OPTIMUMBANK HOLDINGS INC (OPHC) Fundamental Analysis & Valuation

NYSEARCA:OPHC • US68401P4037

Current stock price

5.49 USD
+0.06 (+1.1%)
Last:

This OPHC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. OPHC Profitability Analysis

1.1 Basic Checks

  • In the past year OPHC was profitable.
  • OPHC had a positive operating cash flow in the past year.
  • In the past 5 years OPHC has always been profitable.
  • Each year in the past 5 years OPHC 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5M 10M 15M

1.2 Ratios

  • With an excellent Return On Assets value of 1.50%, OPHC belongs to the best of the industry, outperforming 86.44% of the companies in the same industry.
  • OPHC has a better Return On Equity (13.66%) than 89.10% of its industry peers.
Industry RankSector Rank
ROA 1.5%
ROE 13.66%
ROIC N/A
ROA(3y)1.23%
ROA(5y)1.24%
ROE(3y)11.78%
ROE(5y)11.63%
ROIC(3y)N/A
ROIC(5y)N/A
OPHC Yearly ROA, ROE, ROICOPHC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 -10 -20

1.3 Margins

  • Looking at the Profit Margin, with a value of 33.73%, OPHC belongs to the top of the industry, outperforming 86.44% of the companies in the same industry.
  • OPHC's Profit Margin has improved 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) 33.73%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y16.4%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 -20 40

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4

2. OPHC Health Analysis

2.1 Basic Checks

  • OPHC does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, OPHC has less shares outstanding
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M 8M 10M
OPHC Yearly Total Debt VS Total AssetsOPHC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B

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 RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC19.28%
OPHC Yearly LT Debt VS Equity VS FCFOPHC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2016 2018 2019 2020 2021 2022 2023 2024 2025 500K 1M 1.5M 2M 2.5M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. OPHC Growth Analysis

3.1 Past

  • OPHC shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -8.45%.
  • Measured over the past 5 years, OPHC shows a small growth in Earnings Per Share. The EPS has been growing by 1.49% on average per year.
  • Looking at the last year, OPHC shows a very strong growth in Revenue. The Revenue has grown by 25.55%.
  • The Revenue has been growing by 56.37% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)-8.45%
EPS 3Y1.49%
EPS 5YN/A
EPS Q2Q%-40%
Revenue 1Y (TTM)25.55%
Revenue growth 3Y37.96%
Revenue growth 5Y56.37%
Sales Q2Q%41.31%

3.2 Future

  • Based on estimates for the next years, OPHC will show a very negative growth in Earnings Per Share. The EPS will decrease by -46.84% on average per year.
  • Based on estimates for the next years, OPHC will show a very strong growth in Revenue. The Revenue will grow by 1184.01% on average per year.
EPS Next Y-12.28%
EPS Next 2Y-46.84%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2Y1184.01%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
OPHC Yearly Revenue VS EstimatesOPHC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2027 2B 4B 6B 8B
OPHC Yearly EPS VS EstimatesOPHC Yearly EPS VS EstimatesYearly EPS VS Estimates 2024 2025 2026 2027 0 0.2 0.4 0.6 0.8

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6

4. OPHC Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 5.49 indicates a rather cheap valuation of OPHC.
  • 96.28% of the companies in the same industry are more expensive than OPHC, based on the Price/Earnings ratio.
  • Compared to an average S&P500 Price/Earnings ratio of 27.95, OPHC is valued rather cheaply.
  • The Price/Forward Earnings ratio is 6.26, which indicates a rather cheap valuation of OPHC.
  • 95.21% of the companies in the same industry are more expensive than OPHC, based on the Price/Forward Earnings ratio.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 38.68, OPHC is valued rather cheaply.
Industry RankSector Rank
PE 5.49
Fwd PE 6.26
OPHC Price Earnings VS Forward Price EarningsOPHC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, OPHC is valued cheaper than 95.74% of the companies in the same industry.
Industry RankSector Rank
P/FCF 3.94
EV/EBITDA N/A
OPHC Per share dataOPHC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

