Optimumbank Holdings (OPHC)
:OPHC
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OPHC Stock Chart & Stats
$5.26
$0.02(0.43%)
At close: 4:00 PM EST
$5.26
$0.02(0.43%)
Day’s Range― - ―
52-Week Range$3.91 - $5.75
Previous CloseN/A
Volume17.50K
Average Volume (3M)12.23K
Market Cap
$67.72M
Enterprise Value-$29.89M
Total Cash (Recent Filing)$140.02M
Total Debt (Recent Filing)$42.65M
Price to Earnings (P/E)3.9
Beta0.59
Next Earnings
Aug 11, 2026EPS Estimate
0.21Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)1.48
Shares Outstanding12,268,363
10 Day Avg. Volume10,619
30 Day Avg. Volume12,234
Financial Highlights & Ratios
PEG Ratio1.39
Price to Book (P/B)0.41
Price to Sales (P/S)0.70
P/FCF Ratio2.95
Enterprise Value/Market Cap-0.44
Enterprise Value/Revenue-0.39
Enterprise Value/Gross Profit-0.59
Enterprise Value/Ebitda-1.24
Forecast
1Y Price Target
$7.17Price Target Upside36.25% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering3
EPS Forecast (FY)0.82
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Strong Cash GenerationSustained growth in operating and free cash flow that tracks reported earnings indicates high earnings quality and internal funding capacity. This durable cash generation supports reinvestment, loan growth, capital buffers and flexibility for dividends or buybacks without relying on volatile external funding.
Improved Leverage And CapitalA materially lower leverage profile and steady equity growth reduce insolvency risk and increase resilience to credit stress or higher funding costs. Strengthened capital ratios and improved ROE provide a firmer foundation for sustainable lending and regulatory flexibility over the medium term.
Diversification Via HUD/FHA PlatformCreating an OptimumFunding subsidiary to originate insured HUD/FHA loans diversifies revenue beyond traditional CRE and consumer lending. Government-insured products can lower credit risk per loan and open national origination channels, supporting durable fee income and reduced concentration in core markets.
Bears Say
Prior Rapid Balance-sheet GrowthRapid historical asset expansion can mask immature underwriting cycles and increase exposure to cyclical credit deterioration. If economic or real estate downturns occur, prior fast growth may lead to higher provisioning needs, weaker earnings and tighter capital cushions over multiple quarters.
Growth NormalizationA reversion from prior surge-level growth to a more normalized trajectory suggests limited near-term upside in organic revenue expansion. With margins only slightly below last year, sustained earnings improvement will likely rely on successful execution of diversification and cost control rather than extrapolation of past rapid growth.
Execution & Risk-management ComplexityLeadership changes, capital-structure amendments and new lending verticals introduce integration and oversight demands. Successful scaling of HUD/FHA origination and other initiatives requires tightened controls and experienced execution; missteps could raise costs, credit mistakes or regulatory scrutiny over the medium term.
Optimumbank Holdings News
OPHC FAQ
What was Optimumbank Holdings’s price range in the past 12 months?
Optimumbank Holdings lowest stock price was $3.91 and its highest was $5.75 in the past 12 months.
What is Optimumbank Holdings’s market cap?
Optimumbank Holdings’s market cap is $67.72M.
When is Optimumbank Holdings’s upcoming earnings report date?
Optimumbank Holdings’s upcoming earnings report date is Aug 11, 2026 which is in 55 days.
How were Optimumbank Holdings’s earnings last quarter?
Optimumbank Holdings released its earnings results on Apr 24, 2026. The company reported $0.2 earnings per share for the quarter, beating the consensus estimate of $0.193 by $0.007.
Is Optimumbank Holdings overvalued?
According to Wall Street analysts Optimumbank Holdings’s price is currently Undervalued.
Does Optimumbank Holdings pay dividends?
Optimumbank Holdings does not currently pay dividends.
What is Optimumbank Holdings’s EPS estimate?
Optimumbank Holdings’s EPS estimate is 0.21.
How many shares outstanding does Optimumbank Holdings have?
Optimumbank Holdings has 12,268,363 shares outstanding.
What happened to Optimumbank Holdings’s price movement after its last earnings report?
Optimumbank Holdings reported an EPS of $0.2 in its last earnings report, beating expectations of $0.193. Following the earnings report the stock price went up 1.657%.
Which hedge fund is a major shareholder of Optimumbank Holdings?
Currently, no hedge funds are holding shares in OPHC
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Optimumbank Holdings Stock Smart Score
Neutral
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Analyst Consensus
Strong Buy
Average Price Target:
$7.17 (36.25% Upside)
$7.17 (36.25% Upside)
Hedge Fund Trend
Decreased
By 256.4K Shares
Last Quarter.
Last Quarter.
Technicals
SMA
Negative
20 days / 200 days
Momentum
-13.38%
12-Months-Change
Fundamentals
Return on Equity
14.63%
Trailing 12-Months
Asset Growth
29.80%
Trailing 12-Months
Company Description
Optimumbank Holdings
OptimumBank Holdings, Inc. operates as the parent entity for OptimumBank, delivering a comprehensive range of financial solutions to both individual customers and corporate clients. The institution offers diverse deposit options, including various interest-bearing and non-interest-bearing checking accounts, savings accounts, money market accounts, NOW accounts, time deposits, and certificates of deposit. For its lending activities, OptimumBank extends financing for residential, commercial, and multi-family real estate, general commercial purposes, land acquisition and construction, and consumer needs, in addition to providing lines of credit for working capital. Further services include debit and ATM cards, investment advisory, cash management, notary public services, and night depository facilities. Clients can also utilize direct deposits, money orders, cashier's checks, domestic collections, banking by mail, and extensive internet banking capabilities. Founded in 2000, the company maintains its headquarters in Fort Lauderdale, Florida, and conducts operations through two banking offices located in Broward County.
OPHC Stock 12 Month Forecast
Average Price Target
$7.17
▲(36.25% Upside)
Technical Analysis
Ameriserv Financial
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Home Federal Bancorp Of Louisiana
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BayFirst Financial Corp
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Texas Community
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Ownership Overview
9.27% Insiders
4.07% Mutual Funds
― Other Institutional Investors
83.50% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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