4.14 USD
+0.02 (+0.49%)
Overall OPHC gets a fundamental rating of 4 out of 10. We evaluated OPHC against 387 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 scores decently on growth, while it is valued quite cheap. This could make an interesting combination.
1. Profitability
1.1 Basic Checks
OPHC had positive earnings in the past year.
In the past year OPHC had a positive cash flow from operations.
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
OPHC's Return On Assets of 1.47% is amongst the best of the industry. OPHC outperforms 88.43% of its industry peers.
OPHC's Return On Equity of 13.22% is amongst the best of the industry. OPHC outperforms 88.69% 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 better Profit Margin (34.15%) than 89.72% of its industry peers.
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 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.
OPHC has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, OPHC has more shares outstanding
OPHC has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC22.26%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
OPHC shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 7.92%.
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.
The Revenue has grown by 27.03% in the past year. This is a very strong growth!
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
A Price/Earnings ratio of 3.23 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 98.20% of the companies listed in the same industry.
OPHC is valuated cheaply when we compare the Price/Earnings ratio to 25.47, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 6.55 indicates a rather cheap valuation of OPHC.
Based on the Price/Forward Earnings ratio, OPHC is valued cheaply inside the industry as 93.32% of the companies are valued more expensively.
OPHC is valuated cheaply when we compare the Price/Forward Earnings ratio to 34.42, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.23 | ||
| Fwd PE | 6.55 |
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 96.66% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.66 | ||
| EV/EBITDA | N/A |
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)0.97
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
OPHC does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NYSEARCA:OPHC (11/21/2025, 8:04:00 PM)
4.14
+0.02 (+0.49%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners16.34%
Inst Owner Change6.8%
Ins Owners13.91%
Ins Owner Change0%
Market Cap48.64M
Revenue(TTM)43.12M
Net Income(TTM)14.72M
Analysts43.33
Price Target5.1 (23.19%)
Short Float %0.15%
Short Ratio0.55
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)1.64%
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 | 3.23 | ||
| Fwd PE | 6.55 | ||
| P/S | 1.13 | ||
| P/FCF | 2.66 | ||
| P/OCF | 2.53 | ||
| P/B | 0.44 | ||
| P/tB | 0.44 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.28
EY30.92%
EPS(NY)0.63
Fwd EY15.28%
FCF(TTM)1.56
FCFY37.63%
OCF(TTM)1.64
OCFY39.59%
SpS3.67
BVpS9.48
TBVpS9.48
PEG (NY)0.97
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
WACC22.26%
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 3.23 and the Price/Book (PB) ratio is 0.44.
How financially healthy is OPTIMUMBANK HOLDINGS INC?
The financial health rating of OPTIMUMBANK HOLDINGS INC (OPHC) is 4 / 10.