View ValuationOptimumBank Holdings 将来の成長Future 基準チェック /16OptimumBank Holdings は収益が増加すると予測されています。EPS は、年間 減少すると予測されています29.5%。主要情報16.6%収益成長率-29.48%EPS成長率Banks 収益成長8.2%収益成長率n/a将来の株主資本利益率n/aアナリストカバレッジLow最終更新日13 May 2026今後の成長に関する最新情報Price Target Changed • May 15Price target decreased by 9.1% to US$5.00Down from US$5.50, the current price target is provided by 1 analyst. New target price is 7.8% above last closing price of US$4.64. Stock is up 7.9% over the past year. The company is forecast to post earnings per share of US$0.61 for next year compared to US$1.39 last year.すべての更新を表示Recent updatesお知らせ • Apr 26OptimumBank Holdings, Inc. Announces Net Charge Offs Charges for the First Quarter Ended March 31, 2026OptimumBank Holdings, Inc. announced net charge offs charges for the first quarter ended March 31, 2026. For the period, Gross charge-offs remained modest at $44,000 while recoveries totaled $41,000, resulting in net charge-offs of $3,000 during the first quarter of 2026.お知らせ • Mar 19OptimumBank Holdings, Inc., Annual General Meeting, Apr 28, 2026OptimumBank Holdings, Inc., Annual General Meeting, Apr 28, 2026. Location: offices of optimumbank, 2929 east commercial boulevard, fort lauderdale, suite 303, florida 33308, United StatesReported Earnings • Mar 03Full year 2025 earnings released: EPS: US$1.42 (vs US$1.39 in FY 2024)Full year 2025 results: EPS: US$1.42 (up from US$1.39 in FY 2024). Revenue: US$47.3m (up 27% from FY 2024). Net income: US$16.6m (up 27% from FY 2024). Profit margin: 35% (in line with FY 2024). Over the last 3 years on average, earnings per share has increased by 28% per year but the company’s share price has only increased by 12% per year, which means it is significantly lagging earnings growth.Recent Insider Transactions • Feb 05Principal Executive Officer recently sold US$186k worth of stockOn the 2nd of February, Timothy Terry sold around 39k shares on-market at roughly US$4.73 per share. This transaction amounted to 100% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. This was Timothy's only on-market trade for the last 12 months.New Risk • Feb 04New minor risk - Shareholder dilutionThe company's shareholders have been diluted in the past year. Increase in shares outstanding: 20% This is considered a minor risk. Shareholder dilution occurs when there is an increase in the number of shares on issue that is not proportionally distributed between all shareholders. Often due to the company raising equity capital or some options being converted into stock. All else being equal, if there are more shares outstanding then each existing share will be entitled to a lower proportion of the company's total earnings, thus reducing earnings per share (EPS). While dilution might not always result in lower EPS (like if the company is using the capital to fund an EPS accretive acquisition) in a lot cases it does, along with lower dividends per share and less voting power at shareholder meetings. Currently, the following risks have been identified for the company: Minor Risks Shareholders have been diluted in the past year (20% increase in shares outstanding). Market cap is less than US$100m (US$58.6m market cap).お知らせ • Feb 03OptimumBank Holdings, Inc. Reports Net Charge Net Charge-Offs for the Fourth Quarter of 2025OptimumBank Holdings, Inc. reported net charge net charge-offs for the fourth quarter of 2025, For the period, the company's Gross charge-offs remained modest at $201,000, while recoveries totalled $67,000, resultingin net charge-offs of $134,000, reflecting a well-managed loan portfolio.Reported Earnings • Feb 02Full year 2025 earnings: EPS and revenues exceed analyst expectationsFull year 2025 results: EPS: US$1.42 (up from US$1.39 in FY 2024). Revenue: US$47.3m (up 27% from FY 2024). Net income: US$16.6m (up 27% from FY 2024). Profit margin: 35% (in line with FY 2024). Revenue exceeded analyst estimates significantly. Earnings per share (EPS) also surpassed analyst estimates by 1.4%. Revenue is forecast to grow 73% p.a. on average during the next 2 years, compared to a 8.8% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 28% per year but the company’s share price has only increased by 6% per year, which means it is significantly lagging earnings growth.Recent Insider Transactions Derivative • Jan 07Principal Executive Officer notifies of intention to sell stockTimothy Terry intends to sell 39k shares in the next 90 days after lodging an Intent To Sell Form on the 5th of January. If the sale is conducted around the recent share price of US$4.24, it would amount to US$167k. For the year to December 2019, Timothy's total compensation was 78% salary and 22% non-salary. Since March 2025, Timothy has owned 39.30k shares directly. Company insiders have collectively bought US$37k more than they sold, via options and on-market transactions, in the last 12 months.Reported Earnings • Nov 12Third quarter 2025 earnings released: EPS: US$0.37 (vs US$0.34 in 3Q 2024)Third quarter 2025 results: EPS: US$0.37 (up from US$0.34 in 3Q 2024). Revenue: US$12.3m (up 26% from 3Q 2024). Net income: US$4.32m (up 31% from 3Q 2024). Profit margin: 35% (up from 34% in 3Q 2024). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 21% per year but the company’s share price has fallen by 4% per year, which means it is significantly lagging earnings.お知らせ • Nov 06OptimumBank Holdings, Inc. to Report Q3, 2025 Results on Nov 13, 2025OptimumBank Holdings, Inc. announced that they will report Q3, 2025 results Pre-Market on Nov 13, 2025Board Change • Sep 01Insufficient new directorsNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 3 experienced directors. 3 highly experienced directors. Independent Director Steven Newman was the last director to join the board, commencing their role in 2022. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.Reported Earnings • Aug 08Second quarter 2025 earnings released: EPS: US$0.31 (vs US$0.36 in 2Q 2024)Second quarter 2025 results: EPS: US$0.31. Revenue: US$11.0m (up 13% from 2Q 2024). Net income: US$3.60m (up 3.0% from 2Q 2024). Profit margin: 33% (down from 36% in 2Q 2024). The decrease in margin was driven by higher expenses.Price Target Changed • May 15Price target decreased by 9.1% to US$5.00Down from US$5.50, the current price target is provided by 1 analyst. New target price is 7.8% above last closing price of US$4.64. Stock is up 7.9% over the past year. The company is forecast to post earnings per share of US$0.61 for next year compared to US$1.39 last year.Reported Earnings • May 14First quarter 2025 earnings released: EPS: US$0.33 (vs US$0.31 in 1Q 2024)First quarter 2025 results: EPS: US$0.33 (up from US$0.31 in 1Q 2024). Revenue: US$10.8m (up 36% from 1Q 2024). Net income: US$3.87m (up 63% from 1Q 2024). Profit margin: 36% (up from 30% in 1Q 2024). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 3% per year whereas the company’s share price has increased by 5% per year.お知らせ • Apr 04OptimumBank Holdings, Inc., Annual General Meeting, Apr 29, 2025OptimumBank Holdings, Inc., Annual General Meeting, Apr 29, 2025. Location: optimumbank executive officers, 2929 east commercial boulevard, suite 303, fort lauderdale, florida 33308, United StatesReported Earnings • Feb 06Full year 2024 earnings released: EPS: US$1.39 (vs US$0.87 in FY 2023)Full year 2024 results: EPS: US$1.39 (up from US$0.87 in FY 2023). Revenue: US$37.1m (up 60% from FY 2023). Net income: US$13.1m (up 109% from FY 2023). Profit margin: 35% (up from 27% in FY 2023). The increase in margin was driven by higher revenue. Net interest margin (NIM): 3.83% (up from 3.75% in FY 2023). Over the last 3 years on average, earnings per share has fallen by 7% per year but the company’s share price has increased by 1% per year, which means it is well ahead of earnings.