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OptimumBank Holdings

Nasdaq:OPHC
Snowflake Description

Excellent balance sheet and overvalued.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
OPHC
Nasdaq
$4M
Market Cap
  1. Home
  2. US
  3. Banks
Company description

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 last earnings update was 4 days ago. More info.


Add to Portfolio Compare Print
  • OptimumBank Holdings has significant price volatility in the past 3 months.
OPHC Share Price and Events
7 Day Returns
-29.3%
NasdaqCM:OPHC
-2.6%
US Banks
-1%
US Market
1 Year Returns
-60.4%
NasdaqCM:OPHC
-14.2%
US Banks
-0.4%
US Market
OPHC Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
OptimumBank Holdings (OPHC) -29.3% -34% -40.3% -60.4% -51.4% -83.1%
US Banks -2.6% -5.5% -3.5% -14.2% 32.4% 36.7%
US Market -1% -3.3% 0.4% -0.4% 30.4% 37.1%
1 Year Return vs Industry and Market
  • OPHC underperformed the Banks industry which returned -14.2% over the past year.
  • OPHC underperformed the Market in United States of America which returned -0.4% over the past year.
Price Volatility
OPHC
Industry
5yr Volatility vs Market

Value

 Is OptimumBank Holdings undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
  • It is not possible to calculate the future cash flow value for OptimumBank Holdings. This is due to cash flow or dividend data being unavailable. The share price is $2.12.
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for OptimumBank Holdings's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are OptimumBank Holdings's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
NasdaqCM:OPHC PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2019-06-30) in USD $-0.79
NasdaqCM:OPHC Share Price ** NasdaqCM (2019-08-16) in USD $2.12
United States of America Banks Industry PE Ratio Median Figure of 597 Publicly-Listed Banks Companies 12.29x
United States of America Market PE Ratio Median Figure of 3,095 Publicly-Listed Companies 17.23x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of OptimumBank Holdings.

NasdaqCM:OPHC PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= NasdaqCM:OPHC Share Price ÷ EPS (both in USD)

= 2.12 ÷ -0.79

-2.69x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • OptimumBank Holdings is loss making, we can't compare its value to the US Banks industry average.
  • OptimumBank Holdings is loss making, we can't compare the value of its earnings to the United States of America market.
Price based on expected Growth
Does OptimumBank Holdings's expected growth come at a high price?
Raw Data
NasdaqCM:OPHC PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section -2.69x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 0 Analysts
Not available
United States of America Banks Industry PEG Ratio Median Figure of 274 Publicly-Listed Banks Companies 1.12x
United States of America Market PEG Ratio Median Figure of 2,124 Publicly-Listed Companies 1.4x

*Line of best fit is calculated by linear regression .

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to calculate PEG ratio for OptimumBank Holdings, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on OptimumBank Holdings's assets?
Raw Data
NasdaqCM:OPHC PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2019-06-30) in USD $2.62
NasdaqCM:OPHC Share Price * NasdaqCM (2019-08-16) in USD $2.12
United States of America Banks Industry PB Ratio Median Figure of 600 Publicly-Listed Banks Companies 1.16x
United States of America Market PB Ratio Median Figure of 5,265 Publicly-Listed Companies 1.7x
NasdaqCM:OPHC PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= NasdaqCM:OPHC Share Price ÷ Book Value per Share (both in USD)

= 2.12 ÷ 2.62

0.81x

* Primary Listing of OptimumBank Holdings.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • OptimumBank Holdings is good value based on assets compared to the US Banks industry average.
X
Value checks
We assess OptimumBank Holdings's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Banks industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Banks industry average (and greater than 0)? (1 check)
  5. OptimumBank Holdings has a total score of 1/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

Future Performance

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

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 Simply Wall St do have past financial data. You can see them here.

