OPHC Stock Overview
Operates as the bank holding company for OptimumBank that provides various consumer and commercial banking services to individuals and businesses. More details
| Snowflake Score | |
|---|---|
| Valuation | 4/6 |
| Future Growth | 0/6 |
| Past Performance | 5/6 |
| Financial Health | 6/6 |
| Dividends | 0/6 |
My Notes
Capture your thoughts, links and company narrative
OptimumBank Holdings, Inc. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$4.72 |
| 52 Week High | US$5.90 |
| 52 Week Low | US$3.89 |
| Beta | 0.37 |
| 1 Month Change | -7.63% |
| 3 Month Change | 4.65% |
| 1 Year Change | 10.80% |
| 3 Year Change | 10.28% |
| 5 Year Change | 61.64% |
| Change since IPO | -99.55% |
Recent News & Updates
Recent updates
Here's Why OptimumBank Holdings (NASDAQ:OPHC) Has Caught The Eye Of Investors
Nov 09
Does OptimumBank Holdings (NASDAQ:OPHC) Deserve A Spot On Your Watchlist?
Dec 19Should 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 | -0.8% | -1.5% | -2.6% |
| 1Y | 10.8% | 28.9% | 24.5% |
Return vs Industry: OPHC underperformed the US Banks industry which returned 28.9% over the past year.
Return vs Market: OPHC underperformed the US Market which returned 24.5% over the past year.
Price Volatility
| OPHC volatility | |
|---|---|
| OPHC Average Weekly Movement | 4.8% |
| Banks Industry Average Movement | 5.1% |
| Market Average Movement | 6.3% |
| 10% most volatile stocks in US Market | 17.7% |
| 10% least volatile stocks in US Market | 3.1% |
Stable Share Price: OPHC has not had significant price volatility in the past 3 months compared to the US market.
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$48.03m |
| Earnings (TTM) | US$11.72m |
| Revenue (TTM) | US$34.51m |
4.1x
P/E Ratio0.5x
P/B RatioIs OPHC overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| OPHC income statement (TTM) | |
|---|---|
| Revenue | US$34.51m |
| Cost of Revenue | US$0 |
| Gross Profit | US$34.51m |
| Other Expenses | US$22.79m |
| Earnings | US$11.72m |
Last Reported Earnings
Sep 30, 2024
Next Earnings Date
n/a
| Earnings per share (EPS) | 1.16 |
| Gross Margin | 100.00% |
| Net Profit Margin | 33.97% |
| Debt/Equity Ratio | 43.2% |
How did OPHC perform over the long term?
See historical performance and comparisonCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/01/02 03:06 |
| End of Day Share Price | 2025/01/02 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2023/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* example for US securities, for non-US equivalent regulatory forms and sources are used.
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.
Analysis Model and Snowflake
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Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .
Analyst Sources
OptimumBank Holdings, Inc. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
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