お知らせ • Jan 30OptimumBank Holdings, Inc. And OptimumBank Announce Resignation of Martin Z. Schmidt from the Boards of DirectorsEffective January 28, 2025, Martin Z. Schmidt resigned from the Boards of Directors of OptimumBank Holdings, Inc. and OptimumBank. Mr. Schmidt has confirmed that his resignation is not due to any disagreement with either entity.New Risk • Jan 16New major risk - Shareholder dilutionThe company's shareholders have been substantially diluted in the past year. Increase in shares outstanding: 39% This is considered a major risk. Shareholder dilution occurs when there is an increase in the number of shares on issue that is not proportionally distributed between all shareholders. Often due to the company raising equity capital or some options being converted into stock. All else being equal, if there are more shares outstanding then each existing share will be entitled to a lower proportion of the company's total earnings, thus reducing earnings per share (EPS). While dilution might not always result in lower EPS (like if the company is using the capital to fund an EPS accretive acquisition) in a lot cases it does, along with lower dividends per share and less voting power at shareholder meetings. Currently, the following risks have been identified for the company: Major Risk Shareholders have been substantially diluted in the past year (39% increase in shares outstanding). Minor Risk Market cap is less than US$100m (US$45.6m market cap).お知らせ • Dec 31OptimumBank Holdings, Inc.(NYSEAM:OPHC) dropped from NASDAQ Composite IndexOptimumBank Holdings Inc. has been dropped from the Nasdaq Composite Index.Reported Earnings • Nov 10Third quarter 2024 earnings released: EPS: US$0.34 (vs US$0.17 in 3Q 2023)Third quarter 2024 results: EPS: US$0.34 (up from US$0.17 in 3Q 2023). Revenue: US$9.72m (up 81% from 3Q 2023). Net income: US$3.30m (up 160% from 3Q 2023). Profit margin: 34% (up from 24% in 3Q 2023). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has fallen by 5% per year but the company’s share price has increased by 2% per year, which means it is well ahead of earnings.分析記事 • Nov 09Here's Why OptimumBank Holdings (NASDAQ:OPHC) Has Caught The Eye Of InvestorsFor beginners, it can seem like a good idea (and an exciting prospect) to buy a company that tells a good story to...Valuation Update With 7 Day Price Move • Nov 08Investor sentiment improves as stock rises 16%After last week's 16% share price gain to US$5.48, the stock trades at a trailing P/E ratio of 5.5x. Average trailing P/E is 13x in the Banks industry in the US. Total returns to shareholders of 5.2% over the past three years.お知らせ • Aug 11OptimumBank Holdings, Inc. has filed a Follow-on Equity Offering in the amount of $25 million.OptimumBank Holdings, Inc. has filed a Follow-on Equity Offering in the amount of $25 million. Security Name: Common Stock Security Type: Common Stock Transaction Features: At the Market OfferingReported Earnings • Aug 06Second quarter 2024 earnings released: EPS: US$0.36 (vs US$0.18 in 2Q 2023)Second quarter 2024 results: EPS: US$0.36 (up from US$0.18 in 2Q 2023). Revenue: US$9.75m (up 72% from 2Q 2023). Net income: US$3.50m (up 167% from 2Q 2023). Profit margin: 36% (up from 23% in 2Q 2023). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 1% per year but the company’s share price has fallen by 6% per year, which means it is significantly lagging earnings.Board Change • Jun 02Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 3 experienced directors. 3 highly experienced directors. Independent Director Steven Newman was the last director to join the board, commencing their role in 2022. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.Reported Earnings • May 14First quarter 2024 earnings released: EPS: US$0.31 (vs US$0.16 in 1Q 2023)First quarter 2024 results: EPS: US$0.31 (up from US$0.16 in 1Q 2023). Revenue: US$7.93m (up 60% from 1Q 2023). Net income: US$2.38m (up 106% from 1Q 2023). Profit margin: 30% (up from 23% in 1Q 2023). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 12% per year whereas the company’s share price has increased by 7% per year.お知らせ • Apr 23OptimumBank Holdings, Inc., Annual General Meeting, May 29, 2024OptimumBank Holdings, Inc., Annual General Meeting, May 29, 2024. Location: optimumBank Fort Lauderdale Office 2929 E Commercial Blvd Fort Lauderdale United Statesお知らせ • Mar 29OptimumBank Holdings, Inc. announced that it has received $7.942998 million in fundingOptimumBank Holdings, Inc. entered into subscription agreements and has issued 1,511,025 shares of common stock and 525,641 shares of Series C convertible preferred stock at $3.90 per share for a gross proceeds of $7,942,997 on March 28, 2024. The transaction included participation from 6 investors.Reported Earnings • Mar 10Full year 2023 earnings released: EPS: US$0.87 (vs US$0.68 in FY 2022)Full year 2023 results: EPS: US$0.87 (up from US$0.68 in FY 2022). Revenue: US$23.1m (up 51% from FY 2022). Net income: US$6.28m (up 56% from FY 2022). Profit margin: 27% (up from 26% in FY 2022). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 28% per year but the company’s share price has only increased by 7% per year, which means it is significantly lagging earnings growth.New Risk • Mar 09New minor risk - Shareholder dilutionThe company's shareholders have been diluted in the past year. Increase in shares outstanding: 8.5% This is considered a minor risk. Shareholder dilution occurs when there is an increase in the number of shares on issue that is not proportionally distributed between all shareholders. Often due to the company raising equity capital or some options being converted into stock. All else being equal, if there are more shares outstanding then each existing share will be entitled to a lower proportion of the company's total earnings, thus reducing earnings per share (EPS). While dilution might not always result in lower EPS (like if the company is using the capital to fund an EPS accretive acquisition) in a lot cases it does, along with lower dividends per share and less voting power at shareholder meetings. Currently, the following risks have been identified for the company: Minor Risks Profit margins are more than 30% lower than last year (26% net profit margin). Shareholders have been diluted in the past year (8.5% increase in shares outstanding). Market cap is less than US$100m (US$36.0m market cap).Reported Earnings • Nov 12Third quarter 2023 earnings released: EPS: US$0.18 (vs US$0.11 in 3Q 2022)Third quarter 2023 results: EPS: US$0.18 (up from US$0.11 in 3Q 2022). Revenue: US$5.38m (up 49% from 3Q 2022). Net income: US$1.27m (up 89% from 3Q 2022). Profit margin: 24% (up from 19% in 3Q 2022). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 49% per year but the company’s share price has only increased by 3% per year, which means it is significantly lagging earnings growth.Recent Insider Transactions Derivative • Aug 14Principal Executive Officer notifies of intention to sell stockTimothy Terry intends to sell 21k shares in the next 90 days after lodging an Intent To Sell Form on the 11th of August. If the sale is conducted around the recent share price of US$3.00, it would amount to US$64k. For the year to December 2016, Timothy's total compensation was 96% salary and 4% non-salary. Since March 2023, Timothy has owned 66.51k shares directly. There has only been one transaction (US$27k purchase) from insiders over the last 12 months.Reported Earnings • Aug 10Second quarter 2023 earnings released: EPS: US$0.18 (vs US$0.16 in 2Q 2022)Second quarter 2023 results: EPS: US$0.18 (up from US$0.16 in 2Q 2022). Revenue: US$5.66m (up 61% from 2Q 2022). Net income: US$1.31m (up 39% from 2Q 2022). Profit margin: 23% (down from 27% in 2Q 2022). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 69% per year but the company’s share price has only increased by 6% per year, which means it is significantly lagging earnings growth.