AMEX · Banks - Regional

OptimumBank Holdings, Inc. (OPHC) Stock

$9.02 -0.77% AMEX: OPHC Financial Services

Valuation

MetricValue
Price$9.02
Market Cap$109.74M
P/E Ratio5.23
P/B Ratio0.80
P/S Ratio1.40
EPS (TTM)$1.36
52-Week High$10.68
52-Week Low$3.91
Dividend Yield0.00%

Financials & Margins

MetricValue
ROE16.39%
ROA1.46%
ROCE1.94%
Gross Margin30.99%
Operating Margin30.99%
Net Margin26.06%
Debt/Equity0.32
Current Ratio0.12

Annual Financials (USD)

Metric20212022202320242025
Revenue$12.0M$23.0M$39.0M$64.0M$71.0M
Operating Profit$3.0M$5.0M$8.0M$18.0M$22.0M
Net Profit$6.0M$4.0M$6.0M$13.0M$17.0M
EPS$1.61$0.68$0.87$1.33$1.36
Op Margin26.0%23.6%21.6%27.4%31.2%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$352.0M$585.0M$791.0M$933.0M$1.1B
Total Liabilities$313.0M$523.0M$721.0M$830.0M$990.0M
Cash$59.0M$72.0M$77.0M$94.0M$115.0M
Borrowings$38.0M$22.0M$126.0M$103.0M$53.0M

Latest News

Here is why OptimumBank Holdings, Inc. (OPHC) is among the Best Growth Stocks to Buy with Low P/E Ratios Insider Monkey · May 31, 2026 OptimumBank Holdings, Inc. Named Among Nation's Top Community Banks in Raymond James Community Bankers Cup TMX Newsfile · May 19, 2026 OptimumBank Holdings, Inc. to Present at Planet MicroCap Las Vegas Powered by MicroCapClub TMX Newsfile · May 18, 2026 OptimumBank Holdings, Inc. Announces Executive Leadership Transition; Chairman Moishe Gubin Appointed CEO TMX Newsfile · May 5, 2026 OptimumBank Holdings, Inc. Reports Best Year in Company History; To Present Shareholder Deck Highlighting 21%+ Core ROAE at April 28, 2026 Annual Meeting GlobeNewswire · Apr 27, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$4.0M$10.0M$7.0M$16.0M$18.0M
Investing Cash Flow$-109.0M$-230.0M$-200.0M$-126.0M$-157.0M
Financing Cash Flow$102.0M$215.0M$132.0M$133.0M$160.0M
Net Cash Flow$4.0M$13.0M$5.0M$17.0M$21.0M
Free Cash Flow$3.0M$10.0M$6.0M$15.0M$17.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.20
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y31.93%
Return 3Y105.17%
Return 5Y15.98%

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
AAPLApple Inc. $340.42 +1.11% 38.93 $5.00T 0.32%
MSFTMicrosoft Corporation $522.61 -1.35% 28.68 $3.88T 0.76%
GOOGLAlphabet Inc. $348.29 -0.63% 16.94 $4.22T 0.26%
AMZNAmazon.com, Inc. $254.06 -2.25% 19.82 $2.73T 0.00%
METAMeta Platforms, Inc. $720.89 -0.06% 27.93 $1.84T 0.28%

About OptimumBank Holdings, Inc.

OptimumBank Holdings, Inc. is led by CEO Timothy L. Terry, publicly traded since 2003.

OptimumBank Holdings, Inc. (OPHC) stock trades at $9.02 with a market capitalization of $109.74M. The stock is valued at a price-to-earnings (P/E) ratio of 5.23, price-to-book of 0.80, price-to-sales of 1.40. Over the past 52 weeks the stock has ranged between $3.91 and $10.68, and currently trades 15.5% below its 52-week high.

On profitability, OptimumBank Holdings, Inc. generates a return on equity (ROE) of 16.39%, above the typical market average, return on capital employed of 1.94%, an operating margin of 30.99%, a net profit margin of 26.06%.

Related Financial Services Stocks

BRK.A Berkshire Hathaway Inc. $733370.00 +0.00% BRK.B Berkshire Hathaway Inc. New $482.70 +0.00% JPM JP Morgan Chase & Co. $331.42 +0.56% V Visa Inc. $375.10 +0.81% MA Mastercard Incorporated $574.76 +0.82% BAC Bank of America Corporation $53.61 +0.17% HSBC HSBC Holdings, plc $92.61 -1.17% MS Morgan Stanley $187.41 -1.21% RY Royal Bank Of Canada $190.56 -0.35% GS Goldman Sachs Group, Inc. (The) $882.59 -0.52% MUFG Mitsubishi UFJ Financial Group, Inc. $22.48 -0.75% WFC Wells Fargo & Company $82.06 +2.24%

Popular Stocks

Apple (AAPL)Microsoft (MSFT)NVIDIA (NVDA)Alphabet (GOOGL)Amazon (AMZN)Meta (META)Tesla (TSLA)Broadcom (AVGO)Eli Lilly (LLY)Exxon Mobil (XOM)

Screens featuring this stock

High ROE Financial Services StocksLow P/E Financial Services StocksHigh Net Margin Financial Services StocksDividend Financial Services StocksLow Debt Financial Services StocksAll stock screens
Run Stock Screener Investing Guides