Show me the analysis anyway

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
1.5%
Expected Banks industry annual growth in earnings.
Earnings growth vs Low Risk Savings
Is OptimumBank Holdings expected to grow at an attractive rate?
  • Unable to compare OptimumBank Holdings's earnings growth to the low risk savings rate as no estimate data is available.
Growth vs Market Checks
  • Unable to compare OptimumBank Holdings's earnings growth to the United States of America market average as no estimate data is available.
  • Unable to compare OptimumBank Holdings's revenue growth to the United States of America market average as no estimate data is available.
Annual Growth Rates Comparison
Raw Data
NasdaqCM:OPHC Future Growth Rates Data Sources
Data Point Source Value (per year)
United States of America Banks Industry Earnings Growth Rate Market Cap Weighted Average 1.5%
United States of America Banks Industry Revenue Growth Rate Market Cap Weighted Average 3.3%
United States of America Market Earnings Growth Rate Market Cap Weighted Average 14%
United States of America Market Revenue Growth Rate Market Cap Weighted Average 7.5%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
NasdaqCM:OPHC Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (1 month ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
All numbers in USD Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
NasdaqCM:OPHC Past Financials Data
Date (Data in USD Millions) Revenue Cash Flow Net Income *
2019-06-30 3 -1 -1
2019-03-31 5 0 1
2018-12-31 5 0 1
2018-09-30 5 0 1
2018-06-30 6 0 1
2018-03-31 3 0 -1
2017-12-31 4 1 -1
2017-09-30 3 1 -1
2017-06-30 3 1 -1
2017-03-31 4 1 0
2016-12-31 4 1 0
2016-09-30 4 0 0

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Unable to determine if OptimumBank Holdings is high growth as no earnings estimate data is available.
  • Unable to determine if OptimumBank Holdings is high growth as no revenue estimate data is available.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
NasdaqCM:OPHC Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (1 month ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below

All data from OptimumBank Holdings Company Filings, last reported 1 month ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NasdaqCM:OPHC Past Financials Data
Date (Data in USD Millions) EPS *
2019-06-30 -0.79
2019-03-31 0.56
2018-12-31 0.53
2018-09-30 1.02
2018-06-30 1.24
2018-03-31 -0.53
2017-12-31 -0.53
2017-09-30 -0.54
2017-06-30 -0.47
2017-03-31 -0.37
2016-12-31 -0.38
2016-09-30 -0.34

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Unable to establish if OptimumBank Holdings will efficiently use shareholders’ funds in the future without estimates of Return on Equity.

Next steps:

  1. Examine OptimumBank Holdings's financial health to determine how well-positioned it is against times of financial stress by looking at its level of debt over time and how much cash it has left.
  2. OptimumBank Holdings's future outlook can be gauged by looking at industry trends and market size, and determining how well-positioned the company is compared to its competitors. Take a look at other high-growth Banks companies here
  3. OptimumBank Holdings's competitive advantages and company strategy can generally be found in its financial reports archived here.
  4. Use fundamentals to screen for another stock to analyse from our database of over 75,000 companies worldwide
X
Future performance checks
We assess OptimumBank Holdings's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United States of America market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United States of America market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
OptimumBank Holdings has a total score of 0/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

