OptimumBank Holdings Inc (OPHC)

Currency in USD
4.950
+0.095(+1.96%)
Closed·
Trading near 52-week High
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Fair Value
Day's Range
4.8204.950
52 wk Range
3.5304.950
Key Statistics
Prev. Close
4.95
Open
4.895
Day's Range
4.82-4.95
52 wk Range
3.53-4.95
Volume
55.95K
Average Volume (3m)
31.9K
1-Year Change
7.3753%
Book Value / Share
10.57
Fair Value
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Fair Value Upside
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OPHC Scorecardpro icon
Company’s Health
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Fair Value
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Fair Price
Upside
Price Target
5.000
Upside
+1.01%
Members' Sentiments
Bearish
Bullish
ProTips
Trading at a low earnings multiple

OptimumBank Holdings Inc News & Analysis

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Technical Analysis

Summary
Strong Sell
Sell
Neutral
Buy
Strong Buy
Strong Buy
Technical Indicators
Strong Buy
Moving Averages
Strong Buy

OptimumBank Holdings Inc Company Profile

OptimumBank Holdings, Inc. operates as the bank holding company for OptimumBank that provides various consumer and commercial banking services to individuals and businesses. The company accepts demand 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, as well as internet banking services. OptimumBank Holdings, Inc. was founded in 2000 and is based in Fort Lauderdale, Florida.

Sector
Financial
Employees
73

OptimumBank Holdings Inc Earnings Call Summary for Q3/2025

  • OptimumBank reported Q3 2025 EPS of $0.18, exceeding forecasts by 20%, with revenue of $13.03 million and net earnings rising to $4.3 million from $3.6 million in Q2.
  • Net interest income reached $11 million, up $800,000 quarter-over-quarter, while core ROE improved to 22.6%, reflecting strong operational performance.
  • The bank expanded its physical presence with a new North Miami Beach branch and significantly increased its employee base to enhance operational capacity.
  • Management forecasts maintaining capital levels above 11% by year-end and targets $50 million in monthly new loan fundings while exploring M&A opportunities.
  • Following the earnings announcement, OptimumBank's stock rose 0.97% to $4.13, signaling investor confidence in the company's growth trajectory.
Last Updated: 2025-11-13, 10:52 a/m
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Compare OPHC to Peers and Sector

Metrics to compare
OPHC
Peers
Sector
Relationship
P/E Ratio
3.6x14.0x10.1x
PEG Ratio
−0.080.090.03
Price/Book
0.5x1.0x1.0x
Price / LTM Sales
1.3x3.1x2.9x
Upside (Analyst Target)
1.0%8.5%10.9%
Fair Value Upside
Unlock−13.1%1.2%Unlock

Analyst Ratings

0 Buy
1 Hold
0 Sell
Ratings:
1 analysts
Overall Consensus
Neutral

Analysts 12-Month Price Target:

Average 5.000
(+1.01% Upside)
Firm
ArticlePositionPrice TargetUpside / DownsideFrom Price TargetActionDate
Compass Point
Hold5.00+1.01%5.50MaintainMay 15, 2025
Compass Point
Hold5.50+11.11%6.50MaintainFeb 27, 2025

Earnings

Latest Release
Feb 02, 2026
EPS / Forecast
0.21 / 0.15
Revenue / Forecast
13.59M / --
EPS Revisions
Last 90 days

OPHC Income Statement

FAQ

What Is the OptimumBank Holdings (OPHC) Stock Price Today?

The OptimumBank Holdings stock price today is 4.950

What Stock Exchange Does OptimumBank Holdings Trade On?

OptimumBank Holdings is listed and trades on the New York Stock Exchange.

What Is the Stock Symbol for OptimumBank Holdings?

The stock symbol for OptimumBank Holdings is "OPHC."

What Is the OptimumBank Holdings Market Cap?

As of today, OptimumBank Holdings market cap is 59.72M.

What Is OptimumBank Holdings's Earnings Per Share (TTM)?

The OptimumBank Holdings EPS (TTM) is 1.42.

When Is the Next OptimumBank Holdings Earnings Date?

OptimumBank Holdings will release its next earnings report on Feb 02, 2026.

From a Technical Analysis Perspective, Is OPHC a Buy or Sell?

Based on moving averages and other technical indicators, the daily buy/sell signal is Strong Buy.

How Many Times Has OptimumBank Holdings Stock Split?

OptimumBank Holdings has split 7 times.

How Many Employees Does OptimumBank Holdings Have?

OptimumBank Holdings has 73 employees.

What is the current trading status of OptimumBank Holdings (OPHC)?

As of Feb 05, 2026, OptimumBank Holdings (OPHC) is trading at a price of 4.950, with a previous close of 4.950. The stock has fluctuated within a day range of 4.820 to 4.950, while its 52-week range spans from 3.530 to 4.950.

What Is OptimumBank Holdings (OPHC) Price Target According to Analysts?

The average 12-month price target for OptimumBank Holdings is USD5.000, with a high estimate of USD5 and a low estimate of USD5. 0 analysts recommend buying the stock, while 0 suggest selling, leading to an overall rating of Neutral. The stock has an +1.01% Upside potential.
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