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OptimumBank Holdings, Inc. (OPHC)

9.15 +0.03 (+0.33%)
At close: October 30 at 4:00:00 PM EDT
8.90 -0.25 (-2.73%)
After hours: October 30 at 6:47:06 PM EDT
Chart Range Bar
Loading chart for OPHC
  • Previous Close 9.12
  • Open 9.16
  • Bid 9.09 x 20000
  • Ask 10.36 x 40000
  • Day's Range 8.91 - 9.24
  • 52 Week Range 3.92 - 10.68
  • Volume 59,983
  • Avg. Volume 113,707
  • Market Cap (intraday) 115.568M
  • Beta (5Y Monthly) 0.31
  • PE Ratio (TTM) 10.52
  • EPS (TTM) 0.87
  • Earnings Date (est.) Nov 5, 2026
  • Forward Dividend & Yield -- (0.00%)
  • 1y Target Est 10.92
  • Zacks Rating Bullish

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, money market, and NOW accounts, as well as time deposits, wire transfers, ACH services, and certificates of deposit. It also offers multi-family real estate, residential and commercial real estate, and land and construction loans; commercial loans for working capital purposes or acquiring equipment, inventory, and furniture; and consumer loans for various purposes, including purchases of automobiles, recreational vehicles, boats, home improvements, lines of credit, personal, and deposit account collateralized loans. In addition, the company provides debit and ATM cards; cash management, notary, and night depository services; and direct deposits, money orders, cashier's checks, domestic collections, and banking by mail. OptimumBank Holdings, Inc. was founded in 2000 and is headquartered in Fort Lauderdale, Florida.

www.optimumbank.com

98

Full Time Employees

December 31

Fiscal Year Ends

Banks - Regional

Industry

Performance Overview

Trailing total returns as of 10/30/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC) .

YTD Return

OPHC
115.29%
S&P 500 (^GSPC)
10.73%

1-Year Return

OPHC
124.26%
S&P 500 (^GSPC)
11.11%

3-Year Return

OPHC
189.56%
S&P 500 (^GSPC)
81.91%

5-Year Return

OPHC
74.29%
S&P 500 (^GSPC)
64.59%

Earnings Trends

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Earnings Per Share

GAAP
Normalized
GAAP
Normalized

Revenue vs. Earnings

Annual
Quarterly
Annual
Quarterly
Q2 FY26
Revenue --
Earnings 6.66M
Profit Margin 0.00%

Q3

FY25

Q4

FY25

Q1

FY26

Q2

FY26

0
2M
4M
6M
0.0%

Analyst Insights

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Analyst Price Targets

10.50
10.92 Average
9.15 Current
11.25 High

Analyst Recommendations

  • Strong Buy
  • Buy
  • Hold
  • Underperform
  • Sell

Latest Rating

Date 5/13/2026
Analyst Compass Point
Rating Action Upgrade
Rating Buy
Price Action Raises
Price Target 6 -> 6.5

Statistics

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Valuation Measures

Annual
As of 10/30/2026
  • Market Cap

    115.57M

  • Enterprise Value

    --

  • Trailing P/E

    10.52

  • Forward P/E

    6.61

  • PEG Ratio (current)

    0.30

  • Price/Sales (ttm)

    3.67

  • Price/Book (mrq)

    0.84

  • Enterprise Value/Revenue

    --

  • Enterprise Value/EBITDA

    --

Financial Highlights

Profitability and Income Statement

  • Profit Margin

    36.02%

  • Return on Assets (ttm)

    1.71%

  • Return on Equity (ttm)

    16.68%

  • Revenue (ttm)

    56.89M

  • Net Income Avi to Common (ttm)

    20.49M

  • Diluted EPS (ttm)

    0.87

Balance Sheet and Cash Flow

  • Total Cash (mrq)

    146.24M

  • Total Debt/Equity (mrq)

    --

  • Levered Free Cash Flow (ttm)

    --

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Company Insights

Fair Value

9.15 Current

Dividend Score

0 Low
Sector Avg.
100 High

Hiring Score

0 Low
Sector Avg.
100 High

Insider Sentiment Score

0 Low
Sector Avg.
100 High

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