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OptimumBank Holdings, Inc. OPHC FINANCIAL

Financial Services · Banks - Regional · United States
https://www.optimumbank.com
Company Profile ↓
$8.96
+107.41% 1Y
Mkt Cap$113.17M
P/E10.30
P/B1.65
52W High$10.10
52W Low$3.91
Book Value$5.65
EPS (TTM)$0.87

Company Overview

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.

Why Investors Should Care

Strong Return on Equity

Generates a return on equity of 16.7%, reflecting efficient use of shareholder capital.

Steady Revenue Expansion

Revenue has grown at a 38.0% CAGR over the past five years.

Reasonable Valuation

Trades at a P/E of 10.3, below the sector median of 12.9.

Healthy Margins

Maintains a net profit margin of 36.0%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Dec 2025 Revenue of $49.36M (+25.6% YoY); net profit $16.65M.
  • Trailing 12 Months Year-on-year growth — revenue +56.0%, earnings -8.7%.
  • 5-Year Trend Long-term compounding — revenue CAGR 38.0%.

Growth & Price Performance

Compounded Sales Growth

5 Years:37.97%
1 Year:56.00%

Compounded Profit Growth

5 Years:-
1 Year:-8.70%

Stock Price Performance

1 Year:+107.41%
6 Months:+79.92%
3 Months:+62.61%
1 Month:-1.65%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 82% of range
$3.91 $10.10
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)55.04 · Neutral
Price Performance
1M-1.65%
3M+62.61%
6M+79.92%
1Y+107.41%
Valuation vs Sector

P/E of 10.30 is below the sector median of 12.89 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 36.0%.
  • Compounding revenue at 38.0% over 5 years.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
10.30
Industry PE
12.89
Forward P/E
6.64
PEG Ratio
1.03
Book Value
$5.65
Price to Book
1.65
P/S
2.07
EV/EBITDA
-
Dividend Yield
0.00%

Growth (CAGR)

Revenue 5Y
37.97%
Profit 5Y
-
Revenue (YoY)
56.00%
Earnings (YoY)
-8.70%

Profitability & Returns

ROCE
-
ROE
16.68%
ROA
1.71%
Profit Margin
36.02%
Op Margin
52.46%
Gross Margin
0.00%
EPS (Latest Qtr)
$0.28
EPS (TTM)
$0.87

Balance Sheet & Liquidity

Debt/Equity
0.43
Quick Ratio
-
Current Ratio
-
Debt
$41.55M
Total Assets
$1.40B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
17.98%
Chg in Prom Hold
-0.41%
FII / Inst Holding
18.75%
Chg in FII Hold
4.96%

Financial Snapshot

Enterprise Value
$113.17M
Total Revenue (TTM)
$56.89M
EBITDA
-
Free Cash Flow
$16.95M
Operating Cash Flow
$26.70M
Shares Outstanding
12.63M
Gross Margin
0.00%
Payout Ratio
0.00%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 OPHC OptimumBank Holdings, Inc. FINANCIAL 8.96 10.30 $113.17M 0.00% - 16.68% 37.97% -
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 353.51 15.15 $939.70B 1.72% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 505.83 12.72 $712.23B 0.00% - 12.12% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 368.64 31.35 $628.20B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 570.89 31.44 $496.37B 0.62% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPXR3KFINANCIAL 62.39 14.41 $436.28B 2.04% - 11.20% 3.14% 4.27%
7 BRK-A Berkshire Hathaway Inc. FINANCIAL 757,791.00 12.71 $370.14B 0.00% - 12.12% 7.60% 10.02%
8 HSBC HSBC Holdings plc FINANCIAL 106.26 15.18 $363.70B 3.65% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 216.24 17.48 $339.62B 2.26% - 17.97% 3.76% 9.66%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Mar 2014Jun 2014Sep 2014Mar 2015Jun 2015Sep 2015Mar 2016Jun 2016Sep 2016Mar 2017Jun 2017Sep 2017Mar 2018Jun 2018Sep 2018Mar 2019Jun 2019Sep 2019Mar 2020Jun 2020Sep 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue ----------------------------------10.66M12.08M13.03M13.60M14.98M-
Cost of Revenue ----------------------------------------
Gross Profit ----------------------------------------
Operating Expenses ----------------------------------------
Operating Income ----------------------------------------
EBITDA ----------------------------------------
Interest Expense ----------------------------------5.58M5.35M5.27M5.57M6.26M-
Pretax Income ----------------------------------5.20M4.86M5.66M6.46M6.20M-
Tax Provision ----------------------------------1.33M1.25M1.34M1.60M1.53M-
Net Income 330.00K1.34M-79.00K-182.00K6.00K46.00K-276.00K-54.00K22.00K-283.00K-168.00K-56.00K-285.00K-202.00K-202.00K-146.00K-430.00K-280.00K-308.00K-347.00K-496.00K348.00K444.00K917.00K855.00K945.00K673.00K1.15M1.31M1.27M2.38M3.50M3.30M-3.87M3.60M4.32M4.85M4.66M-
Diluted EPS 0.04--0.01-0.19---0.29---0.26---0.24------------0.160.110.160.180.180.310.340.15--0.290.180.210.200.28

