Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
OPHC
Strong BuyFull HouseOptimumBank Holdings, Inc. · Financial Services · United States · $113M · Avg Vol: $2M/d
95
StockRankGet insider-trade alerts
Q
70
V
52
M
77
P/E (TTM)
10.3x
ROE
16.7%
D/E
0.4x
Dividend %
—
COMPANY DESCRIPTION
OptimumBank Holdings, Inc. operates as the bank holding company for OptimumBank, which provides various consumer and commercial banking services to individuals and businesses.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 18.8M | 27.2M | 39.3M | 49.4M | 38.0% | 56.9M | — | — | — |
| EPS | 0.68 | 0.87 | 1.39 | 1.42 | 27.8% | 0.87 | 1.23 | 1.35 | -2.5% |
| Shares | 7.1M | 7.3M | 11.6M | 11.5M | +63.4% | 12.6M | — | — | — |
| Debt | 12.2M | 64.2M | 52.8M | 52.7M | 63.0% | 41.5M | — | — | — |
| Equity | 62.6M | 70.0M | 103.2M | 121.9M | 24.9% | — | — | — | — |
| Op CF | 10.4M | 6.9M | 15.6M | 17.8M | 19.9% | 26.7M | — | — | — |
| Inv CF | -229.8M | -199.7M | -125.5M | -156.7M | — | — | — | — | — |
| Fin CF | 232.3M | 197.6M | 126.8M | 159.8M | — | — | — | — | — |
Loading 1Y...
PRICE (1Y)+25.4%
SMA 50SMA 200
Close
$9.02
RSI (14)
29.5
52W High
$10.68
From 52W High
0.8%
SCORE BREAKDOWN
Quality
70
ROIC (ROA)
1.7%*52.7
ROE
16.7%78.7
GP/Assets
5.1%N/A
Op. Margin
52.5%72.7
FCF/Assets
1.9%N/A
Piotroski
797.1
Int. Cover
—50.0
D/E Ratio
0.43xN/A
Current Ratio
bankN/A
Value
52
P/E (TTM)
10.3x67.4
EV/EBITDA
bankN/A
P/FCF
5.3xN/A
P/B
1.6x34.7
P/S
2.0x76.3
Div Yield
—N/A
Momentum
77
52W High %
84%33.2
RS 6M
61%98.0
SMA 50/200
1.36x98.9
EPS Rev 4W
+20.5%98.3
EPS Rev 12W
—N/A
EPS Improve
+55%75.3
Q Growth
85%82.4
FUNDAMENTALS
Market Cap
$113M
P/E (Forward)
6.7x
Gross Margin
—
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of OPHC are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| OPHC | OptimumBank Holdings, Inc.(you) | $113M | 95 | Strong Buy |
| BOTJ | Bank of the James Financial Group, Inc. | $123M | 88 | Strong Buy |
| CIZN | Citizens Holding Company | $60M | 93 | Strong Buy |
| BKSC | Bank of South Carolina Corporation | $101M | 79 | Buy |
| MGYR | Magyar Bancorp, Inc. | $126M | 78 | Buy |
| VABK | Virginia National Bankshares Corporation | $251M | 92 | Strong Buy |
| SBFG | SB Financial Group, Inc. | $173M | 83 | Strong Buy |
| LARK | Landmark Bancorp, Inc. | $193M | 85 | Strong Buy |
| ASRV | AmeriServ Financial, Inc. | $82M | 79 | Buy |
| FUSB | First US Bancshares, Inc. | $90M | 76 | Buy |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%