お知らせ • May 31OptimumBank Holdings, Inc., Annual General Meeting, Jun 27, 2023OptimumBank Holdings, Inc., Annual General Meeting, Jun 27, 2023, at 10:00 US Eastern Standard Time. Location: At the executive offices of OptimumBank, 2929 East Commercial Boulevard Fort Lauderdale, Suite 303, Florida 33308 Florida United States Agenda: To elect seven directors; to approve the issuance of up to 11,113,889 shares of common stock upon conversion of the Series B preferred stock previously issued by the Company; to approve an amendment to the Company’s articles of incorporation to increase the maximum number of shares of common stock that may be issued by the Company from 10,000,000 shares to 30,000,000 shares; to approve an amendment to the Company’s 2018 Equity Incentive Plan to increase the maximum number of shares that may be issued under the plan from 550,000 shares to 1,050,000 shares; to consider an advisory vote on executive compensation; to consider an advisory vote on the frequency of the advisory vote on executive compensation; to ratify the selection of Hacker, Johnson & Smith, P.A. as the Company’s independent auditor for fiscal year 2023; and to transact such other business as may properly come before the Annual Meeting.Reported Earnings • May 12First quarter 2023 earnings released: EPS: US$0.16 (vs US$0.17 in 1Q 2022)First quarter 2023 results: EPS: US$0.16. Revenue: US$4.97m (up 43% from 1Q 2022). Net income: US$1.15m (up 35% from 1Q 2022). Profit margin: 23% (down from 25% in 1Q 2022). The decrease in margin was driven by higher expenses.Valuation Update With 7 Day Price Move • Mar 15Investor sentiment deteriorates as stock falls 16%After last week's 16% share price decline to US$3.21, the stock trades at a trailing P/E ratio of 5.8x. Average trailing P/E is 9x in the Banks industry in the US. Total returns to shareholders of 28% over the past three years.Reported Earnings • Mar 07Full year 2022 earnings released: EPS: US$0.68 (vs US$1.62 in FY 2021)Full year 2022 results: EPS: US$0.68 (down from US$1.62 in FY 2021). Revenue: US$15.3m (up 53% from FY 2021). Net income: US$4.02m (down 36% from FY 2021). Profit margin: 26% (down from 63% in FY 2021). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 102% per year but the company’s share price has only increased by 4% per year, which means it is significantly lagging earnings growth.分析記事 • Dec 19Does OptimumBank Holdings (NASDAQ:OPHC) Deserve A Spot On Your Watchlist?For beginners, it can seem like a good idea (and an exciting prospect) to buy a company that tells a good story to...Reported Earnings • Nov 16Third quarter 2022 earnings released: EPS: US$0.11 (vs US$0.21 in 3Q 2021)Third quarter 2022 results: EPS: US$0.11 (down from US$0.21 in 3Q 2021). Revenue: US$3.62m (up 39% from 3Q 2021). Net income: US$673.0k (down 27% from 3Q 2021). Profit margin: 19% (down from 35% in 3Q 2021). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 115% per year but the company’s share price has only increased by 15% per year, which means it is significantly lagging earnings growth.Reported Earnings • Nov 12Third quarter 2022 earnings released: EPS: US$0.11 (vs US$0.21 in 3Q 2021)Third quarter 2022 results: EPS: US$0.11 (down from US$0.21 in 3Q 2021). Revenue: US$3.62m (up 39% from 3Q 2021). Net income: US$673.0k (down 27% from 3Q 2021). Profit margin: 19% (down from 35% in 3Q 2021). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 115% per year but the company’s share price has only increased by 15% per year, which means it is significantly lagging earnings growth.お知らせ • Aug 31Optimumbank Holdings, Inc. and Optimumbank Announces Board ChangesOn August 23, 2022, the Board of Directors of OptimumBank Holdings, Inc. elected Steven Newman as a director to fill the vacancy resulting from the earlier resignation of director Heng Fai Ambrose Chan. Mr. Newman was also appointed as a director of the Company’s subsidiary, OptimumBank. The initial term as director for Mr. Newman will expire at the Company’s 2023 annual meeting of shareholders. Mr. Newman is independent under the NASDAQ Marketplace Rules and the Company’s criteria for determining director independence. Mr. Newman is the Chief Executive Officer of Newman Group, LLC, a licensed real estate firm based in Ft. Lauderdale. He has been an active member of the South Florida business community since 1998. Mr. Newman is an experienced real estate investor. Mr. Newman is the Co-founder and Chairman of the Board of Freight Factoring Specialists, LLC, a middle market, full-service factoring company serving the transportation industry. Mr. Newman received his B.A. in Sociology from Queens College at the City University of New York in 1988. Mr. Newman has been an active community volunteer and board member at multiple charitable organizations and lives in Hollywood, Florida.分析記事 • Aug 12Should You Be Adding OptimumBank Holdings (NASDAQ:OPHC) To Your Watchlist Today?For beginners, it can seem like a good idea (and an exciting prospect) to buy a company that tells a good story to...Reported Earnings • Aug 09Second quarter 2022 earnings released: EPS: US$0.16 (vs US$0.14 in 2Q 2021)Second quarter 2022 results: EPS: US$0.16 (up from US$0.14 in 2Q 2021). Revenue: US$3.53m (up 80% from 2Q 2021). Net income: US$945.0k (up 113% from 2Q 2021). Profit margin: 27% (up from 23% in 2Q 2021). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 119% per year but the company’s share price has only increased by 11% per year, which means it is significantly lagging earnings growth.Seeking Alpha • Aug 09OptimumBank reports Q2 resultsOptimumBank press release (NASDAQ:OPHC): Q2 pre-tax income of $1.26B, after a loan loss provision of $991M. Its loan portfolio increased this quarter to $353,597M or by 27.4% over the prior quarter’s ending balance amount of $277,508M.Valuation Update With 7 Day Price Move • Jun 02Investor sentiment improved over the past weekAfter last week's 16% share price gain to US$4.35, the stock trades at a trailing P/E ratio of 3.8x. Average trailing P/E is 10x in the Banks industry in the US. Total returns to shareholders of 23% over the past three years.Reported Earnings • May 13First quarter 2022 earnings released: EPS: US$0.17 (vs US$0.11 in 1Q 2021)First quarter 2022 results: EPS: US$0.17 (up from US$0.11 in 1Q 2021). Revenue: US$3.49m (up 85% from 1Q 2021). Net income: US$855.0k (up 146% from 1Q 2021). Profit margin: 25% (up from 19% in 1Q 2021). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 90% per year but the company’s share price has only increased by 4% per year, which means it is significantly lagging earnings growth.お知らせ • May 13Optimumbank and OptimumBank Holdings, Inc. Announces Board ResignationHeng Fai Ambrose Chan has informed the Boards of OptimumBank and OptimumBank Holding that he will resign from both Boards effective as of April 30, 2022. In his letter of resignation, Mr. Chan, who resides in Singapore, noted that he was regrettably stepping down due to the time difference and his workload. Mr. Chan served as a Director of the Bank and Company since June 2018. During his time on the Boards, Mr. Chan helped create a path for the Bank and Company to recover from legacy regulatory issues, leaving the Bank with a strong capitalstructure, explosive growth and a bright future.お知らせ • May 12OptimumBank Holdings, Inc. Announces Resignation of Chan Heng Fai Ambrose as DirectorOptimumBank Holdings, Inc. announced that on April 30, 2022, Chan Heng Fai Ambrose resigned as a director of OptimumBank Holdings, Inc. In submitting his resignation, Mr. Chan did not express any disagreement with the Company on any matter relating to the Company's operations, policies or practices. Mr. Chan had served as a director since June 2018. Mr. Chan stated that due to the time difference and his workload, he regretted that he had to resign from the Board.Board Change • Apr 27Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 4 experienced directors. 