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OptimumBank Holdings Inc

OPHC

5.060USD

+0.200+4.08%

Close 02/06, 16:00（ET）Quotes delayed by 15 min

58.36MMarket Cap

3.56P/E TTM



OptimumBank Holdings Inc

5.060

+0.200+4.08%

Overview Financials Analysis Company

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

Overview

Financials

Analysis

Company

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

TradingKey Stock Score of OptimumBank Holdings Inc

Currency: USD Updated: 2026-02-06

Key Insights

OptimumBank Holdings Inc's fundamentals are relatively healthy, with an industry-leading ESG disclosure.and its growth potential is high.Its valuation is considered fairly valued, ranking 97 out of 397 in the Banking Services industry.Institutional ownership is very high.Over the past month, multiple analysts have rated it as Hold, with the highest price target at 5.00.In the medium term, the stock price is expected to trend up.The company has been performing strongly in the stock market over the past month, which is supported by its strong fundamentals and technicals.The stock price is trading sideways between the support and resistance levels, making it suitable for range-bound swing trading.

OptimumBank Holdings Inc's Score

Industry at a Glance

Industry Ranking

97 / 397

Overall Ranking

153 / 4521

Industry

Banking Services

Support & Resistance

Relevant data have not been disclosed by the company yet.

Score Analysis

Current score

Previous score

Media Coverage

Last 24 hours

Coverage Level

Very Low

Very High

Positive

OptimumBank Holdings Inc Highlights

StrengthsRisks

OptimumBank Holdings, Inc. is a bank holding company for OptimumBank (the Bank). The Bank is a state-chartered bank. The Bank offers a variety of commercial banking services to individual and corporate customers through its two branch offices located in Broward County, and one branch office in Miami Dade County, Florida. The Bank provides a range of consumer and commercial banking services to individuals and businesses. Its services offered include demand interest-bearing and noninterest-bearing accounts, money market deposit accounts, NOW accounts, time deposits, Wire transfers, ACH services, Visa debit and ATM cards, cash management, direct deposits, notary services, money orders, night depository, cashier’s checks, domestic collections, and banking by mail. It provides ATM cards and Visa debit cards as a part of the Star, Presto and Cirrus networks, thereby permitting customers to utilize the convenience of ATMs worldwide. It offers business lending lines for working capital needs.

High Growth

The company's revenue has grown steadily over the past 3 years, averaging 75.61% year-on-year.

Growing

The company is in a growing phase, with the latest annual income totaling USD 44.50M.

High Profit Growth

The company's net income leads the industry, with the latest annual income totaling USD 44.50M.

Fairly Valued

The company’s latest PB is 0.48, at a medium 3-year percentile range.

Institutional Selling

The latest institutional holdings are 1.98M shares, decreasing 15.63% quarter-over-quarter.

Held by The Vanguard

Star Investor The Vanguard holds 387.73K shares of this stock.

Higher Market Activity

The company has more investor interest, with a 20-day turnover ratio of -0.04.

Analyst Rating

Based on 1 analysts

Hold

Current Rating

5.000

Target Price

+1.01%

Upside Space

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Financial Health

Currency: USD Updated: 2026-02-06

The current financial score of OptimumBank Holdings Inc is 8.50, ranking 103 out of 397 in the Banking Services industry. Its financial status is stable, and its operating efficiency is high. Its latest quarterly revenue reached 12.35M, representing a year-over-year increase of 28.27%, while its net profit experienced a year-over-year increase of 22.83%.

Score

Industry at a Glance

Previous score

8.50

Change



Financials

6.62

Key Metrics

Cash and cash equivalents

Total assets

Total liabilities

Free cash flow

Relevant data have not been disclosed by the company yet.



Quality of Earnings

10.00

Key Metrics

Total revenue

Operating profit

Total assets

SG&A

Relevant data have not been disclosed by the company yet.



Operational Efficiency

10.00

Key Metrics

Cash flow from operating activities

Income after tax

Relevant data have not been disclosed by the company yet.



Growth Potential

9.20

Key Metrics

Cash flow from operating activities

Total revenue

Relevant data have not been disclosed by the company yet.



Shareholder Returns

6.70

Key Metrics

Free cash flow

Relevant data have not been disclosed by the company yet.

OptimumBank Holdings Inc's Company Valuation

Currency: USD Updated: 2026-02-06

The current valuation score of OptimumBank Holdings Inc is 9.79, ranking 1 out of 397 in the Banking Services industry. Its current P/E ratio is 3.56, which is 79.45% below the recent high of 6.39 and 28.05% above the recent low of 2.56.

