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OPTIMUMBANK HOLDINGS INC (OPHC) Stock Fundamental Analysis

USA - NYSEARCA:OPHC - US68401P4037 - Common Stock

4.0502 USD
-0.06 (-1.45%)
Last: 10/10/2025, 8:50:06 PM
Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to OPHC. OPHC was compared to 392 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.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5M 10M 15M

1.2 Ratios

The Return On Assets of OPHC (1.47%) is better than 88.78% of its industry peers.
The Return On Equity of OPHC (13.22%) is better than 88.27% of its industry peers.
Industry RankSector 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
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

Looking at the Profit Margin, with a value of 34.15%, OPHC belongs to the top of the industry, outperforming 90.05% of the companies in the same industry.
In the last couple of years the Profit Margin of OPHC has declined.
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) 34.15%
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
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.
OPHC has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, OPHC has more shares outstanding
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

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
WACC22.49%
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

The Earnings Per Share has been growing slightly by 7.92% over the past year.
OPHC shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -6.10% yearly.
Looking at the last year, OPHC shows a very strong growth in Revenue. The Revenue has grown by 27.03%.
OPHC shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 64.04% yearly.
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.
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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7

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 3.16 indicates a rather cheap valuation of OPHC.
Compared to the rest of the industry, the Price/Earnings ratio of OPHC indicates a rather cheap valuation: OPHC is cheaper than 98.72% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.02, OPHC is valued rather cheaply.
The Price/Forward Earnings ratio is 6.40, which indicates a rather cheap valuation of OPHC.
Based on the Price/Forward Earnings ratio, OPHC is valued cheaply inside the industry as 92.09% of the companies are valued more expensively.
OPHC is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.57, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 3.16
Fwd PE 6.4
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

OPHC's Price/Free Cash Flow ratio is rather cheap when compared to the industry. OPHC is cheaper than 96.94% of the companies in the same industry.
Industry RankSector Rank
P/FCF 2.6
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

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.95
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

No dividends for OPHC!.
Industry RankSector Rank
Dividend Yield N/A

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OPTIMUMBANK HOLDINGS INC

NYSEARCA:OPHC (10/10/2025, 8:50:06 PM)

4.0502

-0.06 (-1.45%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)08-07 2025-08-07/bmo
Earnings (Next)11-07 2025-11-07
Inst Owners16.34%
Inst Owner Change0%
Ins Owners13.91%
Ins Owner Change0%
Market Cap47.59M
Analysts43.33
Price Target5.1 (25.92%)
Short Float %0.06%
Short Ratio0.27
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)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)1.64%
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 RankSector Rank
PE 3.16
Fwd PE 6.4
P/S 1.1
P/FCF 2.6
P/OCF 2.47
P/B 0.43
P/tB 0.43
EV/EBITDA N/A
EPS(TTM)1.28
EY31.6%
EPS(NY)0.63
Fwd EY15.61%
FCF(TTM)1.56
FCFY38.47%
OCF(TTM)1.64
OCFY40.46%
SpS3.67
BVpS9.48
TBVpS9.48
PEG (NY)0.95
PEG (5Y)N/A
Profitability
Industry RankSector 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
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 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
WACC22.49%
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