Want to see OPHC full AI Analyst Report?
Top Page
Optimumbank Holdings
(OPHC)
Select Model
Select Model
Rating:77Outperform
Price Target:
$10.50
▲(66.67% Upside)
Action:Reiterated
Date:08/04/26
OPHC scores well primarily on strong financial performance (profitability, improving leverage, and solid cash generation) and very attractive valuation (low P/E). The main offset is technical risk: indicators show strong momentum but clearly overbought conditions, which can increase near-term volatility. Corporate updates are positive and supportive, but secondary to fundamentals and valuation.
Positive Factors
Strong cash generation
Consistent and accelerating operating and free cash flow that track reported earnings indicates high earnings quality and durable internal funding. This strengthens the bank's ability to fund loan growth, support capital ratios, invest in initiatives like OptimumFinance, and absorb cyclical credit or funding pressures over the next several months.
Negative Factors
Sensitivity from rapid past balance-sheet growth
Rapid asset and loan growth historically increases exposure to underwriting and funding stress; although leverage has improved, the pace of prior expansion means credit quality and liquidity metrics could worsen if macro or local loan-market conditions reverse, raising provisioning and capital needs in the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong cash generation
Consistent and accelerating operating and free cash flow that track reported earnings indicates high earnings quality and durable internal funding. This strengthens the bank's ability to fund loan growth, support capital ratios, invest in initiatives like OptimumFinance, and absorb cyclical credit or funding pressures over the next several months.
Read all positive factors
Optimumbank Holdings (OPHC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$93.24M
Dividend YieldN/A
Average Volume (3M)12.23K
Price to Earnings (P/E)4.4
Beta (1Y)0.62
Revenue Growth24.01%
EPS Growth17.08%
CountryUS
Employees98
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.48
Shares Outstanding12,268,363
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$6.50Price Target Upside3.17% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)0.84
Revenue Forecast (FY)N/A
Optimumbank Holdings Business Overview & Revenue Model
Company Description
OptimumBank Holdings, Inc. operates as the bank holding company for OptimumBank, which provides various consumer and commercial banking services to individuals and businesses. The company accepts interest-bearing and noninterest-bearing, savings, ...
How the Company Makes Money
OPHC primarily makes money through its banking subsidiary by earning (1) net interest income and (2) non-interest income. Net interest income is generated from the spread between interest earned on loans and other interest-earning assets and inter...
Optimumbank Holdings Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
74
Positive
Cash Flow
81
Very Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 76.13M | 71.13M | 64.25M | 39.23M | 22.84M | 11.82M |
| Gross Profit | 50.71M | 47.33M | 37.09M | 23.12M | 15.33M | 9.66M |
| EBITDA | 24.17M | 23.05M | 18.23M | 9.02M | 5.96M | 3.37M |
| Net Income | 17.44M | 16.65M | 13.12M | 6.28M | 4.02M | 6.30M |
Balance Sheet | ||||||
| Total Assets | 1.27B | 1.11B | 932.93M | 791.25M | 585.22M | 351.88M |
| Cash, Cash Equivalents and Short-Term Investments | 140.02M | 114.56M | 116.40M | 101.02M | 96.94M | 93.36M |
| Total Debt | 42.65M | 52.74M | 102.77M | 126.25M | 22.17M | 37.77M |
| Total Liabilities | 1.14B | 989.78M | 829.75M | 721.25M | 522.64M | 313.37M |
| Stockholders Equity | 126.85M | 121.90M | 103.18M | 70.01M | 62.58M | 38.51M |
Cash Flow | ||||||
| Free Cash Flow | 22.13M | 16.95M | 14.62M | 6.21M | 10.04M | 3.38M |
| Operating Cash Flow | 22.58M | 17.84M | 15.61M | 6.88M | 10.36M | 3.76M |
| Investing Cash Flow | -295.94M | -156.68M | -125.47M | -199.66M | -229.80M | -108.76M |
| Financing Cash Flow | 269.92M | 159.77M | 126.83M | 197.61M | 232.31M | 109.34M |
Optimumbank Holdings Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | $93.24M | 4.39 | 16.39% | ― | 24.01% | 17.08% | |
76 Outperform | $71.29M | 11.39 | 10.42% | 2.53% | 7.71% | 60.72% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $77.53M | 9.01 | 7.32% | 2.76% | 4.91% | 127.20% | |
58 Neutral | $50.78M | 16.45 | 5.66% | 1.30% | 3.83% | 59.54% | |
51 Neutral | $27.23M | -0.92 | -30.79% | 1.33% | -18.73% | -401.58% |
* Financial Sector Average
OPHC
Optimumbank Holdings
8.79
4.74
117.04%
ASRV
Ameriserv Financial
4.62
1.80
63.60%
HFBL
Home Federal Bancorp Of Louisiana
23.30
10.45
81.35%
BAFN
BayFirst Financial Corp
6.24
-6.02
-49.10%
TCBS
Texas Community
17.36
1.78
11.43%
Optimumbank Holdings Corporate Events
Business Operations and StrategyExecutive/Board ChangesFinancial Disclosures
OptimumBank Reports Record Second-Quarter 2026 Earnings Growth
Positive
Jul 24, 2026
OptimumBank Holdings, Inc. reported strong second-quarter 2026 results on July 24, 2026, delivering record net income of $6.7 million and net income of $11.3 million for the first half of 2026, driven by higher net interest income, rising noninter...
Business Operations and StrategyExecutive/Board Changes
OptimumBank Announces CEO Transition and New Leadership Team
Positive
May 5, 2026
OptimumBank Holdings, Inc., the parent of community lender OptimumBank, announced a leadership transition effective May 1, 2026, as long-time principal executive officer Timothy Terry retired from his roles at both the holding company and the bank...
Business Operations and StrategyExecutive/Board ChangesShareholder Meetings
Optimumbank Shareholders Approve Directors and Capital Structure Changes
Positive
May 4, 2026
At its annual meeting of shareholders held on April 28, 2026, OptimumBank Holdings, Inc. reported that 73.91% of eligible common shares were represented, and shareholders elected six directors, including Moishe Gubin, Joel Klein, Avi Zwelling, Tho...
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.