Optimumbank Holdings (OPHC) AI Stock Analysis

• Market Cap: $47.30M
• Dividend Yield: N/A
• Average Volume (3M): 12.23K
• Price to Earnings (P/E): 3.1
• Beta (1Y): 0.66
• Revenue Growth: 14.91%
• EPS Growth: 0.81%
• Country: US
• Employees: 73
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.18
• Shares Outstanding: 11,751,082
• 10 Day Avg. Volume: 10,619
• 30 Day Avg. Volume: 12,234
• PEG Ratio: 0.06
• Price to Book (P/B): 0.44
• Price to Sales (P/S): 0.70
• P/FCF Ratio: 3.07
• Enterprise Value/Market Cap: 1.03
• Enterprise Value/Revenue: 0.71
• Enterprise Value/Gross Profit: 1.11
• Enterprise Value/Ebitda: 2.24
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 72 Outperform
• Price Target: $4.50 ▲(8.43% Upside)

Optimumbank Holdings shows a strong financial foundation with consistent revenue growth and low leverage, contributing significantly to the overall score. The stock's undervaluation presents a potential opportunity, although technical indicators suggest caution due to approaching overbought conditions.

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. 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 such as account maintenance fees, transaction fees, and wealth management services. Investment income from the bank's securities portfolio also contributes to revenue. Strategic partnerships with financial technology firms enhance the bank’s offerings and attract a broader customer base, further supporting its earnings. Overall, the company’s diversified approach to financial services allows it to capitalize on various market opportunities and mitigate risks.

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	68.67M	64.25M	39.23M	22.84M	11.82M	7.00M
Gross Profit	43.82M	37.09M	23.12M	15.33M	9.66M	4.26M
EBITDA	21.78M	18.23M	9.02M	5.96M	3.37M	-455.00K
Net Income	15.75M	13.12M	6.28M	4.02M	6.30M	-782.00K
Balance Sheet
Total Assets	1.08B	932.93M	791.25M	585.22M	351.88M	235.11M
Cash, Cash Equivalents and Short-Term Investments	235.09M	116.40M	101.02M	96.94M	93.36M	73.52M
Total Debt	2.85M	102.77M	126.25M	22.17M	37.77M	25.99M
Total Liabilities	966.15M	829.75M	721.25M	522.64M	313.37M	217.28M
Stockholders Equity	116.89M	103.18M	70.01M	62.58M	38.51M	17.83M
Cash Flow
Free Cash Flow	16.94M	14.62M	6.21M	10.04M	3.38M	-1.66M
Operating Cash Flow	17.16M	15.61M	6.88M	10.36M	3.76M	-1.46M
Investing Cash Flow	-34.50M	-125.47M	-199.66M	-229.80M	-108.76M	-62.77M
Financing Cash Flow	120.82M	126.83M	197.61M	232.31M	109.34M	109.93M

Optimumbank Holdings Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 4.15
• 50DMA: Positive
• 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 Positive. The current price of 4.15 is above the 20-day moving average (MA) of 4.06, above the 50-day MA of 4.10, and below the 200-day MA of 4.30, indicating a neutral trend. The MACD of 0.01 indicates Negative momentum. The RSI at 55.90 is Neutral, neither overbought nor oversold. The STOCH value of 77.36 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
HFBL	78 Outperform	$48.61M	10.75	8.21%	3.45%	0.32%	37.93%
OPHC	72 Outperform	$47.30M	3.13	15.03%	―	14.91%	0.81%
ASRV	68 Neutral	$51.21M	10.12	4.54%	3.92%	6.89%	―
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
TCBS	55 Neutral	$46.02M	18.57	4.74%	1.02%	12.12%	―
BAFN	54 Neutral	$35.76M	-2.78	-11.14%	3.95%	1.63%	-508.72%

Optimumbank Holdings Corporate Events

OptimumBank Reports Strong Q3 2025 Earnings Growth

OptimumBank Holdings, Inc. is a one-bank holding company based in Fort Lauderdale, Florida, operating in the financial services sector with a focus on providing banking solutions through its wholly-owned subsidiary, OptimumBank.

OptimumBank Holdings Reports Strong Q3 2025 Financial Results

On November 12, 2025, OptimumBank Holdings, Inc. announced its financial results for the third quarter of 2025, reporting net earnings of $4.32 million, an increase from previous quarters. The company experienced significant growth in deposits and loans, with total deposits reaching $959.49 million and gross loans increasing to $813.72 million. The growth was driven by improved net interest income and noninterest income, despite higher noninterest expenses. The company maintained strong capital levels and expressed confidence in its continued growth and strategic investments.

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 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.