NasdaqCM:OPHC

Stock Analysis Report

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Executive Summary

OptimumBank Holdings, Inc. operates as the bank holding company for OptimumBank that provides a range of consumer and commercial banking services to individuals and businesses.


Snowflake Analysis

Flawless balance sheet with weak fundamentals.

Share Price & News

How has OptimumBank Holdings's share price performed over time and what events caused price changes?


Latest Share Price and Events

Stable Share Price: OPHC's share price has been volatile over the past 3 months.


Market Performance


7 Day Return

-8.7%

OPHC

3.1%

US Banks

0.5%

US Market


1 Year Return

19.3%

OPHC

-15.2%

US Banks

18.7%

US Market

Return vs Industry: OPHC exceeded the US Banks industry which returned -15.2% over the past year.

Return vs Market: OPHC matched the US Market which returned 18.7% over the past year.


Shareholder returns

OPHCIndustryMarket
7 Day-8.7%3.1%0.5%
30 Day20.5%5.7%4.9%
90 Day27.8%20.1%19.8%
1 Year19.3%19.3%-12.2%-15.2%21.2%18.7%
3 Year-5.6%-5.6%-7.2%-14.8%46.2%36.8%
5 Year-72.5%-72.5%20.9%6.0%85.3%65.1%

Price Volatility Vs. Market

How volatile is OptimumBank Holdings's share price compared to the market and industry in the last 5 years?


Simply Wall St News

Valuation

Is OptimumBank Holdings undervalued compared to its fair value and its price relative to the market?

0.76x

Price to Book (PB) ratio


Share Price vs. Fair Value

Below Fair Value: Insufficient data to calculate OPHC's fair value to establish if it is undervalued.

Significantly Below Fair Value: Insufficient data to calculate OPHC's fair value to establish if it is undervalued.


Price To Earnings Ratio

PE vs Industry: OPHC is unprofitable, so we can't compare its PE Ratio to the US Banks industry average.

PE vs Market: OPHC is unprofitable, so we can't compare its PE Ratio to the US market.


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate OPHC's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: OPHC's PB Ratio (0.8x) is in line with the US Banks industry average.


Next Steps

Future Growth

How is OptimumBank Holdings forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

27.0%

Forecasted Banks industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as OptimumBank Holdings has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Next Steps

Past Performance

How has OptimumBank Holdings performed over the past 5 years?

-15.3%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: OPHC is currently unprofitable.

Growing Profit Margin: OPHC is currently unprofitable.


Past Earnings Growth Analysis

Earnings Trend: OPHC is unprofitable, and losses have increased over the past 5 years at a rate of 15.3% per year.

Accelerating Growth: Unable to compare OPHC's earnings growth over the past year to its 5-year average as it is currently unprofitable

Earnings vs Industry: OPHC is unprofitable, making it difficult to compare its past year earnings growth to the Banks industry (-2.9%).


Return on Equity

High ROE: OPHC has a negative Return on Equity (-12.18%), as it is currently unprofitable.


Next Steps

Financial Health

How is OptimumBank Holdings's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Asset Level: OPHC's Assets to Equity ratio (18.7x) is moderate.

Allowance for Bad Loans: OPHC has a sufficient allowance for bad loans (271%).

Low Risk Liabilities: 81% of OPHC's liabilities are made up of primarily low risk sources of funding.

Loan Level: OPHC has an appropriate level of Loans to Assets ratio (75%).

Low Risk Deposits: OPHC's Loans to Deposits ratio (98%) is appropriate.

Level of Bad Loans: OPHC has an appropriate level of bad loans (0.7%).


Next Steps

Dividend

What is OptimumBank Holdings's current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

Notable Dividend: Unable to evaluate OPHC's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate OPHC's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.


Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if OPHC's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if OPHC's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of OPHC's dividend in 3 years as they are not forecast to pay a notable one for the US market.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

2.9yrs

Average board tenure


CEO

Tim Terry (64 yo)

4.17yrs

Tenure

US$233,400

Compensation

Mr. Timothy L. Terry, also known as Tim, has been Chief Executive Officer and President of Optimumbank, a subsidiary of OptimumBank Holdings Inc. since February 12, 2013 and has been its Chief Operating Of ...


CEO Compensation Analysis

Compensation vs Market: Tim's total compensation ($USD233.40K) is below average for companies of similar size in the US market ($USD589.02K).

Compensation vs Earnings: Tim's compensation has been consistent with company performance over the past year.


Board Members

NamePositionTenureCompensationOwnership
Joel Klein
Interim Principal Financial Officer & Director8.5yrsUS$14.20k1.06%
$ 88.6k
Thomas Procelli
Independent Director3.08yrsUS$14.50k0.12%
$ 10.2k
Heng Fai Chan
Independent Director2.17yrsUS$12.10k0.39%
$ 32.4k
Moishe Gubin
Independent Chairman of the Boardno dataUS$220.08k9.6%
$ 799.2k
Jeffry Wagner
Independent Director1.75yrsUS$13.30kno data
Martin Schmidt
Independent Director5yrsUS$15.30k0.034%
$ 2.8k
Avi Zwelling
Independent Director2.67yrsUS$12.20k1.05%
$ 87.8k

2.9yrs

Average Tenure

66yo

Average Age

Experienced Board: OPHC's board of directors are not considered experienced ( 2.9 years average tenure), which suggests a new board.


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Recent Insider Transactions

Ownership Breakdown

Dilution of Shares: Shareholders have been substantially diluted in the past year, with total shares outstanding growing by 53.1%.


Top Shareholders

Company Information

OptimumBank Holdings, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: OptimumBank Holdings, Inc.
  • Ticker: OPHC
  • Exchange: NasdaqCM
  • Founded: 2000
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$8.323m
  • Shares outstanding: 2.95m
  • Website: https://www.optimumbank.com

Number of Employees


Location

  • OptimumBank Holdings, Inc.
  • 2929 East Commercial Boulevard
  • Suite 303
  • Fort Lauderdale
  • Florida
  • 33308
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
OPHCNasdaqCM (Nasdaq Capital Market)YesCommon StockUSUSDMay 2003

Biography

OptimumBank Holdings, Inc. operates as the bank holding company for OptimumBank that provides a range of consumer and commercial banking services to individuals and businesses. The company accepts demand i ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/08/14 11:42
End of Day Share Price2020/08/13 00:00
Earnings2020/06/30
Annual Earnings2019/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.