Optimumbank Holdings (OPHC) AI Stock Analysis

• Market Cap: $50.18M
• Dividend Yield: N/A
• Average Volume (3M): 14.91K
• Price to Earnings (P/E): 3.3
• Beta (1Y): 0.64
• Revenue Growth: 25.77%
• EPS Growth: 12.09%
• Country: US
• Employees: 73
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.29
• Shares Outstanding: 11,751,082
• 10 Day Avg. Volume: 13,931
• 30 Day Avg. Volume: 14,908
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: 0.97
• Enterprise Value/Revenue: 0.73
• Enterprise Value/Gross Profit: 1.18
• Enterprise Value/Ebitda: 2.43
• 1Y Price Target: $5.00
• Price Target Upside: 18.48% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 74 Outperform
• Price Target: $5.00 ▲(18.48% Upside)

Optimumbank Holdings' strong financial performance and attractive valuation are the primary drivers of its overall score. The technical analysis indicates a neutral market position, which slightly tempers the overall score. The absence of earnings call data and corporate events does not impact the evaluation.

Optimumbank Holdings Business Overview & Revenue Model

Company Description

OptimumBank Holdings, Inc. operates as the bank holding company for OptimumBank that provides various consumer and commercial banking services to individuals and businesses. It accepts demand interest-bearing and noninterest-bearing, savings, money market, NOW, and time deposit accounts, as well as certificates of deposit; and offers residential and commercial real estate, multi-family real estate, commercial, land and construction, and consumer loans, as well as lending lines for working capital needs. The company also provides debit and ATM cards; investment, 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. It operates through two banking offices located in Broward County, Florida. The company was founded in 2000 and is based in Fort Lauderdale, Florida.

How the Company Makes Money

Optimumbank Holdings generates revenue through multiple streams, primarily from interest income derived from loans and mortgages issued to customers. This includes personal loans, business loans, and home equity loans, where the company earns interest over the life of these products. Additionally, OPHC makes money from fees associated with various banking services such as account maintenance fees, transaction fees, and service charges. The bank also earns revenue from its investment services, including asset management and advisory fees. Significant partnerships with financial technology firms enhance its service offerings, allowing OPHC to reach a broader audience and streamline operations, which contributes positively to its earnings.

Optimumbank Holdings Financial Statement Overview

Summary

Optimumbank Holdings exhibits strong financial health across all verticals. The income statement shows robust growth and profitability, the balance sheet reflects a stable financial position with reduced leverage, and the cash flow statement indicates efficient cash management. While there are some historical fluctuations in debt levels, the overall financial trajectory is positive, positioning the company well for future growth.

Income Statement

Optimumbank Holdings has demonstrated strong revenue growth, with a notable increase in total revenue over the years. The gross profit margin remains robust, indicating efficient cost management. The net profit margin is healthy, reflecting profitability. EBIT and EBITDA margins are also strong, suggesting operational efficiency. Overall, the income statement shows a positive growth trajectory and profitability.

Balance Sheet

The balance sheet reflects a solid financial position with a low debt-to-equity ratio in the TTM period, indicating reduced leverage. Return on equity has improved, showcasing effective use of equity to generate profits. The equity ratio is stable, suggesting a strong capital base. However, historical fluctuations in debt levels present a potential risk.