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue ------------18.80M27.16M39.31M49.36M
Cost of Revenue ----------------
Gross Profit ----------------
Operating Expenses ----------------
Operating Income ----------------
EBITDA ----------------
Interest Expense ------------4.05M12.07M24.94M21.77M
Pretax Income ------------5.39M8.46M17.63M22.17M
Tax Provision ------------1.37M2.17M4.51M5.52M
Net Income -8.45M-3.75M-4.70M-7.08M1.60M-163.00K-396.00K-589.00K796.00K-1.10M-782.00K-4.02M6.28M13.12M16.65M
Diluted EPS -10.32-0.82-0.69-0.891.85-0.17-0.38-0.53----0.680.871.330.71

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Sep 2012Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets -190.31M154.47M-143.74M128.78M124.53M127.48M119.70M95.87M99.45M126.75M235.11M-585.22M791.25M932.93M1.11B
Current Assets ------------------
Cash & Equivalents 36.78M14.37M22.78M-23.61M---------71.84M76.66M93.63M114.56M
Inventory ------------------
Receivables --------------1.44M2.47M3.35M3.62M
Total Liabilities -187.47M147.69M-136.83M129.00M121.55M124.51M116.62M93.32M94.14M119.54M217.28M-522.64M721.25M829.75M989.78M
Current Liabilities ------------------
Long Term Debt -------------18.00M10.00M62.00M50.00M-
Total Debt --------------12.17M64.25M52.77M52.74M
Total Equity 11.29M2.83M6.79M6.91M6.91M-216.00K2.98M2.97M3.08M2.54M5.31M7.21M17.83M-62.58M70.01M103.18M121.90M
Shares Outstanding --------------7.06M7.25M11.64M11.53M

Cash Flows (Annual)

Figures in USD.

Metric Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 1.68M-885.00K-2.66M-2.97M1.30M--570.00K24.00K-558.00K-1.46M-10.36M6.88M15.61M17.84M
Investing Cash Flow 50.99M41.24M10.26M1.14M2.78M--17.48M-6.02M-25.32M-62.77M--229.80M-199.66M-125.47M-156.68M
Financing Cash Flow -75.08M-31.95M-6.76M-7.90M-5.89M---24.02M2.31M26.83M109.93M-232.31M197.61M126.83M159.77M
Capital Expenditure -13.00K--343.00K-171.00K-133.00K-24.00K-101.00K-94.00K-234.00K-509.00K-200.00K--322.00K-668.00K-988.00K-896.00K
Free Cash Flow 1.67M--3.01M-3.14M1.17M--476.00K-210.00K-1.07M-1.66M-10.04M6.21M14.62M16.95M
Net Change in Cash ------------12.87M4.83M16.97M20.93M

Ratios (Annual)

Figures in %.

Metric Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % ----------------
Operating Margin % ----------------
Net Margin % ------------21.4%23.1%33.4%33.7%
ROE % -298.2%-55.2%-68.0%3,275.5%53.9%-5.5%-12.9%-23.1%15.0%-15.3%-4.4%-6.4%9.0%12.7%13.7%
ROCE % ----------------

Shareholding Pattern

Insiders
17.98%
Institutions
18.75%
Public Float
22.86%

Top Institutional Holders

#Holder% HeldSharesValue
1 Alliancebernstein L.P. 6.11% 616.17K $5.75M
2 Wellington Management Group, LLP 4.28% 431.63K $4.03M
3 Vanguard Capital Management LLC 4.03% 406.48K $3.79M
4 Renaissance Technologies, LLC 1.54% 155.05K $1.45M
5 Geode Capital Management, LLC 1.07% 107.84K $1.01M
6 Morgan Stanley 0.99% 100.00K $933.02K
7 Mink Brook Asset Management LLC 0.78% 78.55K $732.89K
8 Dimensional Fund Advisors LP 0.77% 77.66K $724.59K
9 Sparta 24 Ltd. 0.73% 73.44K $685.22K
10 Vanguard Fiduciary Trust Co 0.61% 61.24K $571.41K

