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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 - $10.68
Previous Close$6.56
Volume252.78K
Average Volume (3M)12.23K
Market Cap
$117.39M
Enterprise Value$165.29
Total Cash (Recent Filing)$41.28M
Total Debt (Recent Filing)$5.09M
Price to Earnings (P/E)5.4
Beta0.79
Next Earnings
Nov 06, 2026EPS Estimate
0.31Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)1.73
Shares Outstanding12,622,470
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
$11.00Price Target Upside74.60% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)0.93
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Margin And ProfitabilityExpanding margins and strong profitability indicate that OPHC is converting its banking franchise into durable earnings. Higher net interest income, noninterest revenue and operating leverage can support returns if growth remains disciplined.
Loan And Deposit GrowthRapid, balanced growth in loans and deposits is expanding the earning-asset base while providing funding for future activity. Sustained customer acquisition and scale could strengthen OPHC’s regional banking position and revenue base.
Credit Quality And CapitalLow problem assets and zero net charge-offs show currently strong underwriting and portfolio performance. A solid Tier 1 leverage ratio provides capacity to absorb losses and continue lending, supporting resilience through changing credit conditions.
Bears Say
Rising Operating CostsHigher personnel, technology and infrastructure spending may be necessary for expansion, but it creates execution risk and can dilute operating leverage. Costs must scale more slowly than revenue for current profitability to remain sustainable.
Reserve Coverage And CRE ExposureDeclining reserves relative to a rapidly expanding portfolio leave less protection if credit conditions weaken. Concentration in commercial real estate could amplify losses, requiring higher provisions and potentially constraining growth or capital.
Higher Funding ObligationsThe subordinated notes strengthen regulatory capital and fund expansion, but add long-dated interest obligations and refinancing exposure. Combined with possible equity raises, the funding plan may pressure margins and create dilution or leverage risk.
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 $10.68 in the past 12 months.
What is Optimumbank Holdings’s market cap?
Optimumbank Holdings’s market cap is $117.39M.
When is Optimumbank Holdings’s upcoming earnings report date?
Optimumbank Holdings’s upcoming earnings report date is Nov 06, 2026 which is in 73 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 0.31.
How many shares outstanding does Optimumbank Holdings have?
Optimumbank Holdings has 12,622,470 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
Outperform
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$11.00 (74.60% Upside)
$11.00 (74.60% Upside)
Blogger Sentiment
Neutral
OPHC Sentiment 50%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 256.4K Shares
Last Quarter.
Last Quarter.
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
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
$11.00
▲(74.60% 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
9.01% Insiders
3.96% Mutual Funds
― Other Institutional Investors
83.23% Public Companies and
Individual Investors