OPTIMUMBANK HOLDINGS INC (OPHC) Stock Fundamental Analysis
USA - NYSEARCA:OPHC - US68401P4037 - Common Stock
4.105 USD
-0.02 (-0.61%)
OPHC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 388 industry peers in the Banks industry. Both the profitability and the financial health of OPHC get a neutral evaluation. Nothing too spectacular is happening here. OPHC is valued quite cheap, while showing a decent growth score. This is a good combination!
1. Profitability
1.1 Basic Checks
In the past year OPHC was profitable.
OPHC had a positive operating cash flow in the past year.
Of the past 5 years OPHC 4 years were profitable.
OPHC had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
With an excellent Return On Assets value of 1.47%, OPHC belongs to the best of the industry, outperforming 88.40% of the companies in the same industry.
OPHC has a better Return On Equity (13.22%) than 88.14% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.47% | ||
| ROE | 13.22% | ||
| ROIC | N/A |
ROA(3y)0.96%
ROA(5y)0.87%
ROE(3y)9.37%
ROE(5y)8.02%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
OPHC has a Profit Margin of 34.15%. This is amongst the best in the industry. OPHC outperforms 89.69% of its industry peers.
In the last couple of years the Profit Margin of OPHC has declined.
The Operating Margin and Gross Margin are not available for OPHC so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 34.15% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-16.04%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
OPHC does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for OPHC has been increased compared to 1 year ago.
OPHC has more shares outstanding than it did 5 years ago.
There is no outstanding debt for OPHC. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
2.2 Solvency
There is no outstanding debt for OPHC. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC22.35%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has been growing slightly by 7.92% over the past year.
Measured over the past years, OPHC shows a decrease in Earnings Per Share. The EPS has been decreasing by -6.10% on average per year.
Looking at the last year, OPHC shows a very strong growth in Revenue. The Revenue has grown by 27.03%.
Measured over the past years, OPHC shows a very strong growth in Revenue. The Revenue has been growing by 64.04% on average per year.
EPS 1Y (TTM)7.92%
EPS 3Y-6.1%
EPS 5YN/A
EPS Q2Q%-14.71%
Revenue 1Y (TTM)27.03%
Revenue growth 3Y52.11%
Revenue growth 5Y64.04%
Sales Q2Q%21.45%
3.2 Future
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y3.33%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 3.21, the valuation of OPHC can be described as very cheap.
Compared to the rest of the industry, the Price/Earnings ratio of OPHC indicates a rather cheap valuation: OPHC is cheaper than 98.20% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 25.91. OPHC is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 6.49, the valuation of OPHC can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of OPHC indicates a rather cheap valuation: OPHC is cheaper than 93.81% of the companies listed in the same industry.
OPHC is valuated cheaply when we compare the Price/Forward Earnings ratio to 34.57, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.21 | ||
| Fwd PE | 6.49 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of OPHC indicates a rather cheap valuation: OPHC is cheaper than 96.91% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.63 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
OPHC's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.96
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
No dividends for OPHC!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NYSEARCA:OPHC (11/13/2025, 8:04:00 PM)
4.105
-0.02 (-0.61%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners16.34%
Inst Owner Change4.38%
Ins Owners13.91%
Ins Owner Change0%
Market Cap48.23M
Revenue(TTM)43.12M
Net Income(TTM)14.72M
Analysts43.33
Price Target5.1 (24.24%)
Short Float %0.18%
Short Ratio0.82
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)87.04%
Min EPS beat(2)84.54%
Max EPS beat(2)89.54%
EPS beat(4)4
Avg EPS beat(4)93%
Min EPS beat(4)84.54%
Max EPS beat(4)101.85%
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)-13.89%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.21 | ||
| Fwd PE | 6.49 | ||
| P/S | 1.12 | ||
| P/FCF | 2.63 | ||
| P/OCF | 2.5 | ||
| P/B | 0.43 | ||
| P/tB | 0.43 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.28
EY31.18%
EPS(NY)0.63
Fwd EY15.41%
FCF(TTM)1.56
FCFY37.95%
OCF(TTM)1.64
OCFY39.92%
SpS3.67
BVpS9.48
TBVpS9.48
PEG (NY)0.96
PEG (5Y)N/A
Graham Number16.52
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.47% | ||
| ROE | 13.22% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 34.15% | ||
| GM | N/A | ||
| FCFM | 42.46% |
ROA(3y)0.96%
ROA(5y)0.87%
ROE(3y)9.37%
ROE(5y)8.02%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-16.04%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 236.57% | ||
| Cap/Sales | 2.21% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 124.32% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC22.35%
ROIC/WACCN/A
Cap/Depr(3y)253.88%
Cap/Depr(5y)210.74%
Cap/Sales(3y)2.22%
Cap/Sales(5y)2.77%
Profit Quality(3y)153.34%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)7.92%
EPS 3Y-6.1%
EPS 5YN/A
EPS Q2Q%-14.71%
EPS Next Y3.33%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)27.03%
Revenue growth 3Y52.11%
Revenue growth 5Y64.04%
Sales Q2Q%21.45%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y71.08%
FCF growth 3Y62.92%
FCF growth 5YN/A
OCF growth 1Y71.17%
OCF growth 3Y60.7%
OCF growth 5YN/A
OPTIMUMBANK HOLDINGS INC / OPHC FAQ
What is the ChartMill fundamental rating of OPTIMUMBANK HOLDINGS INC (OPHC) stock?
ChartMill assigns a fundamental rating of 4 / 10 to OPHC.
What is the valuation status of OPTIMUMBANK HOLDINGS INC (OPHC) stock?
ChartMill assigns a valuation rating of 7 / 10 to OPTIMUMBANK HOLDINGS INC (OPHC). This can be considered as Undervalued.
Can you provide the profitability details for OPTIMUMBANK HOLDINGS INC?
OPTIMUMBANK HOLDINGS INC (OPHC) has a profitability rating of 4 / 10.
What are the PE and PB ratios of OPTIMUMBANK HOLDINGS INC (OPHC) stock?
The Price/Earnings (PE) ratio for OPTIMUMBANK HOLDINGS INC (OPHC) is 3.21 and the Price/Book (PB) ratio is 0.43.
How financially healthy is OPTIMUMBANK HOLDINGS INC?
The financial health rating of OPTIMUMBANK HOLDINGS INC (OPHC) is 4 / 10.