Past Performance

  How has OptimumBank Holdings performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare OptimumBank Holdings's growth in the last year to its industry (Banks).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • OptimumBank Holdings does not make a profit even though their year on year earnings growth rate was positive over the past 5 years.
  • Unable to compare OptimumBank Holdings's 1-year earnings growth to the 5-year average as it is not currently profitable.
  • Unable to compare OptimumBank Holdings's 1-year growth to the US Banks industry average as it is not currently profitable.
Earnings and Revenue History
OptimumBank Holdings's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from OptimumBank Holdings Company Filings, last reported 1 month ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NasdaqCM:OPHC Past Revenue, Cash Flow and Net Income Data
Date (Data in USD Millions) Revenue Net Income * G+A Expenses R&D Expenses
2019-06-30 2.85 -1.40 3.65
2019-03-31 4.90 0.94 3.55
2018-12-31 4.88 0.80 3.40
2018-09-30 5.43 1.34 3.44
2018-06-30 5.50 1.48 3.34
2018-03-31 3.42 -0.59 3.32
2017-12-31 3.57 -0.59 3.48
2017-09-30 3.24 -0.60 3.29
2017-06-30 3.34 -0.52 3.31
2017-03-31 3.50 -0.40 3.37
2016-12-31 3.54 -0.40 3.37
2016-09-30 3.92 -0.34 3.43
2016-06-30 4.03 -0.32 3.50
2016-03-31 4.07 -0.26 3.47
2015-12-31 4.06 -0.16 3.39
2015-09-30 4.32 -0.12 3.50
2015-06-30 3.79 -0.24 3.57
2015-03-31 4.90 1.09 3.69
2014-12-31 5.05 1.61 3.78
2014-09-30 4.89 -0.74 3.90
2014-06-30 5.18 -0.99 3.95
2014-03-31 2.85 -4.59 4.22
2013-12-31 0.95 -7.08 4.28
2013-09-30 -0.88 -7.06 4.24
2013-06-30 -1.36 -7.76 4.23
2013-03-31 -0.62 -6.27 3.98
2012-12-31 0.78 -4.70 3.93
2012-09-30 3.04 -2.43 3.84

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • It is difficult to establish if OptimumBank Holdings has efficiently used shareholders’ funds last year (Return on Equity greater than 20%) as it is loss-making.
  • It is difficult to establish if OptimumBank Holdings has efficiently used its assets last year compared to the US Banks industry average (Return on Assets) as it is loss-making.
  • It is difficult to establish if OptimumBank Holdings improved its use of capital last year versus 3 years ago (Return on Capital Employed) as it is currently loss-making.
X
Past performance checks
We assess OptimumBank Holdings's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Banks industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
OptimumBank Holdings has a total score of 0/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

Health

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

This company is a bank or financial institution.

Fundamentally a bank's business is based upon borrowing and lending money, for this reason they typically have high levels of debt and we analyse them differently.
Net Worth
Balance sheet
This treemap shows a more detailed breakdown of OptimumBank Holdings's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from OptimumBank Holdings Company Filings, last reported 1 month ago.

NasdaqCM:OPHC Past Debt and Equity Data
Date (Data in USD Millions) Total Equity Total Debt Cash & Short Term Investments
2019-06-30 5.04 18.16 12.32
2019-03-31 5.17 18.16 13.56
2018-12-31 5.31 30.32 7.98
2018-09-30 5.80 31.71 6.05
2018-06-30 5.08 31.71 4.33
2018-03-31 2.87 28.92 4.14
2017-12-31 2.55 25.66 11.67
2017-09-30 2.63 25.66 18.51
2017-06-30 2.67 25.66 19.74
2017-03-31 2.81 25.66 17.78
2016-12-31 3.08 28.66 17.64
2016-09-30 3.32 25.66 11.44
2016-06-30 3.66 25.66 13.66
2016-03-31 3.06 28.91 11.89
2015-12-31 2.97 25.16 10.37
2015-09-30 3.18 21.16 8.28
2015-06-30 2.96 27.90 15.06
2015-03-31 3.13 31.90 12.79
2014-12-31 2.98 27.90 12.07
2014-09-30 3.07 27.90 8.77
2014-06-30 1.98 27.90 13.43
2014-03-31 0.45 27.90 11.58
2013-12-31 -0.22 27.90 13.88
2013-09-30 2.14 25.36 9.19
2013-06-30 2.40 32.86 17.67
2013-03-31 4.73 32.86 15.94
2012-12-31 6.91 32.86 23.61
2012-09-30 8.87 32.86 27.37
BANK ANALYSIS

This company is a bank or financial institution, which is analysed accordingly below.

