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.
+ 1 more risk
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.
7 Day Return
1 Year Return
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.
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
1 year ago | Simply Wall StDoes OptimumBank Holdings Inc's (NASDAQ:OPHC) PE Ratio Warrant A Buy?
2 years ago | Simply Wall StWhat Kind Of Risk Should You Expect For OptimumBank Holdings Inc (NASDAQ:OPHC)?
2 years ago | Simply Wall StThree Metrics For OptimumBank Holdings Inc (NASDAQ:OPHC) You Should Know
Is OptimumBank Holdings undervalued compared to its fair value and its price relative to the market?
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.
How is OptimumBank Holdings forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
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.
How has OptimumBank Holdings performed over the past 5 years?
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.
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
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%).
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.
How experienced are the management team and are they aligned to shareholders interests?
Average board tenure
Tim Terry (64 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 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.
|Interim Principal Financial Officer & Director||8.5yrs||US$14.20k||1.06% |
|Independent Director||3.08yrs||US$14.50k||0.12% |
|Independent Director||2.17yrs||US$12.10k||0.39% |
|Independent Chairman of the Board||no data||US$220.08k||9.6% |
|Independent Director||1.75yrs||US$13.30k||no data|
|Independent Director||5yrs||US$15.30k||0.034% |
|Independent Director||2.67yrs||US$12.20k||1.05% |
Experienced Board: OPHC's board of directors are not considered experienced ( 2.9 years average tenure), which suggests a new board.
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
Dilution of Shares: Shareholders have been substantially diluted in the past year, with total shares outstanding growing by 53.1%.
OptimumBank Holdings, Inc.'s company bio, employee growth, exchange listings and data sources
- 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
- OptimumBank Holdings, Inc.
- 2929 East Commercial Boulevard
- Suite 303
- Fort Lauderdale
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|OPHC||NasdaqCM (Nasdaq Capital Market)||Yes||Common Stock||US||USD||May 2003|
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
|Data||Last Updated (UTC time)|
|Company Analysis||2020/08/14 11:42|
|End of Day Share Price||2020/08/13 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.