2 highly experienced directors. Independent Director Michael Blisko was the last director to join the board, commencing their role in 2021. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.お知らせ • Mar 31OptimumBank Holdings, Inc., Annual General Meeting, Apr 26, 2022OptimumBank Holdings, Inc., Annual General Meeting, Apr 26, 2022, at 10:00 US Eastern Standard Time. Location: The executive offices of OptimumBank, 2929 East Commercial Boulevard Suite 303 Fortt Lauderdale Florida United States Agenda: To elect seven directors; to ratify the selection of Hacker, Johnson & Smith, P.A. as the Company’s independent auditor for fiscal year 2022; and to transact such other business as may properly come before the Annual Meeting.Reported Earnings • Mar 10Full year 2021 earnings: Revenues and EPS in line with analyst expectationsFull year 2021 results: EPS: US$1.61 (up from US$0.27 loss in FY 2020). Revenue: US$10.0m (up 135% from FY 2020). Net income: US$6.30m (up US$7.08m from FY 2020). Profit margin: 63% (up from net loss in FY 2020). The move to profitability was primarily driven by higher revenue. Revenue was in line with analyst estimates. Over the last 3 years on average, earnings per share has increased by 51% per year but the company’s share price has remained flat, which means it is significantly lagging earnings.Valuation Update With 7 Day Price Move • Feb 02Investor sentiment improved over the past weekAfter last week's 22% share price gain to US$4.90, the stock trades at a trailing P/E ratio of 11.2x. Average trailing P/E is 11x in the Banks industry in the US. Total returns to shareholders of 29% over the past three years.Board Change • Dec 06Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 4 experienced directors. 2 highly experienced directors. Independent Director Michael Blisko was the last director to join the board, commencing their role in 2021. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.Valuation Update With 7 Day Price Move • Nov 27Investor sentiment deteriorated over the past weekAfter last week's 18% share price decline to US$4.06, the stock trades at a trailing P/E ratio of 9.2x. Average trailing P/E is 11x in the Banks industry in the US. Total returns to shareholders of 4.6% over the past three years.Reported Earnings • Nov 11Third quarter 2021 earnings released: EPS US$0.21 (vs US$0.17 loss in 3Q 2020)The company reported a strong third quarter result with improved earnings, revenues and profit margins. Third quarter 2021 results: Revenue: US$2.61m (up 182% from 3Q 2020). Net income: US$917.0k (up US$1.41m from 3Q 2020). Profit margin: 35% (up from net loss in 3Q 2020). The move to profitability was driven by higher revenue. Over the last 3 years on average, earnings per share has fallen by 18% per year but the company’s share price has increased by 3% per year, which means it is well ahead of earnings.Reported Earnings • Aug 12Second quarter 2021 earnings released: EPS US$0.14 (vs US$0.12 loss in 2Q 2020)The company reported a strong second quarter result with improved earnings, revenues and profit margins. Second quarter 2021 results: Revenue: US$1.96m (up 197% from 2Q 2020). Net income: US$444.0k (up US$791.0k from 2Q 2020). Profit margin: 23% (up from net loss in 2Q 2020). The move to profitability was driven by higher revenue. Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 64 percentage points per year, which is a significant difference in performance.Executive Departure • Jun 04Independent Director Jeffry Wagner has left the companyOn the 26th of May, Jeffry Wagner's tenure as Independent Director ended after 2.6 years in the role. We don't have any record of a personal shareholding under Jeffry's name. Jeffry is the only executive to leave the company over the last 12 months.分析記事 • May 19OptimumBank Holdings, Inc.'s (NASDAQ:OPHC) CEO Compensation Looks Acceptable To Us And Here's WhyShareholders may be wondering what CEO Tim Terry plans to do to improve the less than great performance at OptimumBank...Reported Earnings • May 14First quarter 2021 earnings released: EPS US$0.11 (vs US$0.11 loss in 1Q 2020)First quarter 2021 results: Net income: US$348.0k (up US$656.0k from 1Q 2020). Over the last 3 years on average, earnings per share has fallen by 57% per year but the company’s share price has only fallen by 18% per year, which means it has not declined as severely as earnings.Reported Earnings • Mar 27Full year 2020 earnings released: US$0.27 loss per share (vs US$0.58 loss in FY 2019)Full year 2020 results: Net loss: US$782.0k (loss narrowed 29% from FY 2019). Over the last 3 years on average, earnings per share has fallen by 46% per year but the company’s share price has only fallen by 4% per year, which means it has not declined as severely as earnings.Is New 90 Day High Low • Feb 09New 90-day high: US$3.92The company is up 24% from its price of US$3.15 on 10 November 2020. The American market is up 16% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Banks industry, which is up 22% over the same period.Is New 90 Day High Low • Jan 09New 90-day high: US$3.55The company is up 22% from its price of US$2.91 on 09 October 2020. The American market is up 13% over the last 90 days, indicating the company outperformed over that time. However, it underperformed the Banks industry, which is up 34% over the same period.分析記事 • Dec 29A Quick Analysis On OptimumBank Holdings' (NASDAQ:OPHC) CEO CompensationThis article will reflect on the compensation paid to Tim Terry who has served as CEO of OptimumBank Holdings, Inc...Is New 90 Day High Low • Dec 25New 90-day high: US$3.28The company is up 21% from its price of US$2.71 on 25 September 2020. The American market is up 18% over the last 90 days, indicating the company outperformed over that time. However, it underperformed the Banks industry, which is up 38% over the same period.Reported Earnings • Nov 14Third quarter 2020 earnings released: US$0.17 loss per shareThird quarter 2020 results: Net loss: US$496.0k (loss widened 77% from 3Q 2019). Over the last 3 years on average, earnings per share has fallen by 34% per year but the company’s share price has only fallen by 16% per year, which means it has not declined as severely as earnings.Is New 90 Day High Low • Nov 11New 90-day high: US$3.15The company is up 25% from its price of US$2.53 on 13 August 2020. The American market is up 6.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Banks industry, which is up 10.0% over the same period.Is New 90 Day High Low • Oct 24New 90-day high: US$3.01The company is up 30% from its price of US$2.31 on 24 July 2020. The American market is up 9.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Banks industry, which is up 4.0% over the same period.お知らせ • Jul 09OptimumBank Holdings, Inc. announced that it has received $2.5 million in fundingOptimumBank Holdings, Inc. (NasdaqCM:OPHC) announced that it has entered into a purchase agreement for a private placement of 100 convertible Series B preferred shares issued at an issue price of $25,000 per share for gross proceeds of $2,500,000 on June 23, 2020. The transaction included participation from Michael Blisko. The preferred shares are convertible into common shares at a conversion price of $2.5 per share. The conversion of shares is subject to shareholder approval.業績と収益の成長予測NYSEAM:OPHC - アナリストの将来予測と過去の財務データ ( )USD Millions日付収益収益フリー・キャッシュフロー営業活動によるキャッシュ平均アナリスト数3/31/20265117N/AN/AN/A12/31/202547171718N/A9/30/202544161617N/A6/30/202541151819N/A3/31/202540151516N/A12/31/202437131516N/A9/30/20243512910N/A6/30/2024301067N/A3/31/202426899N/A12/31/202323667N/A9/30/20232151010N/A6/30/20231951111N/A3/31/202317489N/A12/31/20221541010N/A9/30/20221471011N/A6/30/202213767N/A3/31/202212755N/A12/31/202110634N/A9/30/20218201N/A6/30/20217101N/A3/31/202150-1-1N/A12/31/20204-1-2-1N/A9/30/20203-1-2-2N/A6/30/20203-1-1-1N/A3/31/20203-1-10N/A12/31/20193-1N/A-1N/A9/30/20193-1N/A-1N/A6/30/20193-1N/A-1N/A3/31/201951N/A0N/A12/31/201851N/A0N/A9/30/201851N/A0N/A6/30/201861N/A0N/A3/31/20183-1N/A0N/A12/31/20174-1N/A1N/A9/30/20173-1N/A1N/A6/30/20173-1N/A1N/A3/31/201740N/A1N/A12/31/201640N/A1N/A9/30/201640N/A0N/A6/30/201640N/A0N/A3/31/201640N/A0N/A12/31/201540N/A1N/A9/30/201540N/A1N/A6/30/201540N/A0N/Aもっと見るアナリストによる今後の成長予測収入対貯蓄率: OPHCの予測収益成長率 (年間16.6% ) は 貯蓄率 ( 3.5% ) を上回っています。