OPTIMUMBANK HOLDINGS INC (OPHC) Stock Fundamental Analysis

NYSEARCA:OPHC • US68401P4037

5.25 USD
-0.1 (-1.87%)
At close: Feb 18, 2026
5.36 USD
+0.11 (+2.1%)
After Hours: 2/18/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

Taking everything into account, OPHC scores 3 out of 10 in our fundamental rating. OPHC was compared to 381 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 has a valuation in line with the averages, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • In the past year OPHC was profitable.
  • OPHC had a positive operating cash flow in the past year.
  • OPHC had positive earnings in 4 of the past 5 years.
  • OPHC had a positive operating cash flow in 4 of the past 5 years.
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 0 5M 10M 15M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 1.45%, OPHC belongs to the top of the industry, outperforming 87.66% of the companies in the same industry.
  • OPHC has a Return On Equity of 13.47%. This is amongst the best in the industry. OPHC outperforms 90.03% of its industry peers.
Industry RankSector Rank
ROA 1.45%
ROE 13.47%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 -20

1.3 Margins

  • OPHC has a better Profit Margin (34.18%) than 88.71% 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) 34.18%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 40

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. Health

2.1 Basic Checks

  • OPHC does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • 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 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 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
WACC20.76%
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 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 500K 1M 1.5M 2M 2.5M

More info and screens

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

0

3. Growth

3.1 Past

EPS 1Y (TTM)N/A
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-40%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%41.31%

3.2 Future

  • The Earnings Per Share is expected to decrease by -46.84% on average over the next years. This is quite bad
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y-12.28%
EPS Next 2Y-46.84%
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 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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

More info and screens

Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • OPHC is valuated cheaply with a Price/Earnings ratio of 5.25.
  • OPHC's Price/Earnings ratio is rather cheap when compared to the industry. OPHC is cheaper than 97.11% of the companies in the same industry.
  • OPHC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.27.
  • The Price/Forward Earnings ratio is 5.98, which indicates a rather cheap valuation of OPHC.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of OPHC indicates a rather cheap valuation: OPHC is cheaper than 96.59% of the companies listed in the same industry.
  • When comparing the Price/Forward Earnings ratio of OPHC to the average of the S&P500 Index (28.16), we can say OPHC is valued rather cheaply.
Industry RankSector Rank
PE 5.25
Fwd PE 5.98
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

  • 95.80% 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 3.7
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

  • A cheap valuation may be justified as OPHC's earnings are expected to decrease with -46.84% in the coming years.
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. Dividend

5.1 Amount

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

More info and screens

Find the best dividend stocksShow peers with best dividend

OPTIMUMBANK HOLDINGS INC

NYSEARCA:OPHC (2/18/2026, 8:04:00 PM)

After market: 5.36 +0.11 (+2.1%)

5.25

-0.1 (-1.87%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-02
Earnings (Next)05-11
Inst Owners17.17%
Inst Owner Change-19.93%
Ins Owners14.18%
Ins Owner Change28.09%
Market Cap60.53M
Revenue(TTM)N/A
Net Income(TTM)15.75M
Analysts43.33
Price Target5.1 (-2.86%)
Short Float %0.29%
Short Ratio0.75
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)53.59%
Min EPS beat(2)17.65%
Max EPS beat(2)89.54%
EPS beat(4)4
Avg EPS beat(4)73.39%
Min EPS beat(4)17.65%
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)33.33%
EPS NY rev (1m)0%
EPS NY rev (3m)12.9%
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 5.25
Fwd PE 5.98
P/S 1.31
P/FCF 3.7
P/OCF 3.53
P/B 0.52
P/tB 0.52
EV/EBITDA N/A
EPS(TTM)1
EY19.05%
EPS(NY)0.88
Fwd EY16.71%
FCF(TTM)1.42
FCFY27.03%
OCF(TTM)1.49
OCFY28.36%
SpS4
BVpS10.14
TBVpS10.14
PEG (NY)N/A
PEG (5Y)N/A
Graham Number15.1
Profitability
Industry RankSector Rank
ROA 1.45%
ROE 13.47%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 34.18%
GM N/A
FCFM 35.51%
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 RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 185.06%
Cap/Sales 1.75%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 103.89%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC20.76%
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)N/A
EPS 3YN/A
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)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%41.31%
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 1Y71.48%
FCF growth 3Y62.92%
FCF growth 5YN/A
OCF growth 1Y69.1%
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 3 / 10 to OPHC.


What is the valuation status for OPHC stock?

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


Can you provide the profitability details for OPTIMUMBANK HOLDINGS INC?

OPTIMUMBANK HOLDINGS INC (OPHC) has a profitability rating of 4 / 10.


Can you provide the financial health for OPHC stock?

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