AMEX · Banks - Regional

OPHC (OPHC) Stock

$7.05 -1.95% AMEX: OPHC Financial Services

Valuation

MetricValue
Price$7.05
Market Cap$86.49M
P/E Ratio4.04
P/B Ratio0.55
P/S Ratio0.89
EPS (TTM)$1.36
52-Week High$7.05
52-Week Low$3.91
Dividend Yield0.00%

Financials & Margins

MetricValue
ROE13.93%
ROA1.53%
ROCE18.03%
Gross Margin30.99%
Operating Margin30.99%
Net Margin22.91%
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$-126.0M$-158.0M
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 Ratio—
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y31.93%
Return 3Y105.17%
Return 5Y15.98%

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
ASRV $4.92 +2.71% 11.56 $83.46M 3.05%
BAFN $6.17 -2.76% -1.03 $25.34M 1.25%
CLST $17.34 +4.49% 28.41 $70.28M 0.00%
FSEA $16.95 +0.30% -72.52 $79.52M 0.00%
HFBL $23.31 +6.20% 15.48 $71.19M 2.77%

About OPHC

OPHC is led by CEO Timothy L. Terry, publicly traded since 2003.

OPHC stock trades at $7.05 with a market capitalization of $86.49M. The stock is valued at a price-to-earnings (P/E) ratio of 4.04, price-to-book of 0.55, price-to-sales of 0.89. Over the past 52 weeks the stock has ranged between $3.91 and $7.05, and currently trades at its 52-week high.

On profitability, OPHC generates a return on equity (ROE) of 13.93%, above the typical market average, return on capital employed of 18.03%, an operating margin of 30.99%, a net profit margin of 22.91%.

Related Financial Services Stocks

BRK.A Insurance - Diversified $733370.00 +0.00% BRK.B FIRE, MARINE & CASUALTY INSURANCE $482.70 +0.00% JPM Banks - Diversified $357.52 +0.34% V Financial - Credit Services $362.50 -2.15% MA Financial - Credit Services $562.95 -2.26% BAC Banks - Diversified $63.17 +0.27% HSBC Banks - Diversified $102.60 -1.06% MS Financial - Capital Markets $203.19 -3.97% GS Financial - Capital Markets $980.75 -5.09% RY Banks - Diversified $206.45 -2.79% WFC Banks - Diversified $83.87 -3.45% MUFG Banks - Diversified $21.94 -2.18%

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