Optimumbank Holdings (OPHC) AI Stock Analysis

• Market Cap: $47.83M
• Dividend Yield: N/A
• Average Volume (3M): 12.23K
• Price to Earnings (P/E): 3.2
• Beta (1Y): 0.66
• Revenue Growth: 25.77%
• EPS Growth: 12.09%
• Country: US
• Employees: 73
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.29
• Shares Outstanding: 11,751,082
• 10 Day Avg. Volume: 10,619
• 30 Day Avg. Volume: 12,234
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: 1.02
• Enterprise Value/Revenue: 0.73
• Enterprise Value/Gross Profit: 1.18
• Enterprise Value/Ebitda: 2.43
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 0

• Rating: 72 Outperform
• Price Target: $4.50 ▲(10.57% Upside)

Optimumbank Holdings' strong financial performance and attractive valuation are the primary drivers of its overall score. The company's robust growth and profitability, coupled with a low P/E ratio, suggest potential for future appreciation. However, the technical indicators point to a bearish trend, which tempers the overall score.

Optimumbank Holdings Business Overview & Revenue Model

Company Description

Optimumbank Holdings (OPHC) is a financial services company primarily engaged in the banking sector, offering a wide range of banking and financial products to both individual and business clients. The company operates through various segments, including retail banking, commercial banking, and investment services. Core products include personal and business loans, mortgages, checking and savings accounts, and wealth management services, aimed at providing comprehensive financial solutions tailored to meet the needs of its diverse customer base.

How the Company Makes Money

Optimumbank Holdings generates revenue through multiple streams, primarily from interest income derived from loans and mortgages issued to customers. This includes personal loans, business loans, and home equity loans, where the company earns interest over the life of these products. Additionally, OPHC makes money from fees associated with various banking services such as account maintenance fees, transaction fees, and service charges. The bank also earns revenue from its investment services, including asset management and advisory fees. Significant partnerships with financial technology firms enhance its service offerings, allowing OPHC to reach a broader audience and streamline operations, which contributes positively to its earnings.

Optimumbank Holdings Financial Statement Overview

Summary

Optimumbank Holdings exhibits strong financial health across all verticals. The income statement shows robust growth and profitability, the balance sheet reflects a stable financial position with reduced leverage, and the cash flow statement indicates efficient cash management. While there are some historical fluctuations in debt levels, the overall financial trajectory is positive, positioning the company well for future growth.

Income Statement

Optimumbank Holdings has demonstrated strong revenue growth, with a notable increase in total revenue over the years. The gross profit margin remains robust, indicating efficient cost management. The net profit margin is healthy, reflecting profitability. EBIT and EBITDA margins are also strong, suggesting operational efficiency. Overall, the income statement shows a positive growth trajectory and profitability.

Balance Sheet

The balance sheet reflects a solid financial position with a low debt-to-equity ratio in the TTM period, indicating reduced leverage. Return on equity has improved, showcasing effective use of equity to generate profits. The equity ratio is stable, suggesting a strong capital base. However, historical fluctuations in debt levels present a potential risk.

Cash Flow

Cash flow analysis reveals a positive trend in free cash flow growth, indicating improved cash generation capabilities. The operating cash flow to net income ratio is stable, suggesting efficient conversion of income to cash. The free cash flow to net income ratio is high, reflecting strong cash profitability. Overall, the cash flow statement indicates healthy cash management.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	66.82M	64.25M	39.23M	22.84M	11.82M	7.00M
Gross Profit	41.27M	37.09M	23.12M	15.33M	9.66M	4.26M
EBITDA	20.00M	18.23M	9.02M	5.96M	3.37M	-455.00K
Net Income	14.72M	13.12M	6.28M	4.02M	6.30M	-782.00K
Balance Sheet
Total Assets	999.13M	932.93M	791.25M	585.22M	351.88M	235.11M
Cash, Cash Equivalents and Short-Term Investments	31.21M	116.40M	101.02M	96.94M	93.36M	73.52M
Total Debt	2.66M	102.77M	126.25M	22.17M	37.77M	25.99M
Total Liabilities	887.78M	829.75M	721.25M	522.64M	313.37M	217.28M
Stockholders Equity	111.35M	103.18M	70.01M	62.58M	38.51M	17.83M
Cash Flow
Free Cash Flow	18.89M	14.62M	6.21M	10.04M	3.38M	-1.66M
Operating Cash Flow	19.26M	15.61M	6.88M	10.36M	3.76M	-1.46M
Investing Cash Flow	-22.09M	-125.47M	-199.66M	-229.80M	-108.76M	-62.77M
Financing Cash Flow	80.53M	126.83M	197.61M	232.31M	109.34M	109.93M

Optimumbank Holdings Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 4.07
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• 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 4.07 is above the 20-day moving average (MA) of 4.05, below the 50-day MA of 4.16, and below the 200-day MA of 4.34, indicating a neutral trend. The MACD of -0.03 indicates Negative momentum. The RSI at 49.44 is Neutral, neither overbought nor oversold. The STOCH value of 76.39 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	―	$47.83M	3.17	14.85%	―	25.77%	12.09%
HFBL	―	$48.96M	10.14	8.21%	3.31%	0.32%	37.93%
BAFN	―	$38.90M	5.45	8.93%	3.30%	7.07%	96.65%
ASRV	―	$50.88M	10.24	4.54%	3.76%	6.89%	―
Sector *	―	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
TCBS	―	$47.62M	20.47	4.50%	0.99%	13.47%	―

Optimumbank Holdings Corporate Events

OptimumBank Holdings Releases Q3 2025 Financial Results

On October 16, 2025, OptimumBank Holdings, Inc. released a presentation detailing its unaudited financial results for the nine-month period ending September 30, 2025. This announcement provides insights into the company’s financial health and operational performance, potentially impacting its market positioning and stakeholder interests.

The most recent analyst rating on (OPHC) stock is a Buy with a $4.50 price target. To see the full list of analyst forecasts on Optimumbank Holdings stock, see the OPHC Stock Forecast page.

OptimumBank Aligns Series B and C Stock Terms

On October 1, 2025, OptimumBank Holdings, Inc. amended its articles of incorporation to align the terms of its Series B preferred stock with its Series C preferred stock. This change will impact the company’s financial disclosures by including the Series B preferred stock in its diluted common shares and related metrics, such as diluted earnings per share.

The most recent analyst rating on (OPHC) stock is a Buy with a $4.50 price target. To see the full list of analyst forecasts on Optimumbank Holdings stock, see the OPHC Stock Forecast page.

OptimumBank Updates Asset Growth Projections for 2025

On August 12, 2025, OptimumBank Holdings, Inc. clarified a statement made during its second quarter 2025 earnings webcast regarding projected asset growth. The company corrected its projection, emphasizing its strategic plan to exceed $1.2 billion in assets by the end of 2025 and to reach between $1.5 billion and $1.6 billion by the end of 2026. This announcement highlights OptimumBank’s continued strong growth trajectory, with a consistent annual growth rate of 25% to 30%, reflecting its ambition and momentum in the banking sector.

The most recent analyst rating on (OPHC) stock is a Hold with a $5.50 price target. To see the full list of analyst forecasts on Optimumbank Holdings stock, see the OPHC Stock Forecast page.