Indicators
Indicators
Value
Direction
MACD(12,26,9)
0.020
Buy
RSI(14)
60.072
Neutral
STOCH(KDJ)(9,3,3)
77.679
Neutral
ATR(14)
0.087
High Vlolatility
CCI(14)
88.409
Neutral
Williams %R
13.535
Overbought
TRIX(12,20)
0.162
Sell
StochRSI(14)
100.000
Buy
OptimumBank Holdings Inc
OPHC4.320USD
+0.040+0.93%
Close 12/19, 16:00（ET）Quotes delayed by 15 min
51.34MMarket Cap
3.14P/E TTM
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: 2025-12-19Key Insights
OptimumBank Holdings Inc's fundamentals are relatively healthy, and its growth potential is high.Its valuation is considered fairly valued, ranking 112/404 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 remain stable.Despite an average stock market performance over the past month, 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.
OptimumBank Holdings Inc's Score
Support & Resistance
Relevant data have not been disclosed by the company yet.
Score Analysis
Current score
Previous score
Analyst Rating
Based on
1
analysts
Hold
Current Rating
5.000
Target Price
+20.48%
Upside Space
Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.
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 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 36.20M.
Fairly Valued
The company’s latest PB is 0.44, at a medium 3-year percentile range.
Institutional Selling
The latest institutional holdings are 1.93M shares, decreasing 5.78% quarter-over-quarter.
Held by The Vanguard
Star Investor The Vanguard holds 385.82K shares of this stock.
Higher Market Activity
The company has more investor interest, with a 20-day turnover ratio of -0.04.
Financial Health
Currency: USD Updated: 2025-12-19The current financial score of OptimumBank Holdings Inc is 8.51, ranking 101/404 in the Banking Services industry. Its financial status is stable, and its operating efficiency is high. Its latest quarterly revenue reached 11.51M, representing a year-over-year increase of 22.76%, while its net profit experienced a year-over-year increase of 30.92%.
Score
Financials
6.66
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
Operational Efficiency
10.00
Growth Potential
9.19
Shareholder Returns
6.69
OptimumBank Holdings Inc's Company Valuation
Currency: USD Updated: 2025-12-19The current valuation score of OptimumBank Holdings Inc is 9.79, ranking 1/404 in the Banking Services industry. Its current P/E ratio is 3.13, which is 104.58% below the recent high of 6.39 and 17.97% above the recent low of 2.56.
Score
Valuation Dimensions
P/E
P/B
P/S
P/CF
Industry Ranking 112/404
Relevant data have not been disclosed by the company yet.
Earnings Forecast
Currency: USD Updated: 2025-12-19The current earnings forecast score of OptimumBank Holdings Inc is 6.00, ranking 282/404 in the Banking Services industry. The average price target for OptimumBank Holdings Inc is 5.00, with a high of 5.00 and a low of 5.00.
Score
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
+20.48%
Upside Space
Strong Buy
Buy
Hold
Sell
Strong Sell
Peer Comparison
304
Total
4
Median
5
Average
Company name
Ratings
Analysts
OptimumBank Holdings Inc
OPHC
1
JPMorgan Chase & Co
JPM
26
Bank of America Corp
BAC
26
Wells Fargo & Co
WFC
26
US Bancorp
USB
25
Regions Financial Corp
RF
25
1
2
3
...
61
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: 2025-12-19The current price momentum score of OptimumBank Holdings Inc is 8.61, ranking 317/404 in the Banking Services industry. Currently, the stock price is trading between the resistance level at 4.41 and the support level at 4.11, making it suitable for range-bound swing trading.
Score
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.
Moving Average
Indicators
Value
Direction
MA5
4.252
Buy
MA10
4.246
Buy
MA20
4.193
Buy
MA50
4.105
Buy
MA100
4.177
Buy
MA200
4.265
Buy
Institutional Confidence
Currency: USD Updated: 2025-12-19The current institutional shareholding score of OptimumBank Holdings Inc is 3.00, ranking 254/404 in the Banking Services industry. The latest institutional shareholding proportion is 16.46%, representing a quarter-over-quarter decrease of 50.83%. The largest institutional shareholder is The Vanguard, holding a total of 385.82K shares, representing 3.35% of shares outstanding, with 29.36% increase in holdings.
Score
Institutional Shareholding
Relevant data have not been disclosed by the company yet.
Shareholder Activity
Name
Shares Held
Chg %
Gubin (Moishe)
AllianceBernstein L.P.
Chan (Heng Fai Ambrose)
Blisko (Michael)
Fourthstone LLC
Geode Capital Management, L.L.C.
Morgan Stanley Smith Barney LLC
Klein (Joel J)
1
2
Risk Assessment
Currency: USD Updated: 2025-12-19The current risk assessment score of OptimumBank Holdings Inc is 4.17, ranking 339/404 in the Banking Services industry. The company's beta value is 0.27. This indicates that the stock tends to underperform the index during upward trending markets but experiences smaller declines during downward trending markets.
