4.24 USD
-0.01 (-0.24%)
Overall OPHC gets a fundamental rating of 5 out of 10. We evaluated OPHC against 387 industry peers in the Banks industry. OPHC has only an average score on both its financial health and profitability. OPHC is valued quite cheap, while showing a decent growth score. This is a good combination!
1. Profitability
1.1 Basic Checks
In the past year OPHC was profitable.
OPHC had a positive operating cash flow in the past year.
Of the past 5 years OPHC 4 years were profitable.
Of the past 5 years OPHC 4 years had a positive operating cash flow.
1.2 Ratios
OPHC has a better Return On Assets (1.47%) than 87.86% of its industry peers.
The Return On Equity of OPHC (13.22%) is better than 88.11% 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 Profit Margin of 34.15%. This is amongst the best in the industry. OPHC outperforms 89.15% of its industry peers.
In the last couple of years the Profit Margin of OPHC has declined.
The Operating Margin and Gross Margin are not available for OPHC so they could not be analyzed.
| 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.
The number of shares outstanding for OPHC has been increased compared to 1 year ago.
The number of shares outstanding for OPHC has been increased compared to 5 years ago.
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
WACC22.3%
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%.
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 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
Based on estimates for the next years, OPHC will show a quite strong growth in Earnings Per Share. The EPS will grow by 19.72% on average per year.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y16.67%
EPS Next 2Y19.72%
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
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
4. Valuation
4.1 Price/Earnings Ratio
OPHC is valuated cheaply with a Price/Earnings ratio of 3.31.
Based on the Price/Earnings ratio, OPHC is valued cheaply inside the industry as 97.93% of the companies are valued more expensively.
OPHC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.17.
A Price/Forward Earnings ratio of 4.83 indicates a rather cheap valuation of OPHC.
Based on the Price/Forward Earnings ratio, OPHC is valued cheaply inside the industry as 97.16% of the companies are valued more expensively.
The average S&P500 Price/Forward Earnings ratio is at 23.79. OPHC is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.31 | ||
| Fwd PE | 4.83 |
4.2 Price Multiples
96.64% of the companies in the same industry are more expensive than OPHC, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.67 | ||
| EV/EBITDA | N/A |
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.
A more expensive valuation may be justified as OPHC's earnings are expected to grow with 19.72% in the coming years.
PEG (NY)0.2
PEG (5Y)N/A
EPS Next 2Y19.72%
EPS Next 3YN/A
5. Dividend
5.1 Amount
OPHC does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
NYSEARCA:OPHC (1/6/2026, 8:04:00 PM)
4.24
-0.01 (-0.24%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners17.17%
Inst Owner Change0%
Ins Owners14.18%
Ins Owner Change-1.26%
Market Cap48.89M
Revenue(TTM)43.12M
Net Income(TTM)14.72M
Analysts43.33
Price Target5.1 (20.28%)
Short Float %0.1%
Short Ratio0.25
Dividend
| Industry Rank | Sector 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)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)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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.31 | ||
| Fwd PE | 4.83 | ||
| P/S | 1.13 | ||
| P/FCF | 2.67 | ||
| P/OCF | 2.54 | ||
| P/B | 0.44 | ||
| P/tB | 0.44 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.28
EY30.19%
EPS(NY)0.88
Fwd EY20.69%
FCF(TTM)1.59
FCFY37.45%
OCF(TTM)1.67
OCFY39.39%
SpS3.74
BVpS9.66
TBVpS9.66
PEG (NY)0.2
PEG (5Y)N/A
Graham Number16.68
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
WACC22.3%
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 Y16.67%
EPS Next 2Y19.72%
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 5 / 10 to OPHC.
What is the valuation status for OPHC stock?
ChartMill assigns a valuation rating of 8 / 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.
Can you provide the financial health for OPHC stock?
The financial health rating of OPTIMUMBANK HOLDINGS INC (OPHC) is 4 / 10.