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OptimumBank Holdings Inc

OPHC

4.210USD

+0.080+1.94%

Close 09/19, 16:00（ET）Quotes delayed by 15 min

49.47MMarket Cap

3.36P/E TTM



OptimumBank Holdings Inc

4.210

+0.080+1.94%

Overview Company Financials Analysis

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

TradingKey Stock Score

Currency: USD Updated: 2025-09-19

Key Insights

The company's fundamentals are relatively healthy. Its valuation is considered fairly valued,and institutional recognition is very high. Over the past 30 days, multiple analysts have rated the company as a Hold. Despite an average stock market performance, the company shows strong fundamentals and technicals. The stock price is trading sideways between the support and resistance levels, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Industry Ranking

124 / 400

Overall Ranking

244 / 4720

Industry

Banking Services

Support & Resistance

No Data

Score Analysis

Current score

Previous score

Analyst Rating

Based on 1 analysts

Hold

Current Rating

5.000

Target Price

+21.07%

Upside Space

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

Company Highlights

StrengthsRisks

OptimumBank Holdings, Inc. is a bank holding company for OptimumBank (the Bank). The Bank is a state-chartered bank, which offers a variety of community banking services to individual and corporate customers through its two banking offices located in Broward County, Florida. The Bank provides a range of consumer and commercial banking services to individuals and businesses. The Bank’s services offered includes demand interest-bearing and noninterest-bearing accounts, money market deposit accounts, negotiable order of withdrawal (NOW) accounts, time deposits, Visa debit and automated teller machine (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. The Bank offers business lending lines for working capital needs.

High Growth

The company's revenue has grown steadily over the past 3 years, averaging 110.95% year-on-year.

Growing

The company is in a growing phase, with the latest annual income totaling USD 36.20M.

High Profit Growth

The company's net income leads the industry, with the latest annual income totaling USD 226.22.

Fairly Valued

The company’s latest PB is 0.44, at a medium 3-year percentile range.

Institutional Buying

The latest institutional holdings are 3.93M shares, increasing 10.47% quarter-over-quarter.

Higher Market Activity

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

Financial Health

Currency: USD Updated: 2025-09-19

The company's current financial score is 8.55, which is higher than the Banking Services industry's average of 7.06. Its financial status is stable, and its operating efficiency is high. Its latest quarterly revenue reached 10.72M, representing a year-over-year increase of 18.66%, while its net profit experienced a year-over-year increase of 3.03%.

Score

Industry at a Glance

Previous score

8.55

Change



Financials

6.61

Key Metrics

Cash and cash equivalents

Total assets

Total liabilities

Free cash flow

No Data



Quality of Earnings

10.00

Key Metrics

Total revenue

Operating profit

Total assets

SG&A

No Data



Operational Efficiency

10.00

Key Metrics

Cash flow from operating activities

Income after tax

No Data



Growth Potential

8.99

Key Metrics

Cash flow from operating activities

Total revenue

No Data



Shareholder Returns

7.16

Key Metrics

Free cash flow

No Data

Company Valuation

Currency: USD Updated: 2025-09-19

The company’s current valuation score is 1.20, which is lower than the Banking Services industry's average of 1.34. Its current P/E ratio is 3.07, which is 44.74% below the recent high of 4.44 and -9.20% above the recent low of 3.35.

Score

Industry at a Glance

Previous score

1.20

Change

Valuation Dimensions

P/E

P/B

P/S

P/CF

Industry Ranking 124/400

No Data

Earnings Forecast

Currency: USD Updated: 2025-09-19

The company’s current earnings forecast score is 6.00, which is lower than the Banking Services industry's average of 7.39. The average price target for OptimumBank Holdings Inc 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

No Data

Analyst Rating

Based on 1 analysts

Hold

Current Rating

5.000

Target Price

+21.07%

Upside Space

Strong Buy

Buy

Hold

Sell

Strong Sell

Peer Comparison

306

Total

Median

Average

Company name

Ratings

Analysts

OptimumBank Holdings Inc

OPHC

JPMorgan Chase & Co

JPM

Bank of America Corp

BAC

Wells Fargo & Co

WFC

US Bancorp

USB

Regions Financial Corp

...

Financial Forecasting

EPS

Revenue

Net Profit

EBIT

No Data

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: 2025-09-19

The company’s current price momentum score is 6.57, which is lower than the Banking Services industry's average of 8.43. Sideways: Currently, the stock price is trading between the resistance level at 4.33 and the support level at 4.01, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Previous score

6.57

Change

0.45

Support & Resistance

No Data

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(2)

Neutral(3)

Buy(2)

Indicators

Value

Direction

MACD(12,26,9)

-0.007

Sell

RSI(14)

45.238

Neutral

STOCH(KDJ)(9,3,3)

29.912

Buy

ATR(14)

0.050

High Vlolatility

CCI(14)

-53.744

Neutral

Williams %R

50.000

Neutral

TRIX(12,20)

-0.163

Sell

StochRSI(14)

100.000

Buy

Moving Average

Sell(5)

Neutral(0)

Buy(1)

Indicators

Value

Direction

MA5

4.160

Buy

MA10

4.212

Sell

MA20

4.254

Sell

MA50

4.364

Sell

MA100

4.422

Sell

MA200

4.444

Sell

Institutional Confidence

Currency: USD Updated: 2025-09-19

Score

Industry at a Glance

Previous score

3.00

Change

Institutional Shareholding

No Data

Shareholder Activity

Name

Shares Held

Chg %

Gubin (Moishe)

840.18K

+19.59%

Chan (Heng Fai Ambrose)

598.00K

Blisko (Michael)

597.39K

+51.09%

AllianceBernstein L.P.

468.07K

+29.77%

Fourthstone LLC

346.45K

+1269.33%

The Vanguard Group, Inc.

Star Investors

303.86K

+0.56%

Geode Capital Management, L.L.C.

100.32K

+26.45%

Renaissance Technologies LLC

Star Investors

117.26K

-14.08%

Morgan Stanley Smith Barney LLC

100.00K

Klein (Joel J)

94.40K

Risk Assessment

Currency: USD Updated: 2025-09-19

The company’s current risk assessment score is 4.92, which is lower than the Banking Services industry's average of 5.23. The company's beta value is 0.42. This indicates that the stock tends to underperform the index during upward trending markets but experiences smaller declines during downward trending markets.