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.
| Snowflake Score | |
|---|---|
| Valuation | 3/6 |
| Future Growth | 0/6 |
| Past Performance | 5/6 |
| Financial Health | 6/6 |
| Dividends | 0/6 |
OptimumBank Holdings, Inc. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$4.18 |
| 52 Week High | US$4.92 |
| 52 Week Low | US$2.77 |
| Beta | 0.31 |
| 1 Month Change | 1.70% |
| 3 Month Change | -9.92% |
| 1 Year Change | 24.40% |
| 3 Year Change | 17.41% |
| 5 Year Change | 10.87% |
| Change since IPO | -99.60% |
Recent News & Updates
Recent updates
Does OptimumBank Holdings (NASDAQ:OPHC) Deserve A Spot On Your Watchlist?
Dec 19
Should You Be Adding OptimumBank Holdings (NASDAQ:OPHC) To Your Watchlist Today?
Aug 12OptimumBank reports Q2 results
Aug 09OptimumBank expects $1.3M fee income from PPP loans
May 26OptimumBank Holdings, Inc.'s (NASDAQ:OPHC) CEO Compensation Looks Acceptable To Us And Here's Why
May 19A Quick Analysis On OptimumBank Holdings' (NASDAQ:OPHC) CEO Compensation
Dec 29Shareholder Returns
| OPHC | US Banks | US Market | |
|---|---|---|---|
| 7D | 2.7% | -4.1% | -3.7% |
| 1Y | 24.4% | 19.9% | 20.5% |
Return vs Industry: OPHC exceeded the US Banks industry which returned 19.2% over the past year.
Return vs Market: OPHC exceeded the US Market which returned 20.2% over the past year.
Price Volatility
| OPHC volatility | |
|---|---|
| OPHC Average Weekly Movement | 5.5% |
| Banks Industry Average Movement | 4.5% |
| Market Average Movement | 6.0% |
| 10% most volatile stocks in US Market | 16.4% |
| 10% least volatile stocks in US Market | 3.0% |
Stable Share Price: OPHC has not had significant price volatility in the past 3 months.
Volatility Over Time: OPHC's weekly volatility (5%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 2000 | 60 | Tim Terry | 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, and NOW accounts, as well as time deposits, wire transfers, ACH services, and certificates of deposit. The company also offers residential and commercial real estate, multi-family real estate, land and construction loans; commercial loans are generally used for working capital purposes or for acquiring equipment, inventory, and furniture; and consumer loans for various purposes, including purchases of automobiles, recreational vehicles, boats, home improvements, lines of credit, personal, and deposit account collateralized loans.
OptimumBank Holdings, Inc. Fundamentals Summary
| OPHC fundamental statistics | |
|---|---|
| Market cap | US$37.61m |
| Earnings (TTM) | US$6.28m |
| Revenue (TTM) | US$23.12m |
6.2x
P/E Ratio0.6x
P/B RatioIs OPHC overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| OPHC income statement (TTM) | |
|---|---|
| Revenue | US$23.12m |
| Cost of Revenue | US$0 |
| Gross Profit | US$23.12m |
| Other Expenses | US$16.84m |
| Earnings | US$6.28m |
Last Reported Earnings
Dec 31, 2023
Next Earnings Date
n/a
| Earnings per share (EPS) | 0.67 |
| Gross Margin | 100.00% |
| Net Profit Margin | 27.18% |
| Debt/Equity Ratio | 108.0% |
How did OPHC perform over the long term?
See historical performance and comparison