OptimumBank Holdings, Inc. (OPHC)

NYSEAMERICAN: OPHC · USD

$9.15

+0.15 (+1.7%)· Recorded snapshot

Market cap	220.3M
Revenue (ttm)	56.9M
Net income (ttm)	20.5M
EPS (ttm)	$0.87
Shares out	24.1M
P/E (trailing)	10.5x
P/E (forward)	8.3x
Volume	68,666
Beta	0.31

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 56.9M
Net income (ttm): 20.5M
EPS (ttm): $0.87
P/E (trailing): 10.5x
P/E (forward): 8.3x
Market cap: 220.3M

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	خرید قوی
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	خرید قوی
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	نگه‌داری

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E8.3

P25 n/aP50 n/aP75 n/a

Trailing P/E10.5

P25 n/aP50 n/aP75 n/a

ROE16.7

P25 n/aP50 n/aP75 n/a

ROICn/a

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All OPHC indicators

Market & fundamental data

Available fields

231

Groups with data

Currency

USD

Showing 231 of 231 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	USD
CIK code	0001288855
Company name	OptimumBank Holdings, Inc.
Country	United States
Country code	US
CUSIP number	68401P403
Earnings date	2026-11-09
Earnings time	bmo
Employees	98
Employees change	25
Employees growth	34.25%
Enterprise value	$115.6M
Exchange	NYSEAMERICAN
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-05-09
Fiscal year end	December
Founded	2000
Industry	Banks - Regional
Is primary listing	Yes
Is SPAC	No
ISIN number	US68401P4037
Last 10-K release date	2026-02-26
Last earnings date	2026-07-24
Last refreshed	2026-10-28
Last stock split date	2016-01-12
Last stock split type	Reverse
Market cap	$220.3M
Market cap category	Micro-Cap
Next earnings date	2026-11-09
Options	No
Price	$9.15
Price currency	USD
Sector	Financials
SIC code	6021
Stock price date	2026-10-28
Symbol	OPHC
U.S. state	Florida
Website	https://www.optimumbank.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Average P/E ratio (10Y)	5.38x
Average P/E ratio (3Y)	3.85x
Average P/E ratio (5Y)	4.34x
Earnings yield	9.51%
EV/Earnings	5.48x
EV/FCF	4.41x
EV/Sales	1.97x
FCF / EV yield	22.69%
FCF yield	11.74%
Forward P/E	8.28x
Graham number	10.51437
Graham upside	16.7%
Industry forward P/E	9.95x
Industry P/E	11.8x
Lynch fair value	$21.75
Lynch upside	141.45%
P/B ratio	1.59x
P/E ratio	10.52x
P/FCF ratio	8.52x
P/OCF ratio	8.13x
P/S ratio	3.81x
Price / tangible book value	1.61x
Sector forward P/E	13.61x
Sector P/E	15.68x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Effective tax rate	24.53%
FCF margin	44.77%
Operating margin	48.9%
Pretax margin	47.73%
Profit margin	36.02%
Profit per employee	$209,122
Profitable quarters	23
Profitable years	5
Revenue per employee	$580,541
ROA	1.71%
ROA (5Y)	1.41%
ROE	16.68%
ROE (5Y)	13.95%
SBC / revenue	1.77%
Tax / revenue	11.71%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	65.69%
EPS growth (Q)	86.67%
EPS growth (QoQ)	40%
EPS growth 3Y	8.35%
EPS growth 5Y	32.33%
EPS growth quarters	4
EPS growth years	1
FCF growth	39.15%
FCF growth (Q)	67.4%
FCF growth (QoQ)	31.99%
FCF growth 3Y	33.57%
FCF growth 5Y	134.14%
Net income growth	39.2%
Net income growth (Q)	84.76%
Net income growth (QoQ)	42.72%
Net income growth 3Y	63.51%
Net income growth 5Y	98.5%
Net income growth quarters	14
Net income growth years	3
OCF growth	38.67%
OCF growth (Q)	67.03%
OCF growth (QoQ)	30.67%
OCF growth 10Y	67.68%
OCF growth 3Y	33.43%
OCF growth 5Y	110.05%
Revenue growth	37.86%
Revenue growth (Q)	56.04%
Revenue growth (QoQ)	21.19%
Revenue growth 10Y	30.33%
Revenue growth 3Y	44.27%
Revenue growth 5Y	53.99%
Revenue growth quarters	24
Revenue growth years	6

