OPHC
OptimumBank Holdings, Inc.
Price Chart
Latest Quote
$5.76
-0.09 (-1.54%)
Current Price
| Previous Close | $5.85 |
| Open | $5.85 |
| Day High | $5.83 |
| Day Low | $5.66 |
| Volume | 43,804 |
Stock Information
| Shares Outstanding | 12.27M |
| Total Debt | $42.65M |
| Cash Equivalents | $140.02M |
| Revenue | $50.70M |
| Net Income | $17.44M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $70.67M |
| P/E Ratio | 9.76 |
| EPS (TTM) | $0.59 |
| Exchange | ASE |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $-27.29M |
| Sales | $50.70M |
| Income | $17.44M |
| Book/sh | $10.43 |
| Cash/sh | $11.41 |
| Employees | 98 |
Financial Ratios
| EPS Growth TTM | 20.50% |
Returns & Margins
| ROA | 1.55% |
| ROE | 14.85% |
| Operating Margin | 44.91% |
| Profit Margin | 34.40% |
Ownership
| Insider Ownership | 18.50% |
| Institutional Ownership | 13.62% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 5.43 |
| PEG | 1.03 |
| P/S | 1.39 |
| P/B | 0.55 |
Analyst Data
| Recommendation | none |
| Target Price | $7.17 |
Technical Indicators
| SMA20 | $5.58 |
| SMA50 | $5.51 |
| SMA200 | $4.78 |
| RSI | 67.16 |
| ATR | 0.1157 |
| Shares Float | 9.48M |
| Short Float | 0.04% |
| Short Ratio | 0.17 |
| Volatility | 0.30 |
| Rel Volume | 1.27 |
Performance History
| Week | +4.35% |
| Month | +4.73% |
| Quarter | +12.94% |
| 6 Months | +34.27% |
| YTD | +35.85% |
| Year | +30.91% |
| 3 Years | +86.41% |
| 5 Years | +12.94% |
| 10 Years | +37.80% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-22 | $5.76 | 45,200 |
| 2026-06-18 | $5.85 | 105,300 |
| 2026-06-17 | $5.79 | 22,000 |
| 2026-06-16 | $5.80 | 62,900 |
| 2026-06-15 | $5.75 | 179,400 |
| 2026-06-12 | $5.52 | 22,200 |
| 2026-06-11 | $5.54 | 6,300 |
| 2026-06-10 | $5.50 | 4,500 |
| 2026-06-09 | $5.50 | 27,300 |
| 2026-06-08 | $5.51 | 23,600 |
| 2026-06-05 | $5.50 | 12,700 |
| 2026-06-04 | $5.46 | 9,100 |
| 2026-06-03 | $5.45 | 12,800 |
| 2026-06-02 | $5.54 | 16,000 |
| 2026-06-01 | $5.53 | 24,800 |
| 2026-05-29 | $5.50 | 17,700 |
| 2026-05-28 | $5.55 | 3,200 |
| 2026-05-27 | $5.50 | 41,100 |
| 2026-05-26 | $5.49 | 67,400 |
About OptimumBank Holdings, Inc.
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.
đ° Latest News
Here is why OptimumBank Holdings, Inc. (OPHC) is among the Best Growth Stocks to Buy with Low P/E Ratios
Insider Monkey âĸ 2026-05-31T14:40:38Z
OptimumBank Holdings Inc (OPHC) Q4 2025 Earnings Call Highlights: Record Growth and Strategic ...
GuruFocus.com âĸ 2026-02-18T21:06:29Z3 Penny Stocks With Market Caps Over $50M To Watch
Simply Wall St. âĸ 2026-02-06T12:05:52Z
OptimumBank Holdings Inc (OPHC) Q3 2025 Earnings Call Highlights: Record Earnings and Strategic ...
