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OPHC

OptimumBank Holdings NasdaqCM:OPHC Stock Report

Last Price

US$4.30

Market Cap

US$25.9m

7D

3.1%

1Y

-16.0%

Updated

17 Aug, 2022

Data

Company Financials
OPHC fundamental analysis
Snowflake Score
Valuation2/6
Future Growth0/6
Past Performance5/6
Financial Health4/6
Dividends0/6

OPHC Stock Overview

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

OptimumBank Holdings Competitors

Price History & Performance

Summary of all time highs, changes and price drops for OptimumBank Holdings
Historical stock prices
Current Share PriceUS$4.30
52 Week HighUS$6.24
52 Week LowUS$3.33
Beta0.87
1 Month Change9.21%
3 Month Change8.81%
1 Year Change-16.02%
3 Year Change66.02%
5 Year Change63.50%
Change since IPO-99.59%

Recent News & Updates

Aug 12
Should You Be Adding OptimumBank Holdings (NASDAQ:OPHC) To Your Watchlist Today?

Should 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...

Aug 09

OptimumBank reports Q2 results

OptimumBank 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.

Shareholder Returns

OPHCUS BanksUS Market
7D3.1%3.2%1.1%
1Y-16.0%-8.2%-9.0%

Return vs Industry: OPHC underperformed the US Banks industry which returned -8.3% over the past year.

Return vs Market: OPHC underperformed the US Market which returned -8.9% over the past year.

Price Volatility

Is OPHC's price volatile compared to industry and market?
OPHC volatility
OPHC Average Weekly Movement8.2%
Banks Industry Average Movement3.6%
Market Average Movement7.6%
10% most volatile stocks in US Market17.0%
10% least volatile stocks in US Market3.1%

Stable Share Price: OPHC is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 8% a week.

Volatility Over Time: OPHC's weekly volatility (8%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
200038Tim Terryhttps://www.optimumbank.com

OptimumBank Holdings, Inc. operates as the bank holding company for OptimumBank that provides various consumer and commercial banking services to individuals and businesses. It accepts demand interest-bearing and noninterest-bearing, savings, money market, NOW, and time deposit accounts, as well as certificates of deposit; and offers residential and commercial real estate, multi-family real estate, commercial, land and construction, and consumer loans, as well as lending lines for working capital needs. The company also provides debit and ATM cards; investment, cash management, notary, and night depository services; and direct deposits, money orders, cashier’s checks, domestic collections, and banking by mail, as well as internet banking services.

OptimumBank Holdings Fundamentals Summary

How do OptimumBank Holdings's earnings and revenue compare to its market cap?
OPHC fundamental statistics
Market CapUS$25.92m
Earnings (TTM)US$7.30m
Revenue (TTM)US$13.17m

3.5x

P/E Ratio

0.5x

P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
OPHC income statement (TTM)
RevenueUS$13.17m
Cost of RevenueUS$0
Gross ProfitUS$13.17m
Other ExpensesUS$5.87m
EarningsUS$7.30m

Last Reported Earnings

Jun 30, 2022

Next Earnings Date

n/a

Earnings per share (EPS)1.21
Gross Margin100.00%
Net Profit Margin55.46%
Debt/Equity Ratio152.0%

How did OPHC perform over the long term?

See historical performance and comparison
We’ve recently updated our valuation analysis.

Valuation

Is OPHC undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

2/6

Valuation Score 2/6

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Below Fair Value

  • Significantly Below Fair Value

  • Analyst Forecast

Key Valuation Metric

Which metric is best to use when looking at relative valuation for OPHC?

Other financial metrics that can be useful for relative valuation.

OPHC key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenuen/a
Enterprise Value/EBITDAn/a
PEG Ration/a

Price to Earnings Ratio vs Peers

How does OPHC's PE Ratio compare to its peers?

