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OPTIMUMBANK HOLDINGS INC (OPHC) Stock Fundamental Analysis

NYSEARCA:OPHC - NYSE Arca - US68401P4037 - Common Stock - Currency: USD

4.53  +0.01 (+0.22%)

Fundamental Rating

4

OPHC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 395 industry peers in the Banks industry. OPHC has only an average score on both its financial health and profitability. OPHC may be a bit undervalued, certainly considering the very reasonable score on growth


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

In the past year OPHC was profitable.
In the past year OPHC had a positive cash flow from operations.
Of the past 5 years OPHC 4 years were profitable.
Of the past 5 years OPHC 4 years had a positive operating cash flow.
OPHC Yearly Net Income VS EBIT VS OCF VS FCFOPHC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5M 10M 15M

1.2 Ratios

OPHC's Return On Assets of 1.50% is amongst the best of the industry. OPHC outperforms 89.11% of its industry peers.
With an excellent Return On Equity value of 13.54%, OPHC belongs to the best of the industry, outperforming 88.61% of the companies in the same industry.
Industry RankSector Rank
ROA 1.5%
ROE 13.54%
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
OPHC Yearly ROA, ROE, ROICOPHC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 -20

1.3 Margins

OPHC has a Profit Margin of 35.67%. This is amongst the best in the industry. OPHC outperforms 92.66% of its industry peers.
OPHC's Profit Margin has declined in the last couple of years.
OPHC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 35.67%
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
OPHC Yearly Profit, Operating, Gross MarginsOPHC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 40

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4

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.
OPHC Yearly Shares OutstandingOPHC Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M 10M
OPHC Yearly Total Debt VS Total AssetsOPHC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M

2.2 Solvency

OPHC has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC21.07%
OPHC Yearly LT Debt VS Equity VS FCFOPHC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M 40M 60M 80M 100M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
OPHC Yearly Current Assets VS Current LiabilitesOPHC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2018 2019 2020 2021 2022 2023 2024 500K 1M 1.5M 2M 2.5M

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4

3. Growth

3.1 Past

OPHC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 30.15%, which is quite impressive.
The Earnings Per Share has been decreasing by -6.10% on average over the past years.
OPHC shows a strong growth in Revenue. In the last year, the Revenue has grown by 35.00%.
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)30.15%
EPS 3Y-6.1%
EPS 5YN/A
EPS Q2Q%1.61%
Revenue 1Y (TTM)35%
Revenue growth 3Y52.11%
Revenue growth 5Y64.04%
Sales Q2Q%18.54%

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 Y20%
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.
OPHC Yearly Revenue VS EstimatesOPHC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M
OPHC Yearly EPS VS EstimatesOPHC Yearly EPS VS EstimatesYearly EPS VS Estimates 2024 2025 0.2 0.4 0.6

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 3.41, which indicates a rather cheap valuation of OPHC.
OPHC's Price/Earnings ratio is rather cheap when compared to the industry. OPHC is cheaper than 98.48% of the companies in the same industry.
When comparing the Price/Earnings ratio of OPHC to the average of the S&P500 Index (27.45), we can say OPHC is valued rather cheaply.
With a Price/Forward Earnings ratio of 6.17, the valuation of OPHC can be described as very cheap.
Based on the Price/Forward Earnings ratio, OPHC is valued cheaper than 93.92% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.90, OPHC is valued rather cheaply.
Industry RankSector Rank
PE 3.41
Fwd PE 6.17
OPHC Price Earnings VS Forward Price EarningsOPHC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

94.18% of the companies in the same industry are more expensive than OPHC, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 3.51
EV/EBITDA N/A
OPHC Per share dataOPHC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8

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)0.17
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

OPHC does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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OPTIMUMBANK HOLDINGS INC

NYSEARCA:OPHC (7/3/2025, 7:58:20 PM)

4.53

+0.01 (+0.22%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)05-12 2025-05-12/dmh
Earnings (Next)08-04 2025-08-04
Inst Owners14.46%
Inst Owner Change42.08%
Ins Owners13.91%
Ins Owner Change0%
Market Cap53.23M
Analysts43.33
Price Target5.1 (12.58%)
Short Float %0.11%
Short Ratio0.77
Dividend
Industry RankSector 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)93.19%
Min EPS beat(2)84.54%
Max EPS beat(2)101.85%
EPS beat(4)4
Avg EPS beat(4)101.17%
Min EPS beat(4)84.54%
Max EPS beat(4)122.22%
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)-9.09%
PT rev (3m)-9.09%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-16.67%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
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 RankSector Rank
PE 3.41
Fwd PE 6.17
P/S 1.3
P/FCF 3.51
P/OCF 3.29
P/B 0.49
P/tB 0.49
EV/EBITDA N/A
EPS(TTM)1.33
EY29.36%
EPS(NY)0.73
Fwd EY16.21%
FCF(TTM)1.29
FCFY28.53%
OCF(TTM)1.38
OCFY30.43%
SpS3.49
BVpS9.19
TBVpS9.19
PEG (NY)0.17
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 1.5%
ROE 13.54%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 35.67%
GM N/A
FCFM 37.05%
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
ROICexcg growth 3YN/A
ROICexcg 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 RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 295.91%
Cap/Sales 2.47%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 103.87%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC21.07%
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)30.15%
EPS 3Y-6.1%
EPS 5YN/A
EPS Q2Q%1.61%
EPS Next Y20%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)35%
Revenue growth 3Y52.11%
Revenue growth 5Y64.04%
Sales Q2Q%18.54%
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 1Y84.5%
FCF growth 3Y62.92%
FCF growth 5YN/A
OCF growth 1Y85.31%
OCF growth 3Y60.7%
OCF growth 5YN/A