Financials / Banks - RegionalUpdated 2026-05-10 22:07 UTC

OPHC stock hub

OptimumBank Holdings, Inc. has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

68M

NYSEAMERICAN

Market data

Live price

Current market quote for this ticker.

Current price

OPHC

In the news

Latest news · OPHC

Recent company headlines from major financial publishers.

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Fetching the latest headlines.

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Fetching the latest headlines.

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Fetching the latest headlines.

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/E6.5

P25 8.8P50 10.4P75 13.1

Trailing P/E7.6

P25 10.9P50 14.7P75 36.2

ROE14.9

P25 4.9P50 10.4P75 15

ROICn/a

P25 -1.3P50 6.6P75 12.7

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All OPHC market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

191

Groups with data

Currency

USD

Showing 191 of 191 available metrics for this ticker.

Profile and market data

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

Metric	Value
Cik	0001288855
Company name	OptimumBank Holdings, Inc.
Country	United States
Country code	US
Cusip	68401P403
Employees	98
Employees Change	25%
Employees Change Percent	34.25
Enterprise value	$-29.4M
Exchange	NYSEAMERICAN
Financial currency	USD
First seen	2026-05-09
Industry	Banks - Regional
Isin	US68401P4037
Last refreshed	2026-05-10
Market cap	$68M
Market cap category	Micro-Cap
Price	$5.59
Price currency	USD
Rev Per Employee	517,367.35x
Sector	Financials
Sic	6021
Symbol	OPHC
Website	https://www.optimumbank.com

Valuation

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

Metric	Value
Earnings Yield	25.64%
Forward P/E	6.54x
P/B ratio	0.54x
P/E ratio	7.56x
P/S ratio	1.34x
PE Ratio3 Y	3.93x
PE Ratio5 Y	5.33x

Profitability

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

Metric	Value
Gross Profit	$50.7M
Net Income	$17.4M
Net Income Growth	19.32%
Net Income Growth Q	20.49%
Net Income Growth Quarters	12%
Net Income Growth Years	3%
Net Income Growth3 Y	59.22%
Pretax Margin	45.7%
Profit Margin	34.4%
Profit Per Employee	$177,969
Profitable Years	5
ROA	1.55
Roa5y	1.41
ROE	14.85
Roe5y	13.95

Growth

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

Metric	Value
Cagr10y	3.1%
Cagr15y	-16.89%
Cagr1y	24.08%
Cagr20y	-25.17%
Cagr3y	23.05%
Cagr5y	9.06%
EPS Growth	-44.47
EPS Growth Q	-37.5
EPS Growth Quarters	2
EPS Growth Years	1
EPS Growth3 Y	3.79
Revenue Growth	26.82x
Revenue Growth Q	31.21x
Revenue Growth Quarters	22x
Revenue Growth Years	6x
Revenue Growth3 Y	44.48x
Revenue Growth5 Y	57.27x

Financial strength

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

Metric	Value
Assets	$1.3B
Cash	$140M
Debt	$42.6M
Equity	$126.8M
Liabilities	$1.1B
Net Cash	$97.4M
Net Cash By Market Cap	$143
Net Cash Growth	-25.51%
Net Debt Equity	$-0.77
Tangible Book Value	$126.8M
Tangible Book Value Per Share	$10.43
WACC	3.74

