Optimumbank Holdings (OPHC)
:OPHC
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Optimumbank Holdings
(OPHC)
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Rating:77Outperform
Price Target:
$6.00
▲(14.07% Upside)
Action:Reiterated
Date:05/14/26
The score is driven primarily by strong financial performance (profitability, improving leverage, and strengthening cash generation) and a very low P/E valuation. Technicals are constructive but not strongly bullish due to near-term consolidation, while recent corporate actions are positive and growth-oriented but carry execution risk.
Positive Factors
Strong cash generation
Sustained 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.
Negative Factors
Prior rapid balance-sheet growth
Rapid 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.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong cash generation
Sustained 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.
Read all positive factors
Optimumbank Holdings (OPHC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$67.84M
Dividend YieldN/A
Average Volume (3M)12.23K
Price to Earnings (P/E)3.3
Beta (1Y)0.59
Revenue Growth15.64%
EPS Growth5.72%
CountryUS
Employees73
SectorFinancial
Sector Strength70
IndustryBanks - Regional
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-0.47
Enterprise Value/Revenue-0.42
Enterprise Value/Gross Profit-0.63
Enterprise Value/Ebitda-1.34
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
Optimumbank Holdings Business Overview & Revenue Model
Company Description
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, mone...
How the Company Makes Money
Optimumbank Holdings makes money primarily through its banking subsidiary by (1) earning net interest income—the spread between interest earned on loans and other interest-earning assets and interest paid on deposits and other funding sources—and ...
Optimumbank Holdings Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
74
Positive
Cash Flow
81
Very Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 76.13M | 71.13M | 64.25M | 39.23M | 22.84M | 11.82M |
| Gross Profit | 50.71M | 47.33M | 37.09M | 23.12M | 15.33M | 9.66M |
| EBITDA | 23.93M | 23.05M | 18.23M | 9.02M | 5.96M | 3.37M |
| Net Income | 17.44M | 16.65M | 13.12M | 6.28M | 4.02M | 6.30M |
Balance Sheet | ||||||
| Total Assets | 1.27B | 1.11B | 932.93M | 791.25M | 585.22M | 351.88M |
| Cash, Cash Equivalents and Short-Term Investments | 140.02M | 114.56M | 116.40M | 101.02M | 96.94M | 93.36M |
| Total Debt | 42.65M | 52.74M | 102.77M | 126.25M | 22.17M | 37.77M |
| Total Liabilities | 1.14B | 989.78M | 829.75M | 721.25M | 522.64M | 313.37M |
| Stockholders Equity | 126.85M | 121.90M | 103.18M | 70.01M | 62.58M | 38.51M |
Cash Flow | ||||||
| Free Cash Flow | 22.13M | 16.95M | 14.62M | 6.21M | 10.04M | 3.38M |
| Operating Cash Flow | 22.58M | 17.84M | 15.61M | 6.88M | 10.36M | 3.76M |
| Investing Cash Flow | -295.94M | -156.68M | -125.47M | -199.66M | -229.80M | -108.76M |
| Financing Cash Flow | 269.92M | 159.77M | 126.83M | 197.61M | 232.31M | 109.34M |
Optimumbank Holdings Technical Analysis
Positive
5.26
Price Trends
5.39
Positive
5.15
Positive
4.66
Positive
Market Momentum
0.03
Positive
55.54
Neutral
68.78
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For OPHC, the sentiment is Positive. The current price of 5.26 is below the 20-day moving average (MA) of 5.51, below the 50-day MA of 5.39, and above the 200-day MA of 4.66, indicating a bullish trend. The MACD of 0.03 indicates Positive momentum. The RSI at 55.54 is Neutral, neither overbought nor oversold. The STOCH value of 68.78 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for OPHC.
Optimumbank Holdings Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | $67.84M | 3.27 | 14.63% | ― | 15.64% | 5.72% | |
77 Outperform | $58.08M | 8.86 | 9.28% | 3.21% | 5.66% | 79.41% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $66.67M | 8.54 | 4.93% | 3.87% | 4.99% | 50.85% | |
58 Neutral | $48.33M | 15.11 | 5.34% | 1.10% | 3.83% | 59.54% | |
55 Neutral | $26.24M | -1.15 | -23.19% | 4.10% | -18.73% | -401.58% |
* Financial Sector Average
OPHC
Optimumbank Holdings
5.53
1.12
25.40%
ASRV
Ameriserv Financial
3.93
1.41
55.64%
HFBL
Home Federal Bancorp Of Louisiana
19.02
6.45
51.28%
BAFN
BayFirst Financial Corp
6.39
-8.56
-57.26%
TCBS
Texas Community
16.75
1.39
9.06%
Optimumbank Holdings Corporate Events
Business Operations and StrategyExecutive/Board Changes
OptimumBank Announces CEO Transition and New Leadership Team
Positive
May 5, 2026
OptimumBank Holdings, Inc., the parent of community lender OptimumBank, announced a leadership transition effective May 1, 2026, as long-time principal executive officer Timothy Terry retired from his roles at both the holding company and the bank...
Business Operations and StrategyExecutive/Board ChangesShareholder Meetings
Optimumbank Shareholders Approve Directors and Capital Structure Changes
Positive
May 4, 2026
At its annual meeting of shareholders held on April 28, 2026, OptimumBank Holdings, Inc. reported that 73.91% of eligible common shares were represented, and shareholders elected six directors, including Moishe Gubin, Joel Klein, Avi Zwelling, Tho...
Business Operations and StrategyFinancial Disclosures
OptimumBank Posts Strong Q1 2026 Results, Expands Verticals
Positive
Apr 24, 2026
OptimumBank Holdings reported unaudited first-quarter 2026 net income of $4.7 million, or $0.39 per basic share, up from $3.9 million a year earlier but slightly below the 2025 fourth quarter, driven by a $3.8 million rise in net interest income a...
Business Operations and StrategyProduct-Related Announcements
OptimumBank Launches OptimumFunding HUD and FHA Lending Platform
Positive
Feb 23, 2026
On February 23, 2026, OptimumBank Holdings, Inc. announced the formation of OptimumFunding, LLC, a wholly owned subsidiary created to launch a HUD and FHA lending platform. The new unit extends the company’s long-standing focus on skilled nu...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.