Optimumbank Holdings (OPHC) AI Stock Analysis

• Market Cap: $51.70M
• Dividend Yield: N/A
• Average Volume (3M): 11.80K
• Price to Earnings (P/E): 3.3
• Beta (1Y): 0.54
• Revenue Growth: 43.98%
• EPS Growth: 37.57%
• Country: US
• Employees: 73
• Sector: Financial
• Sector Strength: 76
• Industry: Banks - Regional
• EPS (TTM): 0.32
• Shares Outstanding: 11,751,082
• 10 Day Avg. Volume: 9,368
• 30 Day Avg. Volume: 11,796
• PEG Ratio: -0.10
• Price to Book (P/B): 0.39
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 2.43
• Enterprise Value/Market Cap: -0.68
• Enterprise Value/Revenue: -0.16
• Enterprise Value/Gross Profit: -0.77
• Enterprise Value/Ebitda: -1.22
• 1Y Price Target: $5.00
• Price Target Upside: 13.38% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 78 Outperform
• Price Target: $5.00 ▲(13.38%Upside)

Optimumbank Holdings' strong financial performance and attractive valuation are the primary strengths, driving a robust overall stock score. Despite mixed technical indicators, the low P/E ratio suggests significant potential for capital appreciation. As no earnings call or corporate events data is available, these components do not impact the score.

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
	EBIT
15.40M	17.63M	9.38M	9.44M	3.07M	-782.00K
	EBITDA
9.68M	18.23M	9.02M	5.96M	3.37M	-455.00K
	Net Income Common Stockholders
14.62M	13.12M	6.28M	4.02M	6.30M	-782.00K
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
36.59M	116.40M	76.66M	96.94M	93.36M	73.52M
	Total Assets
977.47M	932.93M	791.25M	585.22M	351.88M	235.11M
	Total Debt
0.00	52.77M	64.25M	12.17M	19.77M	25.99M
	Net Debt
-13.54M	-40.86M	-12.41M	-59.66M	-39.20M	-28.64M
	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: Neutral
• Last Price: 4.41
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For OPHC, the sentiment is Neutral. The current price of 4.41 is below the 20-day moving average (MA) of 4.44, above the 50-day MA of 4.35, and below the 200-day MA of 4.54, indicating a neutral trend. The MACD of <0.01 indicates Positive momentum. The RSI at 48.03 is Neutral, neither overbought nor oversold. The STOCH value of 22.07 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for OPHC.

Optimumbank Holdings Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
OPHC	78 Outperform	$51.70M	3.30	15.30%	―	43.98%	37.57%
HFBL	76 Outperform	$40.75M	11.98	6.24%	3.98%	-2.69%	-21.26%
TCBS	66 Neutral	$48.65M	23.87	3.88%	1.00%	19.16%	―
Sector *	64 Neutral	$12.73B	9.92	7.90%	78.88%	12.06%	-7.95%
CFSB	60 Neutral	$89.72M	―	>-0.01%	―	13.69%	77.14%
CLST	57 Neutral	$52.51M	22.20	2.70%	―	152.27%	―

Optimumbank Holdings Corporate Events

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.

OptimumBank Holdings Releases Q1 2025 Financial Results

On April 24, 2025, OptimumBank Holdings, Inc. released a presentation detailing its financial performance for the year ending December 31, 2024, and the unaudited results for the quarter ending March 31, 2025. The announcement provides insights into the company’s operational outcomes and financial status, potentially impacting its market positioning and stakeholder interests.