収益対市場: OPHCの収益 ( 16.6% ) US市場 ( 16.7% ) よりも低い成長が予測されています。高成長収益: OPHCの収益は増加すると予測されていますが、大幅には増加しません。収益対市場: OPHCの収益がUS市場よりも速く成長すると予測されるかどうかを判断するにはデータが不十分です。高い収益成長: OPHCの収益が年間20%よりも速く成長すると予測されるかどうかを判断するにはデータが不十分です。一株当たり利益成長率予想将来の株主資本利益率将来のROE: OPHCの 自己資本利益率 が 3 年後に高くなると予測されるかどうかを判断するにはデータが不十分です成長企業の発掘7D1Y7D1Y7D1YBanks 業界の高成長企業。View Past Performance企業分析と財務データの現状データ最終更新日（UTC時間）企業分析2026/05/21 11:49終値2026/05/21 00:00収益2026/03/31年間収益2025/12/31データソース企業分析に使用したデータはS&P Global Market Intelligence LLC のものです。本レポートを作成するための分析モデルでは、以下のデータを使用しています。データは正規化されているため、ソースが利用可能になるまでに時間がかかる場合があります。パッケージデータタイムフレーム米国ソース例会社財務10年損益計算書キャッシュ・フロー計算書貸借対照表SECフォーム10-KSECフォーム10-Qアナリストのコンセンサス予想+プラス3年予想財務アナリストの目標株価アナリストリサーチレポートBlue Matrix市場価格30年株価配当、分割、措置ICEマーケットデータSECフォームS-1所有権10年トップ株主インサイダー取引SECフォーム4SECフォーム13Dマネジメント10年リーダーシップ・チーム取締役会SECフォーム10-KSECフォームDEF 14A主な進展10年会社からのお知らせSECフォーム8-K* 米国証券を対象とした例であり、非米国証券については、同等の規制書式および情報源を使用。特に断りのない限り、すべての財務データは1年ごとの期間に基づいていますが、四半期ごとに更新されます。これは、TTM（Trailing Twelve Month）またはLTM（Last Twelve Month）データとして知られています。詳細はこちら。分析モデルとスノーフレーク本レポートを生成するために使用した分析モデルの詳細は当社のGithubページでご覧いただけます。また、レポートの使用方法に関するガイドやYoutubeのチュートリアルも掲載しています。シンプリー・ウォールストリート分析モデルを設計・構築した世界トップクラスのチームについてご紹介します。業界およびセクターの指標私たちの業界とセクションの指標は、Simply Wall Stによって6時間ごとに計算されます。アナリスト筋OptimumBank Holdings, Inc. 1 これらのアナリストのうち、弊社レポートのインプットとして使用した売上高または利益の予想を提出したのは、 。アナリストの投稿は一日中更新されます。3 アナリスト機関Gaurav MehtaAlliance Global PartnersKenneth BillingsleyCompass Point Research & Trading, LLCMerrill RossCompass Point Research & Trading, LLC
Price Target Changed • May 15Price target decreased by 9.1% to US$5.00Down from US$5.50, the current price target is provided by 1 analyst. New target price is 7.8% above last closing price of US$4.64. Stock is up 7.9% over the past year. The company is forecast to post earnings per share of US$0.61 for next year compared to US$1.39 last year.
お知らせ • Apr 26OptimumBank Holdings, Inc. Announces Net Charge Offs Charges for the First Quarter Ended March 31, 2026OptimumBank Holdings, Inc. announced net charge offs charges for the first quarter ended March 31, 2026. For the period, Gross charge-offs remained modest at $44,000 while recoveries totaled $41,000, resulting in net charge-offs of $3,000 during the first quarter of 2026.
お知らせ • Mar 19OptimumBank Holdings, Inc., Annual General Meeting, Apr 28, 2026OptimumBank Holdings, Inc., Annual General Meeting, Apr 28, 2026. Location: offices of optimumbank, 2929 east commercial boulevard, fort lauderdale, suite 303, florida 33308, United States
Reported Earnings • Mar 03Full year 2025 earnings released: EPS: US$1.42 (vs US$1.39 in FY 2024)Full year 2025 results: EPS: US$1.42 (up from US$1.39 in FY 2024). Revenue: US$47.3m (up 27% from FY 2024). Net income: US$16.6m (up 27% from FY 2024). Profit margin: 35% (in line with FY 2024). Over the last 3 years on average, earnings per share has increased by 28% per year but the company’s share price has only increased by 12% per year, which means it is significantly lagging earnings growth.
Recent Insider Transactions • Feb 05Principal Executive Officer recently sold US$186k worth of stockOn the 2nd of February, Timothy Terry sold around 39k shares on-market at roughly US$4.73 per share. This transaction amounted to 100% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. This was Timothy's only on-market trade for the last 12 months.
New Risk • Feb 04New minor risk - Shareholder dilutionThe company's shareholders have been diluted in the past year. Increase in shares outstanding: 20% This is considered a minor risk. Shareholder dilution occurs when there is an increase in the number of shares on issue that is not proportionally distributed between all shareholders. Often due to the company raising equity capital or some options being converted into stock. All else being equal, if there are more shares outstanding then each existing share will be entitled to a lower proportion of the company's total earnings, thus reducing earnings per share (EPS). While dilution might not always result in lower EPS (like if the company is using the capital to fund an EPS accretive acquisition) in a lot cases it does, along with lower dividends per share and less voting power at shareholder meetings. Currently, the following risks have been identified for the company: Minor Risks Shareholders have been diluted in the past year (20% increase in shares outstanding). Market cap is less than US$100m (US$58.6m market cap).
お知らせ • Feb 03OptimumBank Holdings, Inc. Reports Net Charge Net Charge-Offs for the Fourth Quarter of 2025OptimumBank Holdings, Inc. reported net charge net charge-offs for the fourth quarter of 2025, For the period, the company's Gross charge-offs remained modest at $201,000, while recoveries totalled $67,000, resultingin net charge-offs of $134,000, reflecting a well-managed loan portfolio.
Reported Earnings • Feb 02Full year 2025 earnings: EPS and revenues exceed analyst expectationsFull year 2025 results: EPS: US$1.42 (up from US$1.39 in FY 2024). Revenue: US$47.3m (up 27% from FY 2024). Net income: US$16.6m (up 27% from FY 2024). Profit margin: 35% (in line with FY 2024). Revenue exceeded analyst estimates significantly. Earnings per share (EPS) also surpassed analyst estimates by 1.4%. Revenue is forecast to grow 73% p.a. on average during the next 2 years, compared to a 8.8% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 28% per year but the company’s share price has only increased by 6% per year, which means it is significantly lagging earnings growth.
Recent Insider Transactions Derivative • Jan 07Principal Executive Officer notifies of intention to sell stockTimothy Terry intends to sell 39k shares in the next 90 days after lodging an Intent To Sell Form on the 5th of January. If the sale is conducted around the recent share price of US$4.24, it would amount to US$167k. For the year to December 2019, Timothy's total compensation was 78% salary and 22% non-salary. Since March 2025, Timothy has owned 39.30k shares directly. Company insiders have collectively bought US$37k more than they sold, via options and on-market transactions, in the last 12 months.
Reported Earnings • Nov 12Third quarter 2025 earnings released: EPS: US$0.37 (vs US$0.34 in 3Q 2024)Third quarter 2025 results: EPS: US$0.37 (up from US$0.34 in 3Q 2024). Revenue: US$12.3m (up 26% from 3Q 2024). Net income: US$4.32m (up 31% from 3Q 2024). Profit margin: 35% (up from 34% in 3Q 2024). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 21% per year but the company’s share price has fallen by 4% per year, which means it is significantly lagging earnings.
お知らせ • Nov 06OptimumBank Holdings, Inc. to Report Q3, 2025 Results on Nov 13, 2025OptimumBank Holdings, Inc. announced that they will report Q3, 2025 results Pre-Market on Nov 13, 2025
Board Change • Sep 01Insufficient new directorsNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 3 experienced directors. 3 highly experienced directors. Independent Director Steven Newman was the last director to join the board, commencing their role in 2022. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.
Reported Earnings • Aug 08Second quarter 2025 earnings released: EPS: US$0.31 (vs US$0.36 in 2Q 2024)Second quarter 2025 results: EPS: US$0.31. Revenue: US$11.0m (up 13% from 2Q 2024). Net income: US$3.60m (up 3.0% from 2Q 2024). Profit margin: 33% (down from 36% in 2Q 2024). The decrease in margin was driven by higher expenses.