Below we check the amount of loans the bank has, how many of those are bad, and its ability to cover any bad loans.
  • OptimumBank Holdings has an acceptable proportion of non-loan assets held.
  • OptimumBank Holdings's liabilities are made up of primarily low risk sources of funding.
  • Loans at OptimumBank Holdings are broadly funded by customer deposits.
  • OptimumBank Holdings's level of assets compared to its equity is very high (i.e. bank has borrowed heavily to fund lending).
  • OptimumBank Holdings has a sufficient allowance for bad loans.
  • OptimumBank Holdings has an acceptable level of bad loans (less than 2%).
X
Financial health checks
We assess OptimumBank Holdings's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. OptimumBank Holdings has a total score of 5/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

Dividends

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

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
0%
Current annual income from OptimumBank Holdings dividends.
If you bought $2,000 of OptimumBank Holdings shares you are expected to receive $0 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Unable to evaluate OptimumBank Holdings's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
  • Unable to evaluate OptimumBank Holdings's dividend against the top 25% market benchmark as the company has not reported any payouts.
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
NasdaqCM:OPHC Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
United States of America Banks Industry Average Dividend Yield Market Cap Weighted Average of 480 Stocks 3.3%
United States of America Market Average Dividend Yield Market Cap Weighted Average of 2009 Stocks 2.5%
United States of America Minimum Threshold Dividend Yield 10th Percentile 0.8%
United States of America Bottom 25% Dividend Yield 25th Percentile 1.5%
United States of America Top 25% Dividend Yield 75th Percentile 3.8%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to perform a dividend volatility check as OptimumBank Holdings has not reported any payouts.
  • Unable to verify if OptimumBank Holdings's dividend has been increasing as the company has not reported any payouts.
Current Payout to shareholders
What portion of OptimumBank Holdings's earnings are paid to the shareholders as a dividend.
  • Unable to calculate sustainability of dividends as OptimumBank Holdings has not reported any payouts.
Future Payout to shareholders
  • Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
X
Income/ dividend checks
We assess OptimumBank Holdings's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 0.8%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can OptimumBank Holdings afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. OptimumBank Holdings has a total score of 0/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

Management

 What is the CEO of OptimumBank Holdings's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Tim Terry
COMPENSATION $233,400
AGE 63
TENURE AS CEO 3.2 years
CEO Bio

Mr. Timothy L. Terry 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 Officer since 2018. Mr. Terry has been acting as the Principal Executive Officer of OptimumBank Holdings Inc since October 16, 2017. He served as Chief Executive Officer and President of Putnam State Bank since September 2011. He served as President and Chief Executive Officer of North Palm Beach, Fla.-based Enterprise BanCorp. Inc. unit Enterprise Bank of Florida, the publication reported. Mr. Terry has been in banking for 34 years. He served as Interim President and Chief Executive Officer of Putnam State Bank in Palatka, Florida, from 2011 to 2012. Prior to joining OptimumBank, he served as President & Senior Loan Officer for Enterprise Bank of Florida in North Palm Beach, Florida and held senior lending, branch administration & sales management positions at Palm Beach National Bank & Trust, Flagler National Bank of the Palm Beaches and Comerica Bank. From 2005 to 2011, he served as President and Chief Executive Officer of Enterprise Bank of Florida, after initially serving as Executive Vice President, Senior Loan Officer, Branch Administrator and Sales Manager from 2002. From 1999 to 2002, Mr. Terry served as Executive Vice President and Senior Loan Officer of Palm Beach National Bank and Trust. From 1985 to 1993, Mr. Terry served as Vice President of Flagler National Bank, West Palm Beach, Florida. Prior to that, he served as Assistant Vice President of SNB Bank and Trust in Battle Creek, Michigan. Mr. Terry received his BBA degree in finance from Western Michigan University located in Kalamazoo, Michigan. He is also a graduate of the American Bankers Association Stonier Graduate School of Banking at the University of Delaware.