Score
Beta vs S&P 500 index
0.27
VaR
+3.87%
240-Day Maximum Drawdown
+24.48%
240-Day Volatility
+29.41%
Return
Best Daily Return
60 days
+3.20%
120 days
+4.94%
5 years
+22.50%
Worst Daily Return
60 days
-3.23%
120 days
-10.99%
5 years
-23.15%
Sharpe Ratio
60 days
+0.73
120 days
-0.17
5 years
+0.25
Risk Assessment
Maximum Drawdown
240 days
+24.48%
3 years
+34.12%
5 years
+59.48%
Return-to-Drawdown Ratio
240 days
-0.38
3 years
+0.06
5 years
+0.05
Skewness
240 days
-0.92
3 years
-0.18
5 years
+0.29
Volatility
Realised Volatility
240 days
+29.41%
5 years
+54.07%
Standardised True Range
240 days
+2.30%
5 years
+3.73%
Downside Risk-Adjusted Return
120 days
-18.74%
240 days
-18.74%
Maximum Daily Upside Volatility
60 days
+17.31%
Maximum Daily Downside Volatility
60 days
+14.51%
Liquidity
Average Turnover Rate
60 days
+0.15%
120 days
+0.16%
5 years
--
Turnover Deviation
20 days
-4.31%
60 days
-35.13%
120 days
-27.53%
Peer Comparison
Banking Services
OptimumBank Holdings Inc
OPHC
7.24 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
East West Bancorp Inc
EWBC
8.87 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
AerCap Holdings NV
AER
8.86 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
Citizens Financial Group Inc
CFG
8.83 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
Credicorp Ltd
BAP
8.81 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
Wintrust Financial Corp
WTFC
8.72 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
View more
FAQs
How does TradingKey generate the Stock Score of OptimumBank Holdings Inc?
The TradingKey Stock Score provides a comprehensive assessment of OptimumBank Holdings Inc based on 34 indicators derived from over 100 underlying data points. These indicators are categorised into six key dimensions: financial health, company profile, earnings forecasts, price momentum, institutional confidence, and risk assessment, collectively providing investors with a thorough analysis of OptimumBank Holdings Inc’s performance and outlook.
How do we generate the financial health score of OptimumBank Holdings Inc?
To generate the financial health score of OptimumBank Holdings Inc, we analyse various key financial indicators across several core dimensions, including financial fundamentals, earnings quality, operational efficiency, growth potential, and shareholder returns. By integrating these comprehensive data, the financial health score not only reflects OptimumBank Holdings Inc's overall stability, operational efficiency, and growth potential but also captures the investment returns delivered to shareholders. This score aims to support rational decision-making for investors and other stakeholders. A higher score indicates a better financial health of OptimumBank Holdings Inc.
How do we generate the company valuation score of OptimumBank Holdings Inc?
To generate the company valuation score of OptimumBank Holdings Inc, we use several key financial ratios, including P/E, P/B, P/S, and P/CF. These metrics compare OptimumBank Holdings Inc’s market value to its earnings, assets, sales, and cash flow, serving as core indicators for assessing company value. By analysing these ratios in an all-round manner, the valuation score reflects not only the market’s current perception of OptimumBank Holdings Inc’s value but also its future profitability and growth potential, thereby supporting more informed investment decisions. A higher score indicates a fairer valuation of OptimumBank Holdings Inc.
How do we generate the earnings forecast score of OptimumBank Holdings Inc?
To calculate the earnings forecast score of OptimumBank Holdings Inc, we consider various key indicators such as analyst ratings, financial forecasts, support and resistance levels, and peer comparisons:Current ratings and price targets directly reflect analysts’ expectations, while the upside space indicates their views on the stock’s growth potential.Financial metrics like earnings per share (EPS), revenue, net income, and earnings before interest and taxes (EBIT) are core measures for assessing profitability.By analysing the high, median, and low ranges of the target price, we can identify price trends and determine key support and resistance levels.Comparing these indicators against peers provides context for the stock’s performance and helps
anchor more realistic expectations.These factors together form a comprehensive earnings forecast score that accurately reflects the stock’s expected financial performance and growth potential. A higher score suggests that analysts have a more optimistic outlook on OptimumBank Holdings Inc’s future.
How do we generate the price momentum score of OptimumBank Holdings Inc?
When generating the price momentum score for OptimumBank Holdings Inc, we examine momentum indicators including support and resistance levels as well as volume metrics.Support levels represent price points where buying interest is strong enough to prevent further declines, while resistance levels indicate prices where selling pressure may hinder upward movement. By analysing typical price volume alongside total volume, we assess overall market activity and liquidity. These indicators help identify price trends and potential shifts, enabling more accurate predictions of future earnings.This comprehensive approach can reflect market sentiment and enable rational forecasts of OptimumBank Holdings Inc’s prices. A higher score indicates a more stable short-term price trend for OptimumBank Holdings Inc.
How do we generate the institutional confidence score of OptimumBank Holdings Inc?
To generate the institutional confidence score of OptimumBank Holdings Inc, we analyse both the proportion of shares held by institutions and the number of shares they own. A higher institutional ownership percentage indicates strong confidence of professional investors, which is generally a positive signal about OptimumBank Holdings Inc’s potential. By examining the number of shares held, we gain deeper insight into institutions’ commitment and attitude toward the stock, as institutional investors typically conduct thorough analysis before making investment decisions. Understanding institutional confidence helps us refine earnings forecasts and provides a more reliable perspective on the company’s future performance and market stability. A higher score indicates greater institutional endorsement of OptimumBank Holdings Inc.
How do we generate the risk management score of OptimumBank Holdings Inc?
To assess the risk management score of OptimumBank Holdings Inc, we examine multiple key indicators related to returns, risk, volatility, and liquidity.The highest and lowest daily returns reflect the potential size of gains and losses, while the Sharpe ratio measures risk-adjusted return performance. On the risk side, we analyse maximum drawdown and the return-to-drawdown ratio to identify extreme loss scenarios. Skewness helps assess the distribution of returns and whether performance may be biased. Volatility indicators—such as realised volatility and standardised true range—reveal price fluctuations. Downside risk-adjusted returns provide insight into potential losses and gains. Lastly, liquidity metrics like average turnover rate and turnover deviation indicate how actively the stock is traded.These indicators together provide a multi-dimensional understanding of OptimumBank Holdings Inc’s risk-return profile, serving as core factors of the risk management score. A higher score indicates lower risk on the side of OptimumBank Holdings Inc.