4.3 Compensation for Growth

  • OPHC's earnings are expected to decrease with -46.84% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-46.84%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. OPHC Dividend Analysis

5.1 Amount

  • No dividends for OPHC!.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

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OPHC Fundamentals: All Metrics, Ratios and Statistics

OPTIMUMBANK HOLDINGS INC

NYSEARCA:OPHC (4/20/2026, 8:23:49 PM)

5.49

+0.06 (+1.1%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-02
Earnings (Next)05-12
Inst Owners13.46%
Inst Owner Change0%
Ins Owners17.54%
Ins Owner Change40.87%
Market Cap66.81M
Revenue(TTM)49.36M
Net Income(TTM)16.65M
Analysts43.33
Price Target6.38 (16.21%)
Short Float %0.24%
Short Ratio0.77
Dividend
Industry RankSector Rank
Dividend Yield 0%
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)10.29%
Min EPS beat(2)2.94%
Max EPS beat(2)17.65%
EPS beat(4)4
Avg EPS beat(4)48.67%
Min EPS beat(4)2.94%
Max EPS beat(4)89.54%
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)4.17%
PT rev (3m)25%
EPS NQ rev (1m)15%
EPS NQ rev (3m)15%
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 5.49
Fwd PE 6.26
P/S 1.35
P/FCF 3.94
P/OCF 3.74
P/B 0.55
P/tB 0.55
EV/EBITDA N/A
EPS(TTM)1
EY18.21%
EPS(NY)0.88
Fwd EY15.98%
FCF(TTM)1.39
FCFY25.36%
OCF(TTM)1.47
OCFY26.7%
SpS4.06
BVpS10.02
TBVpS10.02
PEG (NY)N/A
PEG (5Y)N/A
Graham Number15.0121 (173.44%)
Profitability
Industry RankSector Rank
ROA 1.5%
ROE 13.66%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 33.73%
GM N/A
FCFM 34.33%
ROA(3y)1.23%
ROA(5y)1.24%
ROE(3y)11.78%
ROE(5y)11.63%
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 3Y16.4%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 191.45%
Cap/Sales 1.82%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 101.78%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC19.28%
ROIC/WACCN/A
Cap/Depr(3y)271.32%
Cap/Depr(5y)226.81%
Cap/Sales(3y)2.26%
Cap/Sales(5y)2.38%
Profit Quality(3y)104.02%
Profit Quality(5y)123.09%
High Growth Momentum
Growth
EPS 1Y (TTM)-8.45%
EPS 3Y1.49%
EPS 5YN/A
EPS Q2Q%-40%
EPS Next Y-12.28%
EPS Next 2Y-46.84%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)25.55%
Revenue growth 3Y37.96%
Revenue growth 5Y56.37%
Sales Q2Q%41.31%
Revenue Next YearN/A
Revenue Next 2Y1184.01%
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 1Y15.93%
FCF growth 3Y19.06%
FCF growth 5YN/A
OCF growth 1Y14.33%
OCF growth 3Y19.86%
OCF growth 5YN/A

OPTIMUMBANK HOLDINGS INC / OPHC Fundamental Analysis FAQ

What is the ChartMill fundamental rating of OPTIMUMBANK HOLDINGS INC (OPHC) stock?

ChartMill assigns a fundamental rating of 5 / 10 to OPHC.


Can you provide the valuation status for OPTIMUMBANK HOLDINGS INC?

ChartMill assigns a valuation rating of 6 / 10 to OPTIMUMBANK HOLDINGS INC (OPHC). This can be considered as Fairly Valued.


What is the profitability of OPHC stock?

OPTIMUMBANK HOLDINGS INC (OPHC) has a profitability rating of 5 / 10.


What is the financial health of OPTIMUMBANK HOLDINGS INC (OPHC) stock?

The financial health rating of OPTIMUMBANK HOLDINGS INC (OPHC) is 4 / 10.


Can you provide the expected EPS growth for OPHC stock?

The Earnings per Share (EPS) of OPTIMUMBANK HOLDINGS INC (OPHC) is expected to decline by -12.28% in the next year.