GuruFocus.com âĸ 2025-11-13T21:05:18Z
OptimumBank Holdings Inc. (OPHC) Choses IBN to Lead Its Corporate Communications Strategy
Insider Monkey âĸ 2025-09-27T14:26:21Z
Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $49,361,000 | $39,313,000 | $27,165,000 | $18,796,000 |
| Operating Revenue | $49,361,000 | $39,313,000 | $27,165,000 | $18,796,000 |
| Expenses | ||||
| Interest Expense | $21,767,000 | $24,939,000 | $12,067,000 | $4,046,000 |
| General And Administrative Expense | $14,795,000 | $11,103,000 | $8,261,000 | $5,449,000 |
| Professional Expense And Contract Services Expense | $1,131,000 | $1,073,000 | $729,000 | $546,000 |
| Other Non Interest Expense | $7,997,000 | $6,400,000 | $4,523,000 | $3,226,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $16,648,000 | $13,124,000 | $6,283,000 | $4,023,000 |
| Net Interest Income | $42,587,000 | $34,690,000 | $23,713,000 | $15,836,000 |
| Interest Income | $64,354,000 | $59,629,000 | $35,780,000 | $19,882,000 |
| Normalized Income | $16,648,000 | $13,124,000 | $6,561,625 | $4,023,000 |
| Net Income From Continuing And Discontinued Operation | $16,648,000 | $13,124,000 | $6,283,000 | $4,023,000 |
| Net Income Common Stockholders | $16,648,000 | $13,124,000 | $6,283,000 | $4,023,000 |
| Net Income | $16,648,000 | $13,124,000 | $6,283,000 | $4,023,000 |
| Net Income Including Noncontrolling Interests | $16,648,000 | $13,124,000 | $6,283,000 | $4,023,000 |
| Net Income Continuous Operations | $16,648,000 | $13,124,000 | $6,283,000 | $4,023,000 |
| Pretax Income | $22,171,000 | $17,631,000 | $8,457,000 | $5,392,000 |
| Special Income Charges | - | $0 | $-375,000 | $0 |
| Per Share | ||||
| Diluted EPS | $0.71 | $1.33 | $0.87 | $0.68 |
| Basic EPS | $1.42 | $1.39 | $0.87 | $0.68 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $0 | $-96,375 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Reconciled Depreciation | $884,000 | $599,000 | $560,000 | $569,000 |
| Diluted Average Shares | $11,723,944 | $9,867,669 | $7,238,680 | $5,954,847 |
| Basic Average Shares | $11,723,944 | $9,441,727 | $7,238,680 | $5,954,847 |
| Diluted NI Availto Com Stockholders | $16,648,000 | $13,124,000 | $6,283,000 | $4,023,000 |
| Tax Provision | $5,523,000 | $4,507,000 | $2,174,000 | $1,369,000 |
| Selling General And Administration | $14,795,000 | $11,103,000 | $8,261,000 | $5,449,000 |
| Salaries And Wages | $14,795,000 | $11,103,000 | $8,261,000 | $5,449,000 |
| Occupancy And Equipment | $1,231,000 | $884,000 | $773,000 | $717,000 |
| Total Unusual Items | - | $0 | $-375,000 | $0 |
| Total Unusual Items Excluding Goodwill | - | $0 | $-375,000 | $0 |
| Other Special Charges | - | - | $375,000 | - |
| Insurance And Claims | - | - | - | $96,000 |
| Other Gand A | - | - | - | - |
Fetched: 2026-06-22
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $121,897,000 | $103,184,000 | $70,007,000 | $62,580,000 |
| Total Assets | $1,111,678,000 | $932,933,000 | $791,254,000 | $585,219,000 |
| Receivables | $3,621,000 | $3,348,000 | $2,474,000 | $1,444,000 |
| Accounts Receivable | $3,621,000 | $3,348,000 | $2,474,000 | $1,444,000 |
| Cash And Cash Equivalents | $114,559,000 | $93,630,000 | $76,663,000 | $71,836,000 |
| Cash Financial | $9,349,000 | $13,982,000 | $14,009,000 | $19,788,000 |
