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
|Historical stock prices|
|Current Share Price||US$4.30|
|52 Week High||US$6.24|
|52 Week Low||US$3.33|
|1 Month Change||9.21%|
|3 Month Change||8.81%|
|1 Year Change||-16.02%|
|3 Year Change||66.02%|
|5 Year Change||63.50%|
|Change since IPO||-99.59%|
Recent News & Updates
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...
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.
|OPHC||US Banks||US Market|
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.
|OPHC Average Weekly Movement||8.2%|
|Banks Industry Average Movement||3.6%|
|Market Average Movement||7.6%|
|10% most volatile stocks in US Market||17.0%|
|10% least volatile stocks in US Market||3.1%|
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
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
|OPHC fundamental statistics|
Is OPHC overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|OPHC income statement (TTM)|
|Cost of Revenue||US$0|
Last Reported Earnings
Jun 30, 2022
Next Earnings Date
|Earnings per share (EPS)||1.21|
|Net Profit Margin||55.46%|
How did OPHC perform over the long term?See historical performance and comparison
Is OPHC undervalued compared to its fair value, analyst forecasts and its price relative to the market?
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
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.
|What is OPHC's n/a Ratio?|
Price to Earnings Ratio vs Peers
How does OPHC's PE Ratio compare to its peers?
|OPHC PE Ratio vs Peers|
|Company||PE||Estimated Growth||Market Cap|
PWBO Pacific West Bank
SLRK Solera National Bancorp
SVVB Savi Financial Corporation
CFOK Community First Bancorporation
OPHC OptimumBank Holdings
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.
|Current PE Ratio||3.5x|
|Fair PE Ratio||n/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.
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How is OptimumBank Holdings forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Future Growth Score0/6
Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
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.
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- Check out OptimumBank Holdings's track record over time to understand how much the company has returned to shareholders and its earnings growth rate in the past.
How has OptimumBank Holdings performed over the past 5 years?
Past Performance Score5/6
Past Performance Score 5/6
Growing Profit Margin
Earnings vs Industry
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.
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How is OptimumBank Holdings's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score4/6
Financial Health Score 4/6
Allowance for Bad Loans
Low Risk Liabilities
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
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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What is OptimumBank Holdings's current dividend yield, its reliability and sustainability?
Dividend Score 0/6
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.
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How experienced are the management team and are they aligned to shareholders interests?
Average board tenure
Tim Terry (66 yo)
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.
Experienced Board: OPHC's board of directors are considered experienced (6 years average tenure).
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.
Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 37.8%.
OptimumBank Holdings, Inc.'s employee growth, exchange listings and data sources
- 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
- OptimumBank Holdings, Inc.
- 2929 East Commercial Boulevard
- Suite 303
- Fort Lauderdale
- United States
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/08/17 00:00|
|End of Day Share Price||2022/08/17 00:00|
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.