Optimumbank Holdings (OPHC)
:OPHC
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Optimumbank Holdings
(OPHC)
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Rating:78Outperform
Price Target:
$6.00
▲(12.36% Upside)
Action:ReiteratedDate:02/27/26
The score is driven primarily by improved fundamentals (stronger profitability, better cash generation, and a materially cleaner 2025 balance sheet), supported by a low P/E valuation and constructive price momentum. The main offset is the 2025 revenue decline and some inconsistency in reported 2025 income statement fields, which reduce confidence in the latest margin detail.
Positive Factors
Improving Profitability
OptimumBank moved from losses in 2020 to materially higher net margins (roughly 16%–26% in 2022–2025) with net income up to $16.6M in 2025. This sustained earnings improvement strengthens internal capital, supports dividend/capex flexibility, and underpins durable credit capacity.
Negative Factors
2025 Revenue Decline
Revenue contraction in 2025 (-6.3%) contrasts with rising net income, suggesting reliance on margin or one-off items. A falling top line can limit sustainable growth, compress future operating leverage, and complicate long-range forecasting of core banking revenues and fee streams.
Read all positive and negative factors
Positive Factors
Negative Factors
Improving Profitability
OptimumBank moved from losses in 2020 to materially higher net margins (roughly 16%–26% in 2022–2025) with net income up to $16.6M in 2025. This sustained earnings improvement strengthens internal capital, supports dividend/capex flexibility, and underpins durable credit capacity.
Read all positive factors
Optimumbank Holdings (OPHC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$64.97M
Dividend YieldN/A
Average Volume (3M)12.23K
Price to Earnings (P/E)3.0
Beta (1Y)0.57
Revenue Growth14.91%
EPS Growth0.81%
CountryUS
Employees73
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.21
Shares Outstanding12,166,437
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 Cap1.67
Enterprise Value/Revenue1.52
Enterprise Value/Gross Profit2.29
Enterprise Value/Ebitda4.70
Forecast
1Y Price Target
$6.50Price Target Upside21.72% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)0.95
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 generates revenue through multiple streams. The primary source is interest income from loans issued to customers, including personal, mortgage, and business loans. Additionally, the bank earns fee income from various services ...
Optimumbank Holdings Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
80
Positive
Cash Flow
74
Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 71.13M | 64.25M | 39.23M | 22.84M | 11.82M |
| Gross Profit | 47.33M | 37.09M | 23.12M | 15.33M | 9.66M |
| EBITDA | 23.05M | 18.23M | 9.02M | 5.96M | 3.37M |
| Net Income | 16.65M | 13.12M | 6.28M | 4.02M | 6.30M |
Balance Sheet | |||||
| Total Assets | 1.11B | 932.93M | 791.25M | 585.22M | 351.88M |
| Cash, Cash Equivalents and Short-Term Investments | 34.53M | 116.40M | 101.02M | 96.94M | 93.36M |
| Total Debt | 52.74M | 102.77M | 126.25M | 22.17M | 37.77M |
| Total Liabilities | 989.78M | 829.75M | 721.25M | 522.64M | 313.37M |
| Stockholders Equity | 121.90M | 103.18M | 70.01M | 62.58M | 38.51M |
Cash Flow | |||||
| Free Cash Flow | 16.95M | 14.62M | 6.21M | 10.04M | 3.38M |
| Operating Cash Flow | 17.84M | 15.61M | 6.88M | 10.36M | 3.76M |
| Investing Cash Flow | -156.68M | -125.47M | -199.66M | -229.80M | -108.76M |
| Financing Cash Flow | 159.77M | 126.83M | 197.61M | 232.31M | 109.34M |
Optimumbank Holdings Technical Analysis
Positive
5.34
Price Trends
5.21
Positive
4.76
Positive
4.51
Positive
Market Momentum
0.01
Positive
55.34
Neutral
71.07
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 5.34 is above the 20-day moving average (MA) of 5.27, above the 50-day MA of 5.21, and above the 200-day MA of 4.51, indicating a bullish trend. The MACD of 0.01 indicates Positive momentum. The RSI at 55.34 is Neutral, neither overbought nor oversold. The STOCH value of 71.07 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 |
|---|---|---|---|---|---|---|---|
78 Outperform | $64.97M | 3.00 | 14.54% | ― | 14.91% | 0.81% | |
78 Outperform | $55.96M | 8.12 | 9.28% | 3.21% | 0.32% | 37.93% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | $62.94M | 9.39 | 4.93% | 3.87% | 6.89% | ― | |
64 Neutral | $49.34M | 17.24 | 5.34% | 1.10% | 12.12% | ― | |
46 Neutral | $28.18M | -1.41 | -23.19% | 4.10% | 1.63% | -508.72% |
* Financial Sector Average
OPHC
Optimumbank Holdings
5.34
1.53
40.16%
ASRV
Ameriserv Financial
3.71
1.63
78.28%
HFBL
Home Federal Bancorp Of Louisiana
18.20
5.57
44.11%
BAFN
BayFirst Financial Corp
6.86
-6.33
-47.99%
TCBS
Texas Community
17.10
1.60
10.32%
Optimumbank Holdings Corporate Events
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...
Business Operations and StrategyFinancial Disclosures
OptimumBank Posts Record 2025 Results and Strategic Expansion
Positive
Feb 2, 2026
On February 2, 2026, OptimumBank Holdings reported record unaudited results for the fourth quarter and full year ended December 31, 2025, highlighted by strong earnings growth, robust loan expansion and improved profitability metrics. Fourth-quart...
Business Operations and StrategyPrivate Placements and Financing
OptimumBank restructures capital with preferred-for-common exchange
Neutral
Jan 30, 2026
On January 27, 2026, OptimumBank Holdings, Inc. completed a securities exchange transaction in which investor Michael Blisko swapped 65 shares of the company’s Series B Convertible Preferred Stock for 531,178 newly issued shares of common st...
Financial DisclosuresRegulatory Filings and Compliance
OptimumBank Releases Preliminary 2025 Financial Results Presentation
Neutral
Jan 20, 2026
On January 20, 2026, OptimumBank Holdings, Inc. announced that it had released a presentation detailing its unaudited results of operations and financial condition for, and at the end of, the year ended December 31, 2025. The disclosure provides i...
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.