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working Capital	$-948.9M

Dividends and buybacks

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

Metric	Value
Buyback Yield	-114.26%
Dividend Yield	0%

Performance and technicals

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

Metric	Value
10Y total return	35.65%
1Y total return	24.06%
200-day SMA	4.61
3Y total return	86.33%
50-day SMA	5.35
50-day SMA vs 200-day SMA	50over200
5Y total return	54.26%
All Time High	2,071.8
All Time High Change	-99.73%
All Time High Date	2006-05-15
All Time Low	1.68
All Time Low Change	232.74%
All Time Low Date	2020-05-05
ATR	0.13
Beta	0.33
Beta1y	0.23
Beta2y	0.59
Ch YTD	31.53
High	5.6
High52	5.64
High52 Date	2026-05-06
High52ch	-0.89%
Low	5.5
Low52	3.91
Low52 Date	2025-10-21
Low52ch	42.97%
Ma50ch	4.49%
Price vs 200-day SMA	21.26%
RSI	59.47
RSI Monthly	69.34
RSI Weekly	68.02
Sharpe ratio	0.77x
Sortino ratio	1.4
Total Return	-114.26%
Tr YTD	31.53
Tr15y	-93.76%
Tr1m	5.87%
Tr1w	0.36%
Tr3m	10.47%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Analyst Count	1
Analyst Ratings	Strong Buy
Earnings EPS Estimate	$0.22
Earnings EPS Estimate Growth	-31.25
Earnings Revenue Estimate	2,700,000x
Earnings Revenue Estimate Growth	-74.66x
Operating Income	$23.8M
Operating margin	47.02
Price target	$6.5
Price Target Change	$16.28

Ownership and float

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

Metric	Value
Float	9,479,122%
Float Percent	77.91%
Shares Insiders	19.01%
Shares Institutions	13.52%
Shares Out	12,166,858
Shares Qo Q	0.89%
Shares Yo Y	114.26%
Short Float	0.31%
Short Ratio	0.39
Short Shares	0.24

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Average Volume	47,846.7x
Bv Per Share	10.43
Ch10y	35.65
Ch15y	-93.76
Ch1m	5.87
Ch1w	0.36
Ch1y	24.06
Ch20y	-99.7
Ch3m	10.47
Ch3y	86.33
Ch5y	54.25
Ch6m	40.1
Change	0.54%
Change From Open	1.64
Close	5.56
Days Gap	-1.08
Dollar Volume	159,376.5
Earnings Date	2026-04-24
Earnings Time	bmo
EPS	$0.74
F Score	2
Fiscal Year End	December
Founded	2,000
Graham Number	13.17098
Graham Upside	135.6
Income Tax	$5.7M
Is Primary Listing	1
Is Spac	No
Last Earnings Date	2026-04-24
Last Report Date	2026-03-31
Last Split Date	2016-01-12
Last Split Type	Reverse
Last10k Filing Date	2026-02-26
Lynch Fair Value	$18.49
Lynch Upside	230.7
Ma150	4.72
Ma150ch	18.56%
Ma20	5.47
Ma20ch	2.19%
Next Earnings Date	2026-08-06
Open	5.5
Optionable	No
Position In Range	90
Ppne	5,308,000
Price Date	2026-05-08
Ptbv Ratio	0.54
Relative Volume	0.6x
Revenue	50,702,000x
Tax By Revenue	11.31x
Tax Rate	24.74%
Tr20y	-99.7%
Tr6m	40.1%
Us State	Florida
Volume	28,511

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

Does OPHC pay a dividend?

Capital-return profile for this ticker.

Performance

OPHC stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns OPHC?

Insider, institutional, and short-interest positioning.

Institutional ownership

+13.5%

Float: +77.9% of shares outstanding

Insider ownership

+19.0%

Stake held by company insiders. Higher generally signals alignment.

Negative means the company is buying back shares.

Technical

OPHC momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

59.5

Neutral momentum band

Price vs 200-day MA

+21.3%

50/200-day relationship not available

Beta (5Y)

0.33

Less volatile than the market

Sharpe ratio

0.77

Risk-adjusted return — higher is better; >1.0 is solid.

Peers

OPHC vs. sector cohort

Currency-neutral comparison: P/E, P/S, ROIC, 5Y revenue CAGR, and 1Y total return. Market-cap column appears only when every peer reports in the same currency.

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
AXP	American Express Company	215.6B	19.7x	3.1x	11.5%	+15.5%	+15.6%	घटाएँ
BAC	Bank of America Corporation	364.1B	12.7x	3.3x	—	+6.3%	+28.2%	घटाएँ
BK	The Bank of New York Mellon Corporation	89.6B	16.2x	4.3x	—	+6.0%	+58.4%	घटाएँ

Questions

About OPHC

Hub-level FAQ points readers to the deeper analysis pages.

What is the current OPHC stock rating?

OptimumBank Holdings, Inc. is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full OPHC analysis?

The full report lives at /stocks/OPHC/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for OPHC?

The latest report frames OPHC around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the OPHC page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.