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 - $5.64
Previous CloseN/A
Volume17.50K
Average Volume (3M)12.23K
Market Cap
$67.16M
Enterprise Value-$32.85M
Total Cash (Recent Filing)$114.56M
Total Debt (Recent Filing)$52.74M
Price to Earnings (P/E)3.3
Beta0.58
Next EarningsN/A
EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)N/A
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)0.70
P/FCF Ratio2.95
Enterprise Value/Market Cap-0.49
Enterprise Value/Revenue-0.46
Enterprise Value/Gross Profit-0.69
Enterprise Value/Ebitda-1.43
Forecast
1Y Price Target
$7.50Price Target Upside42.59% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
De-risked Balance SheetA materially de-risked 2025 balance sheet—sharp decline in debt and a much larger equity base—meaningfully raises financial resilience. That stronger capital position supports lending growth, cushions credit stress, and provides capacity to fund new lending platforms and organic expansion without reliance on volatile external funding.
Consistent Cash GenerationImproving operating and free cash flow that tracks net income suggests earnings quality and durable internal funding. Reliable cash generation enables reinvestment in technology, talent and new subsidiaries (e.g., OptimumFunding) while reducing dependence on wholesale funding, supporting long-term growth and capital allocation flexibility.
Diversifying Into HUD/FHA LendingCreating a dedicated HUD/FHA lending platform diversifies revenue beyond traditional commercial banking and leverages the bank's specialty in healthcare and multifamily finance. A standalone unit with capital support can expand addressable market nationally and improve fee and interest income stability over multiple economic cycles.
Bears Say
2025 Revenue ContractionA shift to negative revenue growth in 2025 is a structural concern: declining top line can erode operating leverage and place pressure on margins and reinvestment plans. If revenue weakness persists, it could force higher expense cuts or slower loan growth, limiting the bank's ability to sustain recent profitability gains.
Historical Leverage VolatilityWhile 2025 shows very low leverage, prior large swings in debt ratios indicate inconsistent capital management or sensitivity to funding choices. Such volatility raises execution risk for credit growth and can impair confidence in the durability of the current capital position if funding needs or stress scenarios change.
Execution Risk From Leadership/expansionA board-level CEO change and new bank president during simultaneous rollout of new verticals increase execution risk. Leadership transitions can disrupt client and execution continuity, and integrating new platforms (OptimumFunding/OptimumFinance) requires sustained management focus and controls to avoid missteps that could impact credit quality or growth trajectories.
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 $5.64 in the past 12 months.
What is Optimumbank Holdings’s market cap?
Optimumbank Holdings’s market cap is $67.16M.
When is Optimumbank Holdings’s upcoming earnings report date?
The company’s upcoming earnings report date is not yet available.
How were Optimumbank Holdings’s earnings last quarter?
Currently, no data Available
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 for its next earnings report is not yet available.
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?
Currently, no data Available
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
Moderate Buy
Average Price Target:
$7.50 (42.59% Upside)
$7.50 (42.59% 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 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 Stock 12 Month Forecast
Average Price Target
$7.50
▲(42.59% 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
15.88% Insiders
4.11% Mutual Funds
― Other Institutional Investors
76.84% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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