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OPHC Stock Chart & Stats
$6.30
$0.37(5.87%)
At close: 4:00 PM EDT
$6.30
$0.37(5.87%)
Day’s Range― - ―
52-Week Range$3.91 - $7.63
Previous Close$6.56
Volume252.78K
Average Volume (3M)12.23K
Market Cap
$93.24M
Enterprise Value$165.90
Total Cash (Recent Filing)$140.02M
Total Debt (Recent Filing)$42.65M
Price to Earnings (P/E)4.4
Beta0.62
Next Earnings
Nov 06, 2026EPS Estimate
0.23Next 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<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$6.50Price Target Upside3.17% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)0.84
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Cash Generation QualitySustained growth in operating and free cash flow, with free cash flow closely matching reported earnings, indicates high earnings quality and internal funding capacity. Over 2–6 months this supports organic loan growth, capital cushions and less reliance on external funding, strengthening resilience.
Improved Leverage & CapitalMaterial de-leveraging and steady equity growth alongside rising assets reduce liquidity and solvency risk. Stronger capital ratios and higher ROE in the TTM period provide a durable buffer to absorb credit losses and support strategic growth without immediate capital raises.
Revenue Mix & Deposit GrowthRobust net interest income plus rising fee and gain-related noninterest income diversify revenue drivers. Rapid, broad-based deposit growth improves funding stability and supports continued lending and margin resilience, strengthening the franchise over the medium term.
Bears Say
Sensitivity From Rapid Historical GrowthPrior rapid asset growth can mask underwriting variability and concentrate exposures. If credit or funding conditions worsen, loan losses or funding stress could emerge, testing capital and earnings. This structural sensitivity persists until growth and underwriting prove consistently conservative.
Normalized Growth RateAfter a multi-year surge, revenue and margin expansion have moderated. Sustaining prior high returns will require new revenue streams or margin expansion; otherwise normalized growth implies lower incremental profitability and slower balance-sheet scaling over coming quarters.
Rising Operating CostsHigher compensation and noninterest expenses can be persistent and erode operating leverage. If revenue growth slows, recurring expense increases pressure the efficiency ratio and long-term margin sustainability, requiring disciplined cost management to protect profitability.
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 $7.63 in the past 12 months.
What is Optimumbank Holdings’s market cap?
Optimumbank Holdings’s market cap is $93.24M.
When is Optimumbank Holdings’s upcoming earnings report date?
Optimumbank Holdings’s upcoming earnings report date is Nov 06, 2026 which is in 95 days.
How were Optimumbank Holdings’s earnings last quarter?
Optimumbank Holdings released its earnings results on Jul 24, 2026. The company reported $0.28 earnings per share for the quarter, beating the consensus estimate of $0.207 by $0.073.
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 0.23.
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 $0.28 in its last earnings report, beating expectations of $0.207. Following the earnings report the stock price went up 5.351%.
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:
$6.50 (3.17% Upside)
$6.50 (3.17% Upside)
Blogger Sentiment
Bullish
OPHC Sentiment 100%
Sector Average ―
Sector Average ―
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
―
Trailing 12-Months
Asset Growth
40.22%
Trailing 12-Months
Company Description
Optimumbank Holdings
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.
OPHC Stock 12 Month Forecast
Average Price Target
$6.50
▲(3.17% 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
82.76% Public Companies and
Individual Investors