Optimumbank Holdings (OPHC) AI Stock Analysis

• Market Cap: $53.35M
• Dividend Yield: N/A
• Average Volume (3M): 14.57K
• Price to Earnings (P/E): 3.4
• Beta (1Y): 0.61
• Revenue Growth: 43.98%
• EPS Growth: 37.57%
• Country: US
• Employees: 73
• Sector: Financial
• Sector Strength: 67
• Industry: Banks - Regional
• EPS (TTM): 0.29
• Shares Outstanding: 11,751,082
• 10 Day Avg. Volume: 29,598
• 30 Day Avg. Volume: 14,571
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 0.93
• Enterprise Value/Revenue: 0.83
• Enterprise Value/Gross Profit: 1.08
• Enterprise Value/Ebitda: 5.11
• 1Y Price Target: $5.00
• Price Target Upside: 10.13% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 72 Outperform
• Price Target: $4.50 ▼(-0.88% Downside)

Optimumbank Holdings' strong financial performance and attractive valuation are key strengths, contributing positively to the overall score. However, the bearish technical indicators weigh down the score, indicating potential short-term challenges. The strategic corporate event is a positive but secondary factor.

Optimumbank Holdings Business Overview & Revenue Model

Company Description

OptimumBank Holdings, Inc. (OPHC) is a bank holding company based in the United States, primarily engaged in providing a range of community banking services. It operates through its wholly-owned subsidiary, OptimumBank, which offers various financial products and services, including personal and business banking solutions, loans, savings and checking accounts, and other related financial services. The company serves a diverse clientele, including individuals, small and medium-sized businesses, and professionals.

How the Company Makes Money

OptimumBank Holdings, Inc. generates revenue primarily through its subsidiary, OptimumBank, by engaging in traditional banking activities. The company earns money from interest income, which includes interest received on loans provided to customers, such as mortgage loans, commercial loans, and personal loans. Additionally, the bank earns revenue from non-interest income sources, such as service charges on deposit accounts, transaction fees, and other customer service-related fees. OptimumBank Holdings also benefits from investment income by managing its securities portfolio, contributing to its overall financial performance. The company's earnings are influenced by factors such as interest rate changes, loan demand, and economic conditions within its operating regions.

Optimumbank Holdings Financial Statement Overview

Summary

Optimumbank Holdings exhibits strong financial performance with significant revenue growth and improved profitability. The equity position is robust, and cash flow management is efficient, although there are fluctuations in cash flow from financing and investing activities.

Income Statement

Optimumbank Holdings has demonstrated strong revenue growth with a significant increase from $5.28M in 2020 to $59.63M in 2024. Gross profit margins are impressive, consistently at 100% due to the nature of their business. The net profit margin improved significantly, reaching 22% in 2024 from negative figures in earlier years, indicating enhanced profitability. The EBIT margin also improved dramatically from negative in 2020 to 98% in 2024, showcasing strong operational efficiency. However, the lack of EBITDA data for 2024 limits a full assessment.

Balance Sheet

The company's balance sheet shows a strong equity position with a debt-to-equity ratio of 0 in 2024, down from higher levels in previous years, indicating no reliance on debt. The return on equity (ROE) improved to 12.72% in 2024, reflecting effective capital utilization. The equity ratio is healthy at 11.06%, suggesting a stable financial structure. However, the low equity base compared to total assets may pose some risk in terms of leverage if asset values fluctuate.

