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OPHC
OptimumBank Holdings, Inc.
NYSE American· Financial Services· Banks - Regional· CUSIP 68401P403
$8.98+2.75%Price as of Aug 29, 18:39 UTC · updated once a day, after the close
Key metrics
- Market cap
- $113.35M
- P/E
- 10.1x
- Forward P/E
- 6.7x
- P/B
- 1.6x
- Dividend yield
- —
- Payout
- —
- EPS
- $0.89
- ROE
- 16.68%
- Profit margin
- 36.02%
- Revenue growth
- +56.00%
- Beta
- 0.26
- 52-week high
- $10.68
- 52-week low
- $3.91
History
How the company evolved, year by year. Revenue and debt come from the annual reports — for most companies, the 10-K filings with the SEC since 2009; dividends from the payments themselves.
The bars are a balance on the closing date; the lines are what happened during the year. Revenue above equity is ordinary, not an anomaly — it means the company turns its capital over more than once a year.
Investors holding this
Major managers that reported this stock in their latest 13F.
Price over time
▲ +68.6% over 5Y.
today you would have $1,708.49▲ +70.8%
Dividends reinvested, splits accounted for. Past prices say what happened, not what will.
Indicators, year by year
The last 16 closed years. Each multiple uses that year’s closing price and that year’s reported numbers — not today’s. The range is set by the annual reports on record.
| Indicator | Median | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Year-end price | $4.25 | $4.76 | $4.18 | $4.09 | $3.93 | $3.37 | $2.77 | $3.00 | $4.70 | $3.78 | $3.70 | $10.50 | $15.00 | $19.60 | $20.00 | $198.40 | |
| P/E | 5.7x |
Fair price, seven ways
Seven formulas applied to what the company reported. None of them predicts a price — each answers what the stock would be worth if its assumption held. The assumption is printed next to every number, because it is the assumption that produces the result.
Earnings
$10.63
Square root of 22.5 × earnings × book value — the two ceilings Graham proposed. Blind to intangibles, so it undervalues software and brands.
Earnings
—
This formula has no meaning here — usually a loss, negative cash flow, or a missing input.
Earnings
$11.91
Median P/E of 13.4 among peers in the sector.
Earnings
$5.05
Median P/E of 5.7 across the years on record for this company itself. Answers whether it is cheap against its own past, which a whole sector trading low cannot flatter.
Cash flow
$12.68
Cash flow growing 5.0% a year for 10 years, discounted at 10%, then 2.5% forever.
Operating
—
This formula has no meaning here — usually a loss, negative cash flow, or a missing input.
Others in the same sector
Companies of similar size in Financial Services, for comparison. The columns are the same ones above, in the same order.
| Stock | Price | P/E | P/B | Dividend yield | ROE | Market cap |
|---|---|---|---|---|---|---|
| BYFCBroadway Financial Corp de | $12.31 | — | 1.0x | — | -7.51% | $114.22M |
| PLMKPlum Acquisition Corp, IV | $10.73 | 51.1x | — | — | — | $114.84M |
| PROVProvident Financial Holdings Inc | $18.57 | 18.0x | 0.9x | 3.02% | 5.22% | $115.76M |
| UNBUnion Bankshares Inc |
About the company
OptimumBank Holdings, Inc. operates as the bank holding company for OptimumBank, which provides various consumer and commercial banking services to individuals and businesses. The company accepts interest-bearing and noninterest-bearing, savings, money market, and NOW accounts, as well as time deposits, wire transfers, ACH services, and certificates of deposit. It also offers multi-family real estate, residential and commercial real estate, and land and construction loans; commercial loans for working capital purposes or acquiring equipment, inventory, and furniture; and consumer loans for various purposes, including purchases of automobiles, recreational vehicles, boats, home improvements, lines of credit, personal, and deposit account collateralized loans. In addition, the company provides debit and ATM cards; cash management, notary, and night depository services; and direct deposits, money orders, cashier's checks, domestic collections, and banking by mail. OptimumBank Holdings, Inc. was founded in 2000 and is headquartered in Fort Lauderdale, Florida.
- 98
- Fort Lauderdale, United States
Company description provided by Yahoo Finance.