Price Target Changed • May 15Price target decreased by 9.1% to US$5.00Down from US$5.50, the current price target is provided by 1 analyst. New target price is 7.8% above last closing price of US$4.64. Stock is up 7.9% over the past year. The company is forecast to post earnings per share of US$0.61 for next year compared to US$1.39 last year.
Reported Earnings • May 14First quarter 2025 earnings released: EPS: US$0.33 (vs US$0.31 in 1Q 2024)First quarter 2025 results: EPS: US$0.33 (up from US$0.31 in 1Q 2024). Revenue: US$10.8m (up 36% from 1Q 2024). Net income: US$3.87m (up 63% from 1Q 2024). Profit margin: 36% (up from 30% in 1Q 2024). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 3% per year whereas the company’s share price has increased by 5% per year.
お知らせ • Apr 04OptimumBank Holdings, Inc., Annual General Meeting, Apr 29, 2025OptimumBank Holdings, Inc., Annual General Meeting, Apr 29, 2025. Location: optimumbank executive officers, 2929 east commercial boulevard, suite 303, fort lauderdale, florida 33308, United States
Reported Earnings • Feb 06Full year 2024 earnings released: EPS: US$1.39 (vs US$0.87 in FY 2023)Full year 2024 results: EPS: US$1.39 (up from US$0.87 in FY 2023). Revenue: US$37.1m (up 60% from FY 2023). Net income: US$13.1m (up 109% from FY 2023). Profit margin: 35% (up from 27% in FY 2023). The increase in margin was driven by higher revenue. Net interest margin (NIM): 3.83% (up from 3.75% in FY 2023). Over the last 3 years on average, earnings per share has fallen by 7% per year but the company’s share price has increased by 1% per year, which means it is well ahead of earnings.
お知らせ • Jan 30OptimumBank Holdings, Inc. And OptimumBank Announce Resignation of Martin Z. Schmidt from the Boards of DirectorsEffective January 28, 2025, Martin Z. Schmidt resigned from the Boards of Directors of OptimumBank Holdings, Inc. and OptimumBank. Mr. Schmidt has confirmed that his resignation is not due to any disagreement with either entity.
New Risk • Jan 16New major risk - Shareholder dilutionThe company's shareholders have been substantially diluted in the past year. Increase in shares outstanding: 39% This is considered a major risk. Shareholder dilution occurs when there is an increase in the number of shares on issue that is not proportionally distributed between all shareholders. Often due to the company raising equity capital or some options being converted into stock. All else being equal, if there are more shares outstanding then each existing share will be entitled to a lower proportion of the company's total earnings, thus reducing earnings per share (EPS). While dilution might not always result in lower EPS (like if the company is using the capital to fund an EPS accretive acquisition) in a lot cases it does, along with lower dividends per share and less voting power at shareholder meetings. Currently, the following risks have been identified for the company: Major Risk Shareholders have been substantially diluted in the past year (39% increase in shares outstanding). Minor Risk Market cap is less than US$100m (US$45.6m market cap).
お知らせ • Dec 31OptimumBank Holdings, Inc.(NYSEAM:OPHC) dropped from NASDAQ Composite IndexOptimumBank Holdings Inc. has been dropped from the Nasdaq Composite Index.
Reported Earnings • Nov 10Third quarter 2024 earnings released: EPS: US$0.34 (vs US$0.17 in 3Q 2023)Third quarter 2024 results: EPS: US$0.34 (up from US$0.17 in 3Q 2023). Revenue: US$9.72m (up 81% from 3Q 2023). Net income: US$3.30m (up 160% from 3Q 2023). Profit margin: 34% (up from 24% in 3Q 2023). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has fallen by 5% per year but the company’s share price has increased by 2% per year, which means it is well ahead of earnings.
分析記事 • Nov 09Here's Why OptimumBank Holdings (NASDAQ:OPHC) Has Caught The Eye Of InvestorsFor beginners, it can seem like a good idea (and an exciting prospect) to buy a company that tells a good story to...
Valuation Update With 7 Day Price Move • Nov 08Investor sentiment improves as stock rises 16%After last week's 16% share price gain to US$5.48, the stock trades at a trailing P/E ratio of 5.5x. Average trailing P/E is 13x in the Banks industry in the US. Total returns to shareholders of 5.2% over the past three years.
お知らせ • Aug 11OptimumBank Holdings, Inc. has filed a Follow-on Equity Offering in the amount of $25 million.OptimumBank Holdings, Inc. has filed a Follow-on Equity Offering in the amount of $25 million. Security Name: Common Stock Security Type: Common Stock Transaction Features: At the Market Offering
Reported Earnings • Aug 06Second quarter 2024 earnings released: EPS: US$0.36 (vs US$0.18 in 2Q 2023)Second quarter 2024 results: EPS: US$0.36 (up from US$0.18 in 2Q 2023). Revenue: US$9.75m (up 72% from 2Q 2023). Net income: US$3.50m (up 167% from 2Q 2023). Profit margin: 36% (up from 23% in 2Q 2023). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 1% per year but the company’s share price has fallen by 6% per year, which means it is significantly lagging earnings.
Board Change • Jun 02Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 3 experienced directors. 3 highly experienced directors. Independent Director Steven Newman was the last director to join the board, commencing their role in 2022. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.
Reported Earnings • May 14First quarter 2024 earnings released: EPS: US$0.31 (vs US$0.16 in 1Q 2023)First quarter 2024 results: EPS: US$0.31 (up from US$0.16 in 1Q 2023). Revenue: US$7.93m (up 60% from 1Q 2023). Net income: US$2.38m (up 106% from 1Q 2023). Profit margin: 30% (up from 23% in 1Q 2023). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 12% per year whereas the company’s share price has increased by 7% per year.
お知らせ • Apr 23OptimumBank Holdings, Inc., Annual General Meeting, May 29, 2024OptimumBank Holdings, Inc., Annual General Meeting, May 29, 2024. Location: optimumBank Fort Lauderdale Office 2929 E Commercial Blvd Fort Lauderdale United States
お知らせ • Mar 29OptimumBank Holdings, Inc. announced that it has received $7.942998 million in fundingOptimumBank Holdings, Inc. entered into subscription agreements and has issued 1,511,025 shares of common stock and 525,641 shares of Series C convertible preferred stock at $3.90 per share for a gross proceeds of $7,942,997 on March 28, 2024. The transaction included participation from 6 investors.
Reported Earnings • Mar 10Full year 2023 earnings released: EPS: US$0.87 (vs US$0.68 in FY 2022)Full year 2023 results: EPS: US$0.87 (up from US$0.68 in FY 2022). Revenue: US$23.1m (up 51% from FY 2022). Net income: US$6.28m (up 56% from FY 2022). Profit margin: 27% (up from 26% in FY 2022). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 28% per year but the company’s share price has only increased by 7% per year, which means it is significantly lagging earnings growth.
New Risk • Mar 09New minor risk - Shareholder dilutionThe company's shareholders have been diluted in the past year. Increase in shares outstanding: 8.5% This is considered a minor risk. Shareholder dilution occurs when there is an increase in the number of shares on issue that is not proportionally distributed between all shareholders. Often due to the company raising equity capital or some options being converted into stock. All else being equal, if there are more shares outstanding then each existing share will be entitled to a lower proportion of the company's total earnings, thus reducing earnings per share (EPS). While dilution might not always result in lower EPS (like if the company is using the capital to fund an EPS accretive acquisition) in a lot cases it does, along with lower dividends per share and less voting power at shareholder meetings. Currently, the following risks have been identified for the company: Minor Risks Profit margins are more than 30% lower than last year (26% net profit margin). Shareholders have been diluted in the past year (8.5% increase in shares outstanding). Market cap is less than US$100m (US$36.0m market cap).