Score

Industry at a Glance

Previous score

9.79

Change

Valuation Dimensions

P/E

P/B

P/S

P/CF

Industry Ranking 97/397

Relevant data have not been disclosed by the company yet.

Earnings Forecast

Currency: USD Updated: 2026-02-06

The current earnings forecast score of OptimumBank Holdings Inc is 6.00, ranking 272 out of 397 in the Banking Services industry. The average price target is 5.00, with a high of 5.00 and a low of 5.00.

Score

Industry at a Glance

Previous score

6.00

Change

Support & Resistance

Relevant data have not been disclosed by the company yet.

Analyst Rating

Based on 1 analysts

Hold

Current Rating

5.000

Target Price

+1.01%

Upside Space

Strong Buy

Buy

Hold

Sell

Strong Sell

Peer Comparison

306

Total

Median

Average

Company name

Ratings

Analysts

OptimumBank Holdings Inc

OPHC

Wells Fargo & Co

WFC

JPMorgan Chase & Co

JPM

Bank of America Corp

BAC

US Bancorp

USB

PNC Financial Services Group Inc

PNC

...

Financial Forecasting

EPS

Revenue

Net Profit

EBIT

Relevant data have not been disclosed by the company yet.

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Price Momentum

Currency: USD Updated: 2026-02-06

The current price momentum score of OptimumBank Holdings Inc is 9.22, ranking 182 out of 397 in the Banking Services industry. Currently, the stock price is trading between the resistance level at 5.40 and the support level at 4.48, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Previous score

9.14

Change

0.08

Support & Resistance

Relevant data have not been disclosed by the company yet.

Indicators



The Indicators feature provides value and direction analysis for various instruments under a selection of technical indicators, together with a technical summary.

This feature includes nine of the commonly used technical indicators: MACD, RSI, KDJ, StochRSI, ATR, CCI, WR, TRIX and MA. You may also adjust the timeframe depending on your needs.

Please note that technical analysis is only part of investment reference, and there is no absolute standard for using numerical values to assess direction. The results are for reference only, and we are not responsible for the accuracy of the indicator calculations and summaries.

Indicators

Sell(1)

Neutral(1)

Buy(3)

Indicators

Value

Direction

MACD(12,26,9)

0.027

Buy

RSI(14)

76.818

Buy

STOCH(KDJ)(9,3,3)

78.004

Neutral

ATR(14)

0.098

High Vlolatility

CCI(14)

244.551

Overbought

Williams %R

22.000

Buy

TRIX(12,20)

0.537

Sell

StochRSI(14)

100.000

Overbought

Moving Average

Sell(0)

Neutral(0)

Buy(6)

Indicators

Value

Direction

MA5

4.925

Buy

MA10

4.848

Buy

MA20

4.727

Buy

MA50

4.422

Buy

MA100

4.256

Buy

MA200

4.340

Buy

Institutional Confidence

Currency: USD Updated: 2026-02-06

The current institutional shareholding score of OptimumBank Holdings Inc is 3.00, ranking 252 out of 397 in the Banking Services industry. The latest institutional shareholding proportion is 17.18%, representing a quarter-over-quarter increase of 4.37%. The largest institutional shareholder is The Vanguard, holding a total of 387.73K shares, representing 3.36% of shares outstanding, with 30.01% increase in holdings.

Score

Industry at a Glance

Previous score

3.00

Change

Institutional Shareholding

Relevant data have not been disclosed by the company yet.

Shareholder Activity

Name

Shares Held

Chg %

Blisko (Michael)

597.39K

Gubin (Moishe)

840.18K

+19.59%

AllianceBernstein L.P.

652.86K

+22.03%

Chan (Heng Fai Ambrose)

598.00K

Fourthstone LLC

389.55K

-22.22%

The Vanguard Group, Inc.

Star Investors

385.82K

+21.98%

Geode Capital Management, L.L.C.

102.73K

+0.37%

Morgan Stanley Smith Barney LLC

100.00K

Renaissance Technologies LLC

Star Investors

94.70K

-5.68%

Klein (Joel J)

94.40K

Risk Assessment

Currency: USD Updated: 2026-02-06

The U.S. Dollar Index is currently in a neutral state, which has a neutral effect on the Banking Services domestic-focused industry. The Dollar Index (DXY) measures the value of the U.S. dollar against a basket of major currencies, including the euro, yen, pound sterling, Canadian dollar, Swedish krona, and Swiss franc. The current risk assessment score of OptimumBank Holdings Inc is 4.54, ranking 319 out of 397 in the Banking Services industry. The company's beta value is 0.29. This indicates that the stock tends to underperform the index during upward trending markets but experiences smaller declines during downward trending markets. with an industry-leading ESG disclosure.