Cash Flow

Optimumbank Holdings' cash flow statements show a robust increase in operating cash flow from $3.76M in 2021 to $15.61M in 2024, indicating strong cash generation. The free cash flow also increased significantly, with a growth rate of 151.20% from 2023 to 2024. The operating cash flow to net income ratio is strong, suggesting efficient conversion of profits into cash. However, the high fluctuations in financing and investing cash flows indicate potential volatility in cash management strategies.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	59.41M	64.25M	35.78M	18.80M	11.18M	5.28M
Gross Profit	45.78M	37.09M	35.78M	18.80M	11.18M	5.28M
EBITDA	9.68M	18.23M	9.02M	5.96M	3.37M	-455.00K
Net Income	14.62M	13.12M	6.28M	4.02M	6.30M	-782.00K
Balance Sheet
Total Assets	977.47M	932.93M	791.25M	585.22M	351.88M	235.11M
Cash, Cash Equivalents and Short-Term Investments	36.59M	116.40M	76.66M	96.94M	93.36M	73.52M
Total Debt	0.00	52.77M	64.25M	12.17M	19.77M	25.99M
Total Liabilities	869.47M	829.75M	721.25M	522.64M	19.77M	25.99M
Stockholders Equity	108.00M	103.18M	70.01M	62.58M	38.51M	17.83M
Cash Flow
Free Cash Flow	16.24M	14.62M	6.21M	10.04M	3.38M	-1.66M
Operating Cash Flow	16.20M	15.61M	6.88M	10.36M	3.76M	-1.46M
Investing Cash Flow	-44.34M	-125.47M	-199.66M	-229.80M	-108.76M	-62.77M
Financing Cash Flow	20.49M	126.83M	197.61M	232.31M	109.34M	109.93M

Optimumbank Holdings Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 4.54
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Positive
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For OPHC, the sentiment is Negative. The current price of 4.54 is above the 20-day moving average (MA) of 4.53, above the 50-day MA of 4.49, and above the 200-day MA of 4.53, indicating a bearish trend. The MACD of -0.03 indicates Positive momentum. The RSI at 23.49 is Positive, neither overbought nor oversold. The STOCH value of 15.44 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for OPHC.

Optimumbank Holdings Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
OPHC	72 Outperform	$53.35M	3.41	14.85%	―	43.98%	37.57%
HFBL	69 Neutral	$42.16M	10.71	7.20%	4.09%	-2.93%	7.89%
Sector *	62 Neutral	C$15.25B	6.94	19.04%	5.61%	33.32%	-34.51%
CLST	57 Neutral	$52.26M	22.42	2.69%	―	107.33%	―
TCBS	54 Neutral	$48.38M	20.53	4.50%	1.01%	13.47%	―
CFSB	54 Neutral	$90.89M	―	>-0.01%	―	13.69%	77.14%

Optimumbank Holdings Corporate Events

OptimumBank Holdings Releases Q2 2025 Financial Results

On July 24, 2025, OptimumBank Holdings, Inc. released its unaudited financial results for the period ending June 30, 2025. The announcement provides insights into the company’s operational performance and financial health during this period, which could have implications for its market positioning and stakeholder interests.

The most recent analyst rating on (OPHC) stock is a Hold with a $5.25 price target. To see the full list of analyst forecasts on Optimumbank Holdings stock, see the OPHC Stock Forecast page.

OptimumBank Holdings Amends Sales Agreement to Boost Market Presence

On July 1, 2025, OptimumBank Holdings, Inc. amended its At Market Issuance Sales Agreement with Compass Point Research & Trading, LLC, adding A.G.P./Alliance Global Partners as an agent. This amendment, along with the filing of a Prospectus Supplement with the SEC, is part of the company’s strategy to enhance its market presence and potentially attract more investors through the offering of shares under the amended agreement.

The most recent analyst rating on (OPHC) stock is a Hold with a $5.25 price target. To see the full list of analyst forecasts on Optimumbank Holdings stock, see the OPHC Stock Forecast page.

OptimumBank Holdings Releases Q1 2025 Financial Results

On May 29, 2025, OptimumBank Holdings, Inc. released a presentation detailing its unaudited operational results for the period ending March 31, 2025. This announcement provides stakeholders with insights into the company’s financial performance during the first quarter of 2025, which could impact its operational strategies and market positioning.

The most recent analyst rating on (OPHC) stock is a Hold with a $5.25 price target. To see the full list of analyst forecasts on Optimumbank Holdings stock, see the OPHC Stock Forecast page.