Optimumbank Holdings (OPHC) AI Stock Analysis

• Market Cap: $51.23M
• Dividend Yield: N/A
• Average Volume (3M): 24.59K
• Price to Earnings (P/E): 3.4
• Beta (1Y): 0.63
• Revenue Growth: 25.77%
• EPS Growth: 12.09%
• Country: US
• Employees: 73
• Sector: Financial
• Sector Strength: 74
• Industry: Banks - Regional
• EPS (TTM): 0.29
• Shares Outstanding: 11,751,082
• 10 Day Avg. Volume: 17,969
• 30 Day Avg. Volume: 24,590
• 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: 0.95
• Enterprise Value/Revenue: 0.73
• Enterprise Value/Gross Profit: 1.18
• Enterprise Value/Ebitda: 2.43
• 1Y Price Target: $5.00
• Price Target Upside: 14.42% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 0

• Rating: 77 Outperform
• Price Target: $5.00 ▲(14.42% Upside)

Optimumbank Holdings scores well due to its strong financial performance and undervalued stock price, as indicated by a low P/E ratio. Positive corporate events further bolster the company's growth outlook. However, technical analysis presents mixed signals, with the stock trading below key moving averages, which slightly tempers the overall score.

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, money market, NOW, and time deposit accounts, as well as certificates of deposit; and offers residential and commercial real estate, multi-family real estate, commercial, land and construction, and consumer loans, as well as lending lines for working capital needs. The company also provides debit and ATM cards; investment, cash management, notary, and night depository services; and direct deposits, money orders, cashier's checks, domestic collections, and banking by mail, as well as internet banking services. It operates through two banking offices located in Broward County, Florida. The company was founded in 2000 and is based in Fort Lauderdale, Florida.

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 performance with remarkable revenue growth and profit margins, a solid balance sheet with low leverage, and robust cash flow generation. The company demonstrates effective cost management, operational efficiency, and prudent financial strategies, positioning it well for future growth and stability. While the balance sheet could benefit from higher equity levels, the overall financial health of the company is commendable.

Income Statement

Optimumbank Holdings has demonstrated strong growth in revenue with a notable increase over the years, evidenced by a substantial year-over-year growth rate. The TTM data shows a gross profit margin of 60.76% and a net profit margin of 22.22%, indicating effective cost management and profitability. Both EBIT and EBITDA margins are healthy at 29.80% and 30.72% respectively, showcasing operational efficiency. Overall, the income statement reflects a robust financial performance with strong profit margins and consistent revenue growth.

Balance Sheet

The balance sheet reveals a solid equity base with a debt-to-equity ratio of 0.12, indicating low reliance on debt financing. The return on equity stands at 13.53%, which is a strong return for shareholders, although there is room for improvement. The equity ratio of 11.05% suggests that while the company has substantial liabilities, it maintains a healthy level of equity relative to its total assets. Overall, the balance sheet indicates financial stability with a conservative leverage approach, though enhancing equity levels could further strengthen the company's financial position.

Cash Flow

The cash flow statement highlights a positive trajectory in free cash flow with a growth rate of 3.87% from the previous year, reflecting improved cash generation capabilities. The operating cash flow to net income ratio of 1.11 signifies that operating cash flows are sufficient to cover net income, indicating solid cash flow management. The free cash flow to net income ratio is 1.04, further supporting efficient cash utilization. Overall, the cash flow statement showcases strong cash flow generation and effective cash management, reinforcing the company's financial health.

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: 4.37
• 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 4.37 is above the 20-day moving average (MA) of 4.35, below the 50-day MA of 4.44, and below the 200-day MA of 4.51, indicating a neutral trend. The MACD of -0.05 indicates Negative momentum. The RSI at 49.17 is Neutral, neither overbought nor oversold. The STOCH value of 77.38 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	77 Outperform	$51.23M	3.39	14.85%	―	25.77%	12.09%
HFBL	69 Neutral	$41.66M	10.57	7.20%	3.94%	-2.93%	7.89%
Sector *	68 Neutral	$17.69B	11.82	10.30%	3.73%	9.66%	0.42%
TCBS	57 Neutral	$47.47M	20.34	4.50%	1.00%	13.47%	―
PBBK	―	$49.23M	20.59	4.53%	―	―	―
CLST	57 Neutral	$53.29M	22.99	2.69%	―	107.33%	―
CFSB	54 Neutral	$91.35M	―	>-0.01%	―	13.69%	77.14%

Optimumbank Holdings Corporate Events

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.

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.