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	$-1.2M
EPS	$0.87
FCF per share	$1.06
Financing cash flow	$375.1M
Free cash flow	$25.5M
Gross profit	$56.9M
Income taxes	$6.7M
Investing cash flow	$-437.3M
Net borrowing	$39M
Net cash flow	$-35.5M
Net income	$20.5M
Operating income	$27.8M
Revenue	$56.9M
Stock-based compensation	$1M

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Book value per share	$5.65
Debt / equity	0.31
Debt / FCF	1.63
Net cash (debt)	$104.7M
Net cash / market cap	48.25%
Net cash growth	-41.54%
Net debt / equity	-0.78
Net debt / FCF	-4.11
Piotroski F-Score	4
Property, plant and equipment	$5.5M
Shareholders' equity	$134.4M
Tangible book value	$134.4M
Tangible book value per share	$5.65
Total assets	$1.4B
Total cash	$146.2M
Total debt	$41.5M
Total liabilities	$1.3B
WACC	4.99%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working capital	$-1.1B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	16.44%
Dividend yield	0%
Shareholder yield	16.44%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y price change	134.62%
10Y return CAGR	8.9%
10Y total return	134.62%
150-day SMA	$7.07
15Y price change	-53.32%
15Y return CAGR	-4.95%
15Y total return	-53.32%
1D price change	1.67%
1M price change	3.39%
1M total return	3.39%
1W price change	5.54%
1W total return	5.54%
1Y price change	122.63%
1Y return CAGR	122.75%
1Y total return	122.63%
20-day SMA	$8.82
200-day SMA	$6.57
20Y price change	-99.38%
20Y return CAGR	-22.45%
20Y total return	-99.38%
3M price change	37.18%
3M total return	37.18%
3Y price change	189.56%
3Y return CAGR	42.52%
3Y total return	189.56%
50-day SMA	$8.98
50-day SMA vs 200-day SMA	50over200
52-week high	$10.68
52-week high date	2026-08-17
52-week low	$3.92
52-week low date	2025-11-05
5Y price change	71.67%
5Y return CAGR	11.42%
5Y total return	71.67%
6M price change	64.57%
6M total return	64.57%
All-time high	$2,071.80
All-time high date	2006-05-15
All-time low	$1.68
All-time low date	2020-05-05
Average true range (ATR)	$0.40
Average volume	63.3K
Beta (1Y)	0.73
Beta (2Y)	0.8
Beta (5Y)	0.31
Change from 52-week high	-14.33%
Change from 52-week low	133.42%
Change from all-time high	-99.56%
Change from all-time low	444.64%
Change from open	0.55%
Day's gap	1.11%
Dollar volume	$628,294
High price	$9.26
Low price	$9.08
Monthly RSI	84.14
Open price	$9.10
Position in 52-week range	38.89%
Previous close	$9.00
Price vs 150-day SMA	29.51%
Price vs 20-day SMA	3.69%
Price vs 200-day SMA	39.23%
Price vs 50-day SMA	1.89%
Relative volume	1.08
RSI	56.77
Sharpe ratio	2.16
Sharpe ratio (3Y)	1.09
Sharpe ratio (5Y)	0.39
Sortino ratio	4.44
Sortino ratio (3Y)	2
Sortino ratio (5Y)	0.76
Volume	68.7K
Weekly RSI	68.28
YTD price change	115.29%
YTD total return	115.29%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	10.4M
Float percentage	42.98%
Shares change (QoQ)	0.43%
Shares change (YoY)	-16.44%
Shares held by insiders	9.43%
Shares held by institutions	9.83%
Shares outstanding	24.1M
Short % of float	0.29%
Short % of shares	0.12%
Short ratio	1.1 days

Deeper analysis on OPHC

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

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Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

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Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

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Frequently asked questions

About this OPHC report

Is a complete OPHC research report available?

No complete published report is available for OptimumBank Holdings, Inc. (OPHC) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

OptimumBank Holdings, Inc. (OPHC)

Price

Financial snapshot

Fair-value bridge

Latest news · OPHC

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All OPHC indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on OPHC

Frequently asked questions