CEO Compensation
  • Tim's compensation has been consistent with company performance over the past year, both up more than 20%.
  • Tim's remuneration is lower than average for companies of similar size in United States of America.
Management Team

Tim Terry

TITLE
Principal Executive Officer
COMPENSATION
$233K
AGE
63
TENURE
3.2 yrs

David Edgar

TITLE
Principal Financial Officer
COMPENSATION
$165K
AGE
56
TENURE
1.8 yrs

Gene Babchick

TITLE
Director of Business Development

Lesile Legg

TITLE
Vice President of Bank Operations

Frank Nelson

TITLE
Senior Vice President of Lending

Rosa Arias

TITLE
Head Teller

Lisa Corr

TITLE
Assistant Vice President of Lending
Board of Directors Tenure

Average tenure and age of the OptimumBank Holdings board of directors in years:

1.9
Average Tenure
65
Average Age
  • The average tenure for the OptimumBank Holdings board of directors is less than 3 years, this suggests a new board.
Board of Directors

Moishe Gubin

TITLE
Chairman of the Board
COMPENSATION
$222K
AGE
42

Joel Klein

TITLE
Director
COMPENSATION
$15K
AGE
72
TENURE
7.5 yrs

Jeff Wagner

TITLE
Director
AGE
64
TENURE
0.8 yrs

Tom Procelli

TITLE
Director
COMPENSATION
$14K
AGE
65
TENURE
2.1 yrs

Martin Schmidt

TITLE
Director
COMPENSATION
$15K
AGE
71
TENURE
4 yrs

Avi Zwelling

TITLE
Director
COMPENSATION
$11K
AGE
46
TENURE
1.7 yrs

Ambrose Chan

TITLE
Director
COMPENSATION
$3K
AGE
74
TENURE
1.2 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month open market individual insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price ($) Value ($)
X
Management checks
We assess OptimumBank Holdings's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. OptimumBank Holdings has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

News

Simply Wall St News

Does OptimumBank Holdings Inc's (NASDAQ:OPHC) PE Ratio Warrant A Buy?

This analysis is intended to introduce important early concepts to people who are starting to invest. … and want to start learning about core concepts of fundamental analysis on practical examples from today's market. … While OPHC might seem like an attractive stock to buy, it is important to understand the assumptions behind the P/E ratio before you make any investment decisions.

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What Kind Of Risk Should You Expect For OptimumBank Holdings Inc (NASDAQ:OPHC)?

The second risk is market-wide, which arises from investing in the stock market. … A popular measure of market risk for a stock is its beta, and the market as a whole represents a beta value of one. … A stock with a beta greater than one is considered more sensitive to market-wide shocks compared to a stock that trades below the value of one.

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Three Metrics For OptimumBank Holdings Inc (NASDAQ:OPHC) You Should Know

These reforms target banking regulations and intends to enhance financial institutions’ ability to absorb shocks resulting from economic stress which could expose banks like OptimumBank Holdings to vulnerabilities. … Since a bank’s financial standing can quickly decline in the case of an adverse macro event such as political instability, it is important to understand how prudent it is at managing its risk levels. … Low liquidity and high leverage could position OptimumBank Holdings in a dangerous position at the face of macro headwinds.

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Is OptimumBank Holdings Inc's (NASDAQ:OPHC) CEO Paid Enough Relative To Peers?

Over the last year OPHC produced negative earnings of -US$591.00K , which is a further decline from prior year's loss of -US$403.00K. … In the situation of negative earnings, the company may be incurring a period of reinvestment and growth, or it can be a sign of some headwind. … Normally I'd use market cap and profit as factors determining performance, however, OPHC's negative earnings reduces the effectiveness of this method.

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What Kind Of Risk Should You Expect For OptimumBank Holdings Inc (NASDAQ:OPHC)?

OPHC, with its market capitalisation of US$5.80M, is a small-cap stock, which generally have higher beta than similar companies of larger size. … Thus, we can expect OPHC to be more stable in the face of market movements, relative to its peers of similar size but with a higher portion of fixed assets on their books. … However, this is the opposite to what OPHC’s actual beta value suggests, which is higher stock volatility relative to the market.

