks that pass the AAOIFI screens. Purification (tazkiyah) is the practice of donating to charity the small portion of dividend income that stems from incidental non-permissible sources, such as interest earned on a compliant company's cash deposits. For non-compliant stocks the issue is not purification but eligibility: under AAOIFI Shariah Standard No. 21 the stock does not currently qualify as a halal investment. If OptimumBank Holdings, Inc. returns to compliance in a future monthly screening, its purification factor will be published alongside its updated status in the Tabadulat app.

Does OptimumBank Holdings, Inc. OPHC pass the AAOIFI Preference Share screen?

Yes, as of August 2026, OptimumBank Holdings, Inc. stock (OPHC) passes the AAOIFI preference share screen. AAOIFI Shariah Standard No. 21 prohibits investing in preference shares because they grant holders guaranteed or priority rights to dividends and capital ahead of ordinary shareholders, a structure that conflicts with the Shariah principle that investors should share profit and loss in proportion to their ownership. OptimumBank Holdings, Inc. has no impermissible preference share structure affecting its ordinary shares, so the stock is compliant on this criterion. Like all AAOIFI screens, this is verified in each monthly review.

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OptimumBank Holdings, Inc.

NYSE

Shariah-Compliant

Not Shariah

OPHC

About

OptimumBank Holdings, Inc.

OPHC

OptimumBank Holdings Inc. is a banking and financial services company primarily focused on providing a range of commercial and retail banking services in the United States. Serving consumers, small businesses, and commercial clientele, OptimumBank offers products such as personal and business checking accounts, savings accounts, certificates of deposit, and consumer and commercial loans. The bank also provides specialized services including mortgage lending, online banking, and treasury management, enabling seamless financial transactions and cash management solutions. Based in Fort Lauderdale, Florida, OptimumBank targets both local communities and broader markets, balancing traditional banking approaches with modern digital conveniences. This strategic positioning enables it to compete effectively in a dynamic banking environment, responding to changing consumer needs while contributing to regional economic growth. As part of the competitive banking sector, OptimumBank Holdings Inc. plays a key role in financial intermediation, supporting both individual and business financial health and contributing to the stability of the financial ecosystem.

Sector:

Financial Services

Industry:

Banks - Regional

Employees:

Website:

https://www.optimumbank.com

OPHC

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OptimumBank Holdings, Inc.

About

OptimumBank Holdings, Inc.

OPHC

Frequently asked questions

Is OptimumBank Holdings, Inc. OPHC stock halal to invest in?

How often is OptimumBank Holdings, Inc. OPHC reviewed for Shariah compliance?

Does OptimumBank Holdings, Inc. OPHC pass the AAOIFI Non Permissible Income criteria?

Does OptimumBank Holdings, Inc. OPHC pass the AAOIFI Interest Bearing Investments criteria?

Does OptimumBank Holdings, Inc. OPHC pass the AAOIFI Interest Bearing Debt criteria?

What is the dividend purification factor for OptimumBank Holdings, Inc. OPHC stock?

Does OptimumBank Holdings, Inc. OPHC pass the AAOIFI Preference Share screen?

Can I buy OptimumBank (OPHC) stock on Tabadulat?

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