| Cash Cash Equivalents And Federal Funds Sold | $114,559,000 | $93,630,000 | $76,663,000 | $71,836,000 |
| Debt | ||||
| Total Debt | $52,745,000 | $52,774,000 | $64,248,000 | $12,172,000 |
| Long Term Debt And Capital Lease Obligation | $2,745,000 | $2,774,000 | $2,248,000 | $2,172,000 |
| Current Debt And Capital Lease Obligation | $50,000,000 | $50,000,000 | $62,000,000 | $10,000,000 |
| Current Debt | $50,000,000 | $50,000,000 | $62,000,000 | $10,000,000 |
| Other Current Borrowings | $50,000,000 | $50,000,000 | $62,000,000 | $10,000,000 |
| Long Term Debt | - | $50,000,000 | $62,000,000 | $10,000,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $989,781,000 | $829,749,000 | $721,247,000 | $522,639,000 |
| Equity | ||||
| Common Stock Equity | $121,897,000 | $103,184,000 | $70,007,000 | $62,580,000 |
| Total Equity Gross Minority Interest | $121,897,000 | $103,184,000 | $70,007,000 | $62,580,000 |
| Stockholders Equity | $121,897,000 | $103,184,000 | $70,007,000 | $62,580,000 |
| Gains Losses Not Affecting Retained Earnings | $-4,597,000 | $-5,570,000 | $-5,315,000 | $-5,826,000 |
| Retained Earnings | $13,801,000 | $-2,847,000 | $-15,971,000 | $-22,073,000 |
| Other | ||||
| Preferred Shares Number | $3 | $3 | $3 | $3 |
| Ordinary Shares Number | $11,533,943 | $11,636,092 | $7,250,219 | $7,058,897 |
| Share Issued | $11,533,943 | $11,636,092 | $7,250,219 | $7,058,897 |
| Tangible Book Value | $121,897,000 | $103,184,000 | $70,007,000 | $62,580,000 |
| Invested Capital | $171,897,000 | $153,184,000 | $132,007,000 | $72,580,000 |
| Capital Lease Obligations | $2,745,000 | $2,774,000 | $2,248,000 | $2,172,000 |
| Additional Paid In Capital | $112,578,000 | $111,485,000 | $91,221,000 | $90,408,000 |
| Capital Stock | $115,000 | $116,000 | $72,000 | $71,000 |
| Common Stock | $115,000 | $116,000 | $72,000 | $71,000 |
| Preferred Stock | $0 | $0 | $0 | $0 |
| Long Term Capital Lease Obligation | $2,745,000 | $2,774,000 | $2,248,000 | $2,172,000 |
| Investments And Advances | $25,398,000 | $23,054,000 | $24,715,000 | $25,642,000 |
| Held To Maturity Securities | $214,000 | $281,000 | $360,000 | $540,000 |
| Available For Sale Securities | $25,184,000 | $22,773,000 | - | - |
| Net PPE | $5,107,000 | $4,741,000 | $3,536,000 | $3,053,000 |
| Accumulated Depreciation | $-1,856,000 | $-1,388,000 | $-1,088,000 | $-861,000 |
| Gross PPE | $6,963,000 | $6,129,000 | $4,624,000 | $3,914,000 |
| Leases | $1,526,000 | $1,182,000 | $677,000 | $657,000 |
| Other Properties | $2,617,000 | $2,679,000 | $2,161,000 | $2,119,000 |
| Machinery Furniture Equipment | $2,820,000 | $2,268,000 | $1,786,000 | $1,138,000 |
| Total Capitalization | - | $153,184,000 | $132,007,000 | $72,580,000 |
| Other Short Term Investments | - | $22,773,000 | $24,355,000 | $25,102,000 |
| Buildings And Improvements | - | - | - | - |
| Land And Improvements | - | - | - | - |
Fetched: 2026-06-22
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $16,945,000 | $14,617,000 | $6,214,000 | $10,038,000 |
| Operating Activities | ||||
| Operating Cash Flow | $17,841,000 | $15,605,000 | $6,882,000 | $10,360,000 |
| Cash Flow From Continuing Operating Activities | $17,841,000 | $15,605,000 | $6,882,000 | $10,360,000 |
| Operating Gains Losses | - | - | - | - |
| Investing Activities | ||||