Reported Earnings • Nov 12Third quarter 2023 earnings released: EPS: US$0.18 (vs US$0.11 in 3Q 2022)Third quarter 2023 results: EPS: US$0.18 (up from US$0.11 in 3Q 2022). Revenue: US$5.38m (up 49% from 3Q 2022). Net income: US$1.27m (up 89% from 3Q 2022). Profit margin: 24% (up from 19% in 3Q 2022). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 49% per year but the company’s share price has only increased by 3% per year, which means it is significantly lagging earnings growth.
Recent Insider Transactions Derivative • Aug 14Principal Executive Officer notifies of intention to sell stockTimothy Terry intends to sell 21k shares in the next 90 days after lodging an Intent To Sell Form on the 11th of August. If the sale is conducted around the recent share price of US$3.00, it would amount to US$64k. For the year to December 2016, Timothy's total compensation was 96% salary and 4% non-salary. Since March 2023, Timothy has owned 66.51k shares directly. There has only been one transaction (US$27k purchase) from insiders over the last 12 months.
Reported Earnings • Aug 10Second quarter 2023 earnings released: EPS: US$0.18 (vs US$0.16 in 2Q 2022)Second quarter 2023 results: EPS: US$0.18 (up from US$0.16 in 2Q 2022). Revenue: US$5.66m (up 61% from 2Q 2022). Net income: US$1.31m (up 39% from 2Q 2022). Profit margin: 23% (down from 27% in 2Q 2022). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 69% per year but the company’s share price has only increased by 6% per year, which means it is significantly lagging earnings growth.
お知らせ • May 31OptimumBank Holdings, Inc., Annual General Meeting, Jun 27, 2023OptimumBank Holdings, Inc., Annual General Meeting, Jun 27, 2023, at 10:00 US Eastern Standard Time. Location: At the executive offices of OptimumBank, 2929 East Commercial Boulevard Fort Lauderdale, Suite 303, Florida 33308 Florida United States Agenda: To elect seven directors; to approve the issuance of up to 11,113,889 shares of common stock upon conversion of the Series B preferred stock previously issued by the Company; to approve an amendment to the Company’s articles of incorporation to increase the maximum number of shares of common stock that may be issued by the Company from 10,000,000 shares to 30,000,000 shares; to approve an amendment to the Company’s 2018 Equity Incentive Plan to increase the maximum number of shares that may be issued under the plan from 550,000 shares to 1,050,000 shares; to consider an advisory vote on executive compensation; to consider an advisory vote on the frequency of the advisory vote on executive compensation; to ratify the selection of Hacker, Johnson & Smith, P.A. as the Company’s independent auditor for fiscal year 2023; and to transact such other business as may properly come before the Annual Meeting.
Reported Earnings • May 12First quarter 2023 earnings released: EPS: US$0.16 (vs US$0.17 in 1Q 2022)First quarter 2023 results: EPS: US$0.16. Revenue: US$4.97m (up 43% from 1Q 2022). Net income: US$1.15m (up 35% from 1Q 2022). Profit margin: 23% (down from 25% in 1Q 2022). The decrease in margin was driven by higher expenses.
Valuation Update With 7 Day Price Move • Mar 15Investor sentiment deteriorates as stock falls 16%After last week's 16% share price decline to US$3.21, the stock trades at a trailing P/E ratio of 5.8x. Average trailing P/E is 9x in the Banks industry in the US. Total returns to shareholders of 28% over the past three years.
Reported Earnings • Mar 07Full year 2022 earnings released: EPS: US$0.68 (vs US$1.62 in FY 2021)Full year 2022 results: EPS: US$0.68 (down from US$1.62 in FY 2021). Revenue: US$15.3m (up 53% from FY 2021). Net income: US$4.02m (down 36% from FY 2021). Profit margin: 26% (down from 63% in FY 2021). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 102% per year but the company’s share price has only increased by 4% per year, which means it is significantly lagging earnings growth.
分析記事 • Dec 19Does OptimumBank Holdings (NASDAQ:OPHC) Deserve A Spot On Your Watchlist?For beginners, it can seem like a good idea (and an exciting prospect) to buy a company that tells a good story to...
Reported Earnings • Nov 16Third quarter 2022 earnings released: EPS: US$0.11 (vs US$0.21 in 3Q 2021)Third quarter 2022 results: EPS: US$0.11 (down from US$0.21 in 3Q 2021). Revenue: US$3.62m (up 39% from 3Q 2021). Net income: US$673.0k (down 27% from 3Q 2021). Profit margin: 19% (down from 35% in 3Q 2021). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 115% per year but the company’s share price has only increased by 15% per year, which means it is significantly lagging earnings growth.
Reported Earnings • Nov 12Third quarter 2022 earnings released: EPS: US$0.11 (vs US$0.21 in 3Q 2021)Third quarter 2022 results: EPS: US$0.11 (down from US$0.21 in 3Q 2021). Revenue: US$3.62m (up 39% from 3Q 2021). Net income: US$673.0k (down 27% from 3Q 2021). Profit margin: 19% (down from 35% in 3Q 2021). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 115% per year but the company’s share price has only increased by 15% per year, which means it is significantly lagging earnings growth.
お知らせ • Aug 31Optimumbank Holdings, Inc. and Optimumbank Announces Board ChangesOn August 23, 2022, the Board of Directors of OptimumBank Holdings, Inc. elected Steven Newman as a director to fill the vacancy resulting from the earlier resignation of director Heng Fai Ambrose Chan. Mr. Newman was also appointed as a director of the Company’s subsidiary, OptimumBank. The initial term as director for Mr. Newman will expire at the Company’s 2023 annual meeting of shareholders. Mr. Newman is independent under the NASDAQ Marketplace Rules and the Company’s criteria for determining director independence. Mr. Newman is the Chief Executive Officer of Newman Group, LLC, a licensed real estate firm based in Ft. Lauderdale. He has been an active member of the South Florida business community since 1998. Mr. Newman is an experienced real estate investor. Mr. Newman is the Co-founder and Chairman of the Board of Freight Factoring Specialists, LLC, a middle market, full-service factoring company serving the transportation industry. Mr. Newman received his B.A. in Sociology from Queens College at the City University of New York in 1988. Mr. Newman has been an active community volunteer and board member at multiple charitable organizations and lives in Hollywood, Florida.
分析記事 • Aug 12Should You Be Adding OptimumBank Holdings (NASDAQ:OPHC) To Your Watchlist Today?For beginners, it can seem like a good idea (and an exciting prospect) to buy a company that tells a good story to...
Reported Earnings • Aug 09Second quarter 2022 earnings released: EPS: US$0.16 (vs US$0.14 in 2Q 2021)Second quarter 2022 results: EPS: US$0.16 (up from US$0.14 in 2Q 2021). Revenue: US$3.53m (up 80% from 2Q 2021). Net income: US$945.0k (up 113% from 2Q 2021). Profit margin: 27% (up from 23% in 2Q 2021). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 119% per year but the company’s share price has only increased by 11% per year, which means it is significantly lagging earnings growth.
Seeking Alpha • Aug 09OptimumBank reports Q2 resultsOptimumBank press release (NASDAQ:OPHC): Q2 pre-tax income of $1.26B, after a loan loss provision of $991M. Its loan portfolio increased this quarter to $353,597M or by 27.4% over the prior quarter’s ending balance amount of $277,508M.
Valuation Update With 7 Day Price Move • Jun 02Investor sentiment improved over the past weekAfter last week's 16% share price gain to US$4.35, the stock trades at a trailing P/E ratio of 3.8x. Average trailing P/E is 10x in the Banks industry in the US. Total returns to shareholders of 23% over the past three years.
Reported Earnings • May 13First quarter 2022 earnings released: EPS: US$0.17 (vs US$0.11 in 1Q 2021)First quarter 2022 results: EPS: US$0.17 (up from US$0.11 in 1Q 2021). Revenue: US$3.49m (up 85% from 1Q 2021). Net income: US$855.0k (up 146% from 1Q 2021). Profit margin: 25% (up from 19% in 1Q 2021). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 90% per year but the company’s share price has only increased by 4% per year, which means it is significantly lagging earnings growth.