Cash Flow

Cash flow analysis reveals a positive trend in free cash flow growth, indicating improved cash generation capabilities. The operating cash flow to net income ratio is stable, suggesting efficient conversion of income to cash. The free cash flow to net income ratio is high, reflecting strong cash profitability. Overall, the cash flow statement indicates healthy cash management.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	66.82M	64.25M	39.23M	22.84M	11.82M	7.00M
Gross Profit	41.27M	37.09M	23.12M	15.33M	9.66M	4.26M
EBITDA	20.00M	18.23M	9.02M	5.96M	3.37M	-455.00K
Net Income	14.72M	13.12M	6.28M	4.02M	6.30M	-782.00K
Balance Sheet
Total Assets	999.13M	932.93M	791.25M	585.22M	351.88M	235.11M
Cash, Cash Equivalents and Short-Term Investments	31.21M	116.40M	101.02M	96.94M	93.36M	73.52M
Total Debt	2.66M	102.77M	126.25M	22.17M	37.77M	25.99M
Total Liabilities	887.78M	829.75M	721.25M	522.64M	313.37M	217.28M
Stockholders Equity	111.35M	103.18M	70.01M	62.58M	38.51M	17.83M
Cash Flow
Free Cash Flow	18.89M	14.62M	6.21M	10.04M	3.38M	-1.66M
Operating Cash Flow	19.26M	15.61M	6.88M	10.36M	3.76M	-1.46M
Investing Cash Flow	-22.09M	-125.47M	-199.66M	-229.80M	-108.76M	-62.77M
Financing Cash Flow	80.53M	126.83M	197.61M	232.31M	109.34M	109.93M

Optimumbank Holdings Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 4.22
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For OPHC, the sentiment is Neutral. The current price of 4.22 is below the 20-day moving average (MA) of 4.24, below the 50-day MA of 4.35, and below the 200-day MA of 4.44, indicating a bearish trend. The MACD of -0.04 indicates Negative momentum. The RSI at 46.54 is Neutral, neither overbought nor oversold. The STOCH value of 61.94 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for OPHC.

Optimumbank Holdings Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
OPHC	74 Outperform	$50.18M	3.29	14.85%	―	25.77%	12.09%
HFBL	69 Neutral	42.69M	10.85	0.00%	3.85%	-2.93%	7.89%
TCBS	57 Neutral	49.67M	21.35	-2.50%	0.97%	13.47%	0.00%
CLST	57 Neutral	54.26M	23.57	-3.85%	―	107.33%	0.00%
CFSB	54 Neutral	91.81M	-331.68	0.00%	―	11.64%	-913.46%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

Optimumbank Holdings Corporate Events

OptimumBank Updates Asset Growth Projections for 2025

On August 12, 2025, OptimumBank Holdings, Inc. clarified a statement made during its second quarter 2025 earnings webcast regarding projected asset growth. The company corrected its projection, emphasizing its strategic plan to exceed $1.2 billion in assets by the end of 2025 and to reach between $1.5 billion and $1.6 billion by the end of 2026. This announcement highlights OptimumBank’s continued strong growth trajectory, with a consistent annual growth rate of 25% to 30%, reflecting its ambition and momentum in the banking sector.

The most recent analyst rating on (OPHC) stock is a Hold with a $5.50 price target. To see the full list of analyst forecasts on Optimumbank Holdings stock, see the OPHC Stock Forecast page.

OptimumBank Holdings Releases Q2 2025 Financial Results

On July 24, 2025, OptimumBank Holdings, Inc. released its unaudited financial results for the period ending June 30, 2025. The announcement provides insights into the company’s operational performance and financial health during this period, which could have implications for its market positioning and stakeholder interests.

The most recent analyst rating on (OPHC) stock is a Hold with a $5.25 price target. To see the full list of analyst forecasts on Optimumbank Holdings stock, see the OPHC Stock Forecast page.

OptimumBank Holdings Amends Sales Agreement to Boost Market Presence

On July 1, 2025, OptimumBank Holdings, Inc. amended its At Market Issuance Sales Agreement with Compass Point Research & Trading, LLC, adding A.G.P./Alliance Global Partners as an agent. This amendment, along with the filing of a Prospectus Supplement with the SEC, is part of the company’s strategy to enhance its market presence and potentially attract more investors through the offering of shares under the amended agreement.

The most recent analyst rating on (OPHC) stock is a Hold with a $5.25 price target. To see the full list of analyst forecasts on Optimumbank Holdings stock, see the OPHC Stock Forecast page.