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Optimumbank Holdings (OPHC)
XASE:OPHC
OPHC Stock Chart & Stats
$4.32
$0.02(0.43%)
At close: 4:00 PM EST
$4.32
$0.02(0.43%)
Day’s Range― - ―
52-Week Range$3.53 - $5.59
Previous CloseN/A
Volume17.50K
Average Volume (3M)12.23K
Market Cap
$65.70M
Enterprise Value$56.26M
Total Cash (Recent Filing)$34.53M
Total Debt (Recent Filing)$2.75M
Price to Earnings (P/E)3.0
Beta0.59
Next Earnings
May 12, 2026EPS Estimate
0.2Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.21
Shares Outstanding12,166,437
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)0.78
P/FCF Ratio2.80
Enterprise Value/Market Cap0.86
Enterprise Value/Revenue0.76
Enterprise Value/Gross Profit0.84
Enterprise Value/Ebitda61.48
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)0.86
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Improving ProfitabilityOptimumBank moved from losses in 2020 to materially higher net margins (roughly 16%–26% in 2022–2025) with net income up to $16.6M in 2025. This sustained earnings improvement strengthens internal capital, supports dividend/capex flexibility, and underpins durable credit capacity.
De‑risked Balance SheetA materially lower debt load and very low leverage in 2025 reduce funding and solvency risk, improving resilience to rate or credit shocks. A larger equity base gives headroom for lending growth and regulatory ratios, supporting sustainable expansion over the medium term.
Strategic HUD/FHA Lending ExpansionCreating OptimumFunding to originate bridge-to-HUD and FHA/HUD-insured loans leverages bank expertise in healthcare and multifamily finance. This structural product expansion diversifies revenue, deepens client relationships, and creates a durable origination-to-servicing franchise in regulated, government‑insured lending.
Bears Say
2025 Revenue DeclineRevenue contraction in 2025 (-6.3%) contrasts with rising net income, suggesting reliance on margin or one-off items. A falling top line can limit sustainable growth, compress future operating leverage, and complicate long-range forecasting of core banking revenues and fee streams.
Reporting InconsistenciesInconsistent or incomplete 2025 income statement figures reduce transparency, making it harder to validate margin trends and cash conversion. That uncertainty raises the risk of future restatements, weaker investor confidence, and challenges for precise capital and credit planning over coming quarters.
Historical Leverage VolatilityPrior years' high leverage indicates the balance sheet can re‑leverage rapidly under funding or growth pressure. The 2025 de‑risking may prove temporary if capital needs or loan growth accelerate, potentially increasing funding costs and credit risk sensitivity in 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 $3.53 and its highest was $5.59 in the past 12 months.
What is Optimumbank Holdings’s market cap?
Optimumbank Holdings’s market cap is $65.70M.
When is Optimumbank Holdings’s upcoming earnings report date?
Optimumbank Holdings’s upcoming earnings report date is May 12, 2026 which is in 68 days.
How were Optimumbank Holdings’s earnings last quarter?
Optimumbank Holdings released its earnings results on Feb 02, 2026. The company reported $0.21 earnings per share for the quarter, beating the consensus estimate of $0.2 by $0.01.
Is Optimumbank Holdings overvalued?
According to Wall Street analysts Optimumbank Holdings’s price is currently Overvalued.
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 0.2.
How many shares outstanding does Optimumbank Holdings have?
Optimumbank Holdings has 12,166,437 shares outstanding.
What happened to Optimumbank Holdings’s price movement after its last earnings report?
Optimumbank Holdings reported an EPS of $0.21 in its last earnings report, beating expectations of $0.2. Following the earnings report the stock price went up 3.185%.
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
Underperform
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7
8
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10
Hedge Fund Trend
Decreased
By 256.4K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $217.0K over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Negative
20 days / 200 days
Momentum
-13.38%
12-Months-Change
Fundamentals
Return on Equity
15.03%
Trailing 12-Months
Asset Growth
11.04%
Trailing 12-Months
Company Description
Optimumbank Holdings
OptimumBank Holdings, Inc. operates as the bank holding company for OptimumBank that provides various consumer and commercial banking services to individuals and businesses. It accepts demand interest-bearing and noninterest-bearing, savings, money market, NOW, and time deposit accounts, as well as certificates of deposit; and offers residential and commercial real estate, multi-family real estate, commercial, land and construction, and consumer loans, as well as lending lines for working capital needs. The company also provides debit and ATM cards; investment, cash management, notary, and night depository services; and direct deposits, money orders, cashier's checks, domestic collections, and banking by mail, as well as internet banking services. It operates through two banking offices located in Broward County, Florida. The company was founded in 2000 and is based in Fort Lauderdale, Florida.
OPHC Earnings Call
Q3 2025
0:00 / 0:00
Technical Analysis
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BayFirst Financial Corp
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Texas Community
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Ownership Overview
16.75% Insiders
4.52% Mutual Funds
― Other Institutional Investors
75.38% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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