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OptimumBank Holdings Inc (NASDAQ:OPHC): Should The Recent Earnings Drop Worry You?

Measuring OptimumBank Holdings Inc's (NASDAQ:OPHC) track record of past performance is an insightful exercise for investors. … View our latest analysis for OptimumBank Holdings Commentary On OPHC's Past Performance I prefer to use the ‘latest twelve-month’ data, which either annualizes the most recent 6-month earnings update, or in some cases, the most recent annual report is already the latest available financial data. … NasdaqCM:OPHC Income Statement Mar 23rd 18 We can further analyze OptimumBank Holdings's loss by looking at what the industry has been experiencing over the past few years.

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Should You Be Worried About OptimumBank Holdings Inc’s (NASDAQ:OPHC) Liquidity?

A high level of leverage may subject the bank to higher risk and lowers its ability to pay back its debtors. … Though banks are required to have a certain level of buffer to meet its capital requirements, OptimumBank Holdings leverage level of 41x is significantly below the appropriate ceiling of 20x. … Since OptimumBank Holdings’s loan to deposit ratio of 89.43% is within the sensible margin, below than the appropriate maximum of 90%, this level places the bank in a relatively safe liquidity position given it has not excessively lent out its deposits and has maintained a suitable level for compliance.Next Steps: While the bank has retained appropriate liquidity, its high debt level may impede its capacity to repay the large pool of debtors in times of adverse circumstances.

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Why OptimumBank Holdings Inc (NASDAQ:OPHC) May Not Be As Risky Than You Think

OptimumBank Holdings’s ability to forecast and provision for its bad loans indicates it has a good understanding of the level of risk it is taking on. … By nature, OptimumBank Holdings is exposed to risky assets by lending to borrowers who may not be able to repay their loans. … This indicates a prudent level of the bank's safer form of borrowing and a prudent level of risk.Next Steps: With positive measures for all three ratios, OptimumBank Holdings shows a prudent level of managing its risky assets.

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What Can We Expect for OptimumBank Holdings Inc (NASDAQ:OPHC) Moving Forward?

In this article, I’ll take you through the sector growth expectations, and also determine whether OptimumBank Holdings is a laggard or leader relative to its financial sector peers. … See our latest analysis for OptimumBank Holdings What’s the catalyst for OptimumBank Holdings's sector growth? … Next Steps: OptimumBank Holdings has been a banking industry laggard in the past year.

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How Does OptimumBank Holdings Inc (NASDAQ:OPHC) Affect Your Portfolio Returns?

Based on this beta value, OPHC appears to be a stock that an investor with a high-beta portfolio would look for to reduce risk exposure to the market. … OPHC, with its market capitalisation of $5.70M, is a small-cap stock, which generally have higher beta than similar companies of larger size. … As a result, the company may be less volatile relative to broad market movements, compared to a company of similar size but higher proportion of fixed assets.

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Company Info

Description

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 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. It also provides debit and ATM cards; investment, cash management, and 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. The company operates through three banking offices located in Broward County, Florida. OptimumBank Holdings, Inc. was founded in 2000 and is based in Fort Lauderdale, Florida.

Details
Name: OptimumBank Holdings, Inc.
OPHC
Exchange: NasdaqCM
Founded: 2000
$4,089,005
1,928,776
Website: http://www.optimumbank.com
Address: OptimumBank Holdings, Inc.
2477 East Commercial Boulevard,
Fort Lauderdale,
Florida, 33308,
United States
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
NasdaqCM OPHC Common Stock Nasdaq Capital Market US USD 08. May 2003
Number of employees
Current staff
Staff numbers
19
OptimumBank Holdings employees.
Industry
Regional Banks
Banks
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/08/18 00:04
End of day share price update: 2019/08/16 00:00
Last earnings filing: 2019/08/14
Last earnings reported: 2019/06/30
Last annual earnings reported: 2018/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

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.