| Capital Expenditure | $-896,000 | $-988,000 | $-668,000 | $-322,000 |
| Investing Cash Flow | $-156,684,000 | $-125,470,000 | $-199,661,000 | $-229,802,000 |
| Cash Flow From Continuing Investing Activities | $-156,684,000 | $-125,470,000 | $-199,661,000 | $-229,802,000 |
| Net Other Investing Changes | $-99,000 | $425,000 | $-2,754,000 | $193,000 |
| Financing Activities | ||||
| Issuance Of Capital Stock | $217,000 | $19,818,000 | $324,000 | $24,866,000 |
| Financing Cash Flow | $159,772,000 | $126,832,000 | $197,606,000 | $232,308,000 |
| Cash Flow From Continuing Financing Activities | $159,772,000 | $126,832,000 | $197,606,000 | $232,308,000 |
| Net Preferred Stock Issuance | $0 | $1,932,000 | $0 | $15,000,000 |
| Preferred Stock Issuance | $0 | $1,932,000 | $0 | $15,000,000 |
| Net Common Stock Issuance | $217,000 | $17,886,000 | $324,000 | $9,866,000 |
| Common Stock Issuance | $217,000 | $17,886,000 | $324,000 | $9,866,000 |
| Other | ||||
| Interest Paid Supplemental Data | $21,728,000 | $26,431,000 | $11,799,000 | $3,929,000 |
| Income Tax Paid Supplemental Data | $6,858,000 | $2,235,000 | $1,070,000 | $0 |
| End Cash Position | $114,559,000 | $93,630,000 | $76,663,000 | $71,836,000 |
| Beginning Cash Position | $93,630,000 | $76,663,000 | $71,836,000 | $58,970,000 |
| Changes In Cash | $20,929,000 | $16,967,000 | $4,827,000 | $12,866,000 |
| Net Issuance Payments Of Debt | $0 | $-25,600,000 | $65,600,000 | $-8,000,000 |
| Net Long Term Debt Issuance | $0 | $-25,600,000 | $65,600,000 | $-8,000,000 |
| Net Investment Purchase And Sale | $-1,047,000 | $1,300,000 | $1,614,000 | $2,636,000 |
| Sale Of Investment | $1,303,000 | $1,300,000 | $1,614,000 | $2,636,000 |
| Purchase Of Investment | $-2,350,000 | $0 | - | $0 |
| Net PPE Purchase And Sale | $-896,000 | $-988,000 | $-668,000 | $-322,000 |
| Purchase Of PPE | $-896,000 | $-988,000 | $-668,000 | $-322,000 |
| Change In Working Capital | $-2,026,000 | $-781,000 | $-5,315,000 | $832,000 |
| Change In Other Working Capital | $-383,000 | $-290,000 | $-299,000 | $-323,000 |
| Change In Other Current Liabilities | $397,000 | $1,113,000 | $939,000 | $1,432,000 |
| Change In Other Current Assets | $-1,767,000 | $-730,000 | $-4,925,000 | $196,000 |
| Change In Receivables | $-273,000 | $-874,000 | $-1,030,000 | $-473,000 |
| Changes In Account Receivables | $-273,000 | $-874,000 | $-1,030,000 | $-473,000 |
| Stock Based Compensation | $875,000 | $490,000 | $490,000 | $372,000 |
| Asset Impairment Charge | $54,000 | $0 | - | - |
| Deferred Tax | $-462,000 | $10,000 | $821,000 | $1,369,000 |
| Deferred Income Tax | $-462,000 | $10,000 | $821,000 | $1,369,000 |
| Depreciation Amortization Depletion | $884,000 | $599,000 | $560,000 | $569,000 |
| Depreciation And Amortization | $884,000 | $599,000 | $560,000 | $569,000 |
| Depreciation | $884,000 | $599,000 | $560,000 | $569,000 |
| Net Income From Continuing Operations | $16,648,000 | $13,124,000 | $6,283,000 | $4,023,000 |
| Issuance Of Debt | - | - | $65,600,000 | $0 |
| Long Term Debt Issuance | - | - | $65,600,000 | $0 |
| Repayment Of Debt | - | - | - | $-8,000,000 |
| Long Term Debt Payments | - | - | - | $-8,000,000 |
| Sale Of PPE | - | - | - | $0 |
| Gain Loss On Sale Of PPE | - | - | - | $0 |
Fetched: 2026-06-22