OPHC PE Ratio vs Peers
The above table shows the PE ratio for OPHC vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyPEEstimated GrowthMarket Cap
Peer Average10.4x
PWBO Pacific West Bank
20.5xn/aUS$32.1m
SLRK Solera National Bancorp
3.2xn/aUS$46.1m
SVVB Savi Financial Corporation
11.7xn/aUS$34.4m
CFOK Community First Bancorporation
6.2xn/aUS$41.4m
OPHC OptimumBank Holdings
3.5xn/aUS$25.9m

Price-To-Earnings vs Peers: OPHC is good value based on its Price-To-Earnings Ratio (3.5x) compared to the peer average (10.4x).


Price to Earnings Ratio vs Industry

How does OPHC's PE Ratio compare vs other companies in the US Banks Industry?

Price-To-Earnings vs Industry: OPHC is good value based on its Price-To-Earnings Ratio (3.5x) compared to the US Banks industry average (10.2x)


Price to Earnings Ratio vs Fair Ratio

What is OPHC's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

OPHC PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio3.5x
Fair PE Ration/a

Price-To-Earnings vs Fair Ratio: Insufficient data to calculate OPHC's Price-To-Earnings Fair Ratio for valuation analysis.


Share Price vs Fair Value

What is the Fair Price of OPHC when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: Insufficient data to calculate OPHC's fair value for valuation analysis.

Significantly Below Fair Value: Insufficient data to calculate OPHC's fair value for valuation analysis.


Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Analyst Forecast: Insufficient data to show price forecast.


Discover undervalued companies

Future Growth

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

Future Growth Score

0/6

Future Growth Score 0/6

  • Earnings vs Savings Rate

  • Earnings vs Market

  • High Growth Earnings

  • Revenue vs Market

  • High Growth Revenue

  • Future ROE


10.5%

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.


Discover growth companies

Past Performance

How has OptimumBank Holdings performed over the past 5 years?

Past Performance Score

5/6

Past Performance Score 5/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


54.6%

Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: OPHC has high quality earnings.

Growing Profit Margin: OPHC's current net profit margins (55.5%) are higher than last year (10.1%).


Past Earnings Growth Analysis

Earnings Trend: OPHC has become profitable over the past 5 years, growing earnings by 54.6% per year.

Accelerating Growth: OPHC's earnings growth over the past year (998.3%) exceeds its 5-year average (54.6% per year).

Earnings vs Industry: OPHC earnings growth over the past year (998.3%) exceeded the Banks industry 9.2%.


Return on Equity

High ROE: OPHC's Return on Equity (15.2%) is considered low.


Discover strong past performing companies

Financial Health

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

Financial Health Score

4/6

Financial Health Score 4/6

  • Asset Level

  • Allowance for Bad Loans

  • Low Risk Liabilities

  • Loan Level

  • Low Risk Deposits

  • Level of Bad Loans

Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Asset Level: OPHC's Assets to Equity ratio (9.7x) is low.

Allowance for Bad Loans: Insufficient data to determine if OPHC has a sufficient allowance for bad loans.

Low Risk Liabilities: 82% 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 (102%) is appropriate.

Level of Bad Loans: Insufficient data to determine if OPHC has an appropriate level of bad loans.


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Dividend

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

Dividend Score

0/6

Dividend Score 0/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • Future Dividend Coverage

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

Earnings 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.


Discover strong dividend paying companies

Management

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

6.0yrs

Average board tenure


CEO

Tim Terry (66 yo)

6.17yrs

Tenure

US$270,000

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 O...


CEO Compensation Analysis

Compensation vs Market: Tim's total compensation ($USD270.00K) is below average for companies of similar size in the US market ($USD753.27K).

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


Board Members

Experienced Board: OPHC's board of directors are considered experienced (6 years average tenure).


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.


Ownership Breakdown

Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 37.8%.


Top Shareholders

Company Information

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


Key Information

  • Name: OptimumBank Holdings, Inc.
  • Ticker: OPHC
  • Exchange: NasdaqCM
  • Founded: 2000
  • Industry: Regional Banks
  • Sector: Banks
  • Implied Market Cap: US$25.917m
  • Shares outstanding: 6.03m
  • 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


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/08/17 00:00
End of Day Share Price2022/08/17 00:00
Earnings2022/06/30
Annual Earnings2021/12/31


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.