お知らせ • May 13Optimumbank and OptimumBank Holdings, Inc. Announces Board ResignationHeng Fai Ambrose Chan has informed the Boards of OptimumBank and OptimumBank Holding that he will resign from both Boards effective as of April 30, 2022. In his letter of resignation, Mr. Chan, who resides in Singapore, noted that he was regrettably stepping down due to the time difference and his workload. Mr. Chan served as a Director of the Bank and Company since June 2018. During his time on the Boards, Mr. Chan helped create a path for the Bank and Company to recover from legacy regulatory issues, leaving the Bank with a strong capitalstructure, explosive growth and a bright future.
お知らせ • May 12OptimumBank Holdings, Inc. Announces Resignation of Chan Heng Fai Ambrose as DirectorOptimumBank Holdings, Inc. announced that on April 30, 2022, Chan Heng Fai Ambrose resigned as a director of OptimumBank Holdings, Inc. In submitting his resignation, Mr. Chan did not express any disagreement with the Company on any matter relating to the Company's operations, policies or practices. Mr. Chan had served as a director since June 2018. Mr. Chan stated that due to the time difference and his workload, he regretted that he had to resign from the Board.
Board Change • Apr 27Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 4 experienced directors. 2 highly experienced directors. Independent Director Michael Blisko was the last director to join the board, commencing their role in 2021. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.
お知らせ • Mar 31OptimumBank Holdings, Inc., Annual General Meeting, Apr 26, 2022OptimumBank Holdings, Inc., Annual General Meeting, Apr 26, 2022, at 10:00 US Eastern Standard Time. Location: The executive offices of OptimumBank, 2929 East Commercial Boulevard Suite 303 Fortt Lauderdale Florida United States Agenda: To elect seven directors; to ratify the selection of Hacker, Johnson & Smith, P.A. as the Company’s independent auditor for fiscal year 2022; and to transact such other business as may properly come before the Annual Meeting.
Reported Earnings • Mar 10Full year 2021 earnings: Revenues and EPS in line with analyst expectationsFull year 2021 results: EPS: US$1.61 (up from US$0.27 loss in FY 2020). Revenue: US$10.0m (up 135% from FY 2020). Net income: US$6.30m (up US$7.08m from FY 2020). Profit margin: 63% (up from net loss in FY 2020). The move to profitability was primarily driven by higher revenue. Revenue was in line with analyst estimates. Over the last 3 years on average, earnings per share has increased by 51% per year but the company’s share price has remained flat, which means it is significantly lagging earnings.
Valuation Update With 7 Day Price Move • Feb 02Investor sentiment improved over the past weekAfter last week's 22% share price gain to US$4.90, the stock trades at a trailing P/E ratio of 11.2x. Average trailing P/E is 11x in the Banks industry in the US. Total returns to shareholders of 29% over the past three years.
Board Change • Dec 06Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 4 experienced directors. 2 highly experienced directors. Independent Director Michael Blisko was the last director to join the board, commencing their role in 2021. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.
Valuation Update With 7 Day Price Move • Nov 27Investor sentiment deteriorated over the past weekAfter last week's 18% share price decline to US$4.06, the stock trades at a trailing P/E ratio of 9.2x. Average trailing P/E is 11x in the Banks industry in the US. Total returns to shareholders of 4.6% over the past three years.
Reported Earnings • Nov 11Third quarter 2021 earnings released: EPS US$0.21 (vs US$0.17 loss in 3Q 2020)The company reported a strong third quarter result with improved earnings, revenues and profit margins. Third quarter 2021 results: Revenue: US$2.61m (up 182% from 3Q 2020). Net income: US$917.0k (up US$1.41m from 3Q 2020). Profit margin: 35% (up from net loss in 3Q 2020). The move to profitability was driven by higher revenue. Over the last 3 years on average, earnings per share has fallen by 18% per year but the company’s share price has increased by 3% per year, which means it is well ahead of earnings.
Reported Earnings • Aug 12Second quarter 2021 earnings released: EPS US$0.14 (vs US$0.12 loss in 2Q 2020)The company reported a strong second quarter result with improved earnings, revenues and profit margins. Second quarter 2021 results: Revenue: US$1.96m (up 197% from 2Q 2020). Net income: US$444.0k (up US$791.0k from 2Q 2020). Profit margin: 23% (up from net loss in 2Q 2020). The move to profitability was driven by higher revenue. Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 64 percentage points per year, which is a significant difference in performance.
Executive Departure • Jun 04Independent Director Jeffry Wagner has left the companyOn the 26th of May, Jeffry Wagner's tenure as Independent Director ended after 2.6 years in the role. We don't have any record of a personal shareholding under Jeffry's name. Jeffry is the only executive to leave the company over the last 12 months.
分析記事 • May 19OptimumBank Holdings, Inc.'s (NASDAQ:OPHC) CEO Compensation Looks Acceptable To Us And Here's WhyShareholders may be wondering what CEO Tim Terry plans to do to improve the less than great performance at OptimumBank...
Reported Earnings • May 14First quarter 2021 earnings released: EPS US$0.11 (vs US$0.11 loss in 1Q 2020)First quarter 2021 results: Net income: US$348.0k (up US$656.0k from 1Q 2020). Over the last 3 years on average, earnings per share has fallen by 57% per year but the company’s share price has only fallen by 18% per year, which means it has not declined as severely as earnings.
Reported Earnings • Mar 27Full year 2020 earnings released: US$0.27 loss per share (vs US$0.58 loss in FY 2019)Full year 2020 results: Net loss: US$782.0k (loss narrowed 29% from FY 2019). Over the last 3 years on average, earnings per share has fallen by 46% per year but the company’s share price has only fallen by 4% per year, which means it has not declined as severely as earnings.
Is New 90 Day High Low • Feb 09New 90-day high: US$3.92The company is up 24% from its price of US$3.15 on 10 November 2020. The American market is up 16% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Banks industry, which is up 22% over the same period.
Is New 90 Day High Low • Jan 09New 90-day high: US$3.55The company is up 22% from its price of US$2.91 on 09 October 2020. The American market is up 13% over the last 90 days, indicating the company outperformed over that time. However, it underperformed the Banks industry, which is up 34% over the same period.
分析記事 • Dec 29A Quick Analysis On OptimumBank Holdings' (NASDAQ:OPHC) CEO CompensationThis article will reflect on the compensation paid to Tim Terry who has served as CEO of OptimumBank Holdings, Inc...
Is New 90 Day High Low • Dec 25New 90-day high: US$3.28The company is up 21% from its price of US$2.71 on 25 September 2020. The American market is up 18% over the last 90 days, indicating the company outperformed over that time. However, it underperformed the Banks industry, which is up 38% over the same period.
Reported Earnings • Nov 14Third quarter 2020 earnings released: US$0.17 loss per shareThird quarter 2020 results: Net loss: US$496.0k (loss widened 77% from 3Q 2019). Over the last 3 years on average, earnings per share has fallen by 34% per year but the company’s share price has only fallen by 16% per year, which means it has not declined as severely as earnings.
Is New 90 Day High Low • Nov 11New 90-day high: US$3.15The company is up 25% from its price of US$2.53 on 13 August 2020. The American market is up 6.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Banks industry, which is up 10.0% over the same period.
Is New 90 Day High Low • Oct 24New 90-day high: US$3.01The company is up 30% from its price of US$2.31 on 24 July 2020. The American market is up 9.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Banks industry, which is up 4.0% over the same period.
お知らせ • Jul 09OptimumBank Holdings, Inc. announced that it has received $2.5 million in fundingOptimumBank Holdings, Inc. (NasdaqCM:OPHC) announced that it has entered into a purchase agreement for a private placement of 100 convertible Series B preferred shares issued at an issue price of $25,000 per share for gross proceeds of $2,500,000 on June 23, 2020. The transaction included participation from Michael Blisko. The preferred shares are convertible into common shares at a conversion price of $2.5 per share. The conversion of shares is subject to shareholder approval.