Analyst View

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Latest News

Recent headlines for OPHC

Google News Wed, 29 Jul 2026

Here's Why Momentum in OptimumBank (OPHC) Should Keep going - finance.yahoo.com

<a href="https://news.google.com/rss/articles/CBMiogFBVV95cUxQVzZYUUJ5U1JkTzZUNEk0T2VOVzNMclU2MDRFQjhMa05mZWZaNTMtU0tfN21Vc0pISUdVakREd3dtN3NJdkUwV0ZORmxGMFktTmkxcjRTRmZibFpaZkhtOHZCMWJPZHRVX2FoVlBjdzZLR0tNNTVTUkh3ZGNRcG55dm5mZnpDYU1SekV2bT…

Google News Mon, 07 Sep 2026

(OPHC) Volatility Zones as Tactical Triggers - Stock Traders Daily

<a href="https://news.google.com/rss/articles/CBMivwFBVV95cUxQc2lkR3BkVTloUXpodHNGU291aUVqRGpmUEh4ZjRNTENHVUp3MHF4Mlg5MmFvOW9xVDNGYzVOMkw4cjBaakcyLTg4d2t5ZzhXNXVmc3RZbDhLUGVSZ2RvWHoyel81NVVaVk9JZ0RSa1BfckhncFhVYnN3SVY3RWJWSVF4eXZWSUsxN2NUUl…

Google News Wed, 19 Aug 2026

OptimumBank (NASDAQ: OPHC) sells 7.5% notes due 2036 in private deal - Stock Titan

<a href="https://news.google.com/rss/articles/CBMitAFBVV95cUxQNS1jWHZWNjRkbERnbTFpM2NTZ0pwTXZ0QlZhWU5VTVl5SUNDc1ItWXEwMlZZbTB0dUFTMHNMODl1QnNKSzkzOVlMcGFyZVZWbGtJa2xBX1BQUEdjd282blhieEh0QnV2elVIblZuVlBUNmhGMTFzMl9FeGxjOGN2dkFHNFNyRmhKSDFXNV…

Google News Fri, 07 Aug 2026

OptimumBank Holdings Stock: The Opportunity Does Not Come Without Risk (NYSE:OPHC) - Seeking Alpha

<a href="https://news.google.com/rss/articles/CBMipwFBVV95cUxNeDFCR25MVUNBTndDX1Vka3dCZFNDN0JkdU1QTG9aZ1E5RnlNLWhQWjNNb2dsTk0wX29qNFpxRlF1c2dZVVhuZHFhbERseUZDLVhtb0FjVG9SdHRfVG16TTVJd0JrWUlZOVBJZWd1NlpqUl9TZFI0WXhPWDJuY3h0YmVRcFJvYnFXTksyR3…

Google News Fri, 24 Jul 2026

OptimumBank Holdings, Inc. (OPHC) Q2 Earnings and Revenues Surpass Estimates - finance.yahoo.com

<a href="https://news.google.com/rss/articles/CBMingFBVV95cUxNUl9lNVd3b3AzTXFrUVludE1JcGZ6d3laRWgyXzV0c1hTbFVIQ3FpbFo0UzNiWjRUVzZ5Ri1yZTdfVUJ0WlUza3lQQTJOLWJGRjNKSHRSZWJqUkFWQ3dla24wc0xMZ2pUZFV5VHRhU2FKblM4WlJ6OE9ZWTJzVFBWV0ZmdzdMMUJ0akdiOF…

Google News Mon, 27 Apr 2026

OptimumBank Holdings, Inc. Reports Best Year in Company History; To Present Shareholder Deck Highlighting 21%+ Core ROAE at April 28, 2026 Annual Meeting - TMX Newsfile

<a href="https://news.google.com/rss/articles/CBMinAJBVV95cUxPV2I0VzFUQW9ScmRUSzdRWGc4R3NrTDNBcVVuTUZPT3lRRjhIRHZrMTQxa250aU1pYmhtMk5YeU1XNThiaU0wYlplc2JHMVBZajd2MGhZT3NVX1JSMkYwcGNhNTFjbXBoLUJYcUdzUVBNcFlMZzlUMG5XLU4yS21LcDFXS0ZULWtoSUdlbk…

OPHC — Frequently Asked Questions

What is the current share price of OptimumBank Holdings, Inc. (OPHC)?

As of 2026-09-19 21:16 PDT, OptimumBank Holdings, Inc. (OPHC) trades at $8.96 on NYSE American. Its 52-week range is $3.91 to $10.10.

What is the market capitalisation of OPHC?

OptimumBank Holdings, Inc. (OPHC) has a market capitalisation of $113.17M on NYSE American.

What is the P/E ratio of OPHC?

OPHC trades at a trailing price-to-earnings (P/E) ratio of 10.30. The industry average P/E is 12.89. Its price-to-book (P/B) ratio is 1.65.

What is the return on equity (ROE) of OPHC?

OPHC has a return on equity (ROE) of 16.68%.

Is OPHC a good stock to buy?

This page provides a data-driven analysis of OptimumBank Holdings, Inc. (OPHC), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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