OptimumBank Holdings, Inc. (OPHC)Financial Services | Banks - Regional | Fort Lauderdale, United States | NYSE American
8.79 USD
+0.16
(1.854%)
⇧
(Oct. 13, 2026, 4 p.m.
EDT)
After hours: 8.79 |
Hot Take ↕ | Oct. 10, 2026, 3:47 a.m. EDT
The immediate outlook is flat due to a lack of statistical edge and recent price consolidation, though the underlying business shows exceptional strength. Fundamentally, this is a standout regional bank with a fortress balance sheet, delivering a 16.7% return on equity and accelerating earnings growth of nearly 87% year-over-year. Revenue is expanding at a robust 56% pace, and the company is generating significant operating cash flow while trading at a discount to book value. However, the stock has recently underperformed, dropping below its 200-day average, and the price history reveals a decade-long struggle to build consistent shareholder value, with only three profitable years in the last nine. Crucially, there is no dividend to provide income or cushion the volatility. While the statistical models offer no directional bias for the near term, the gap between the company's superior operational metrics and its depressed market price suggests a compelling long-term accumulation opportunity, provided investors can stomach the lack of recent price momentum and the absence of a payout. |
| Model | MAE |
|---|---|
| AutoETS ✓ | 0.024294 |
| AutoTheta | 0.025299 |
| MSTL | 0.027169 |
| AutoARIMA | 0.169707 |
Forecast horizon: 45 days | Selected: AutoETS
| Forecast Reliability | |
|---|---|
| Score | 38% |
| H-stat | 0.20 |
| Ljung-Box p | 0.000 |
| Jarque-Bera p | 0.000 |
| Excess Kurtosis | 2.42 |
| Attribute | Value |
|---|---|
| Sector | Financial Services |
| Revenue per Share | 4.388 |
| Market Cap | 111,020,848 |
| Trailing P/E | 10.10 |
| Forward P/E | 6.51 |
| Beta | 0.31 |
| Profit Margins | 36.02% |
| Website | https://www.optimumbank.com |
| Attribute | Value |
|---|---|
| 52 Week Change | 1.1467662 |
| Address1 | 2,929 East Commercial Boulevard |
| Address2 | Suite 303 |
| All Time High | 2,071.8281 |
| All Time Low | 1.68 |
| Ask | 9.06 |
| Ask Size | 400 |
| Average Daily Volume10 Day | 60,640 |
| Average Daily Volume3 Month | 125,515 |
| Average Volume | 125,515 |
| Average Volume10Days | 60,640 |
| Beta | 0.309 |
| Bid | 8.46 |
| Bid Size | 100 |
| Book Value | 5.646 |
| City | Fort Lauderdale |
| Compensation As Of Epoch Date | 1,767,139,200 |
| Country | United States |
| Crypto Tradeable | 0 |
| Currency | USD |
| Current Price | 8.79 |
| Custom Price Alert Confidence | HIGH |
| Date Short Interest | 1,790,726,400 |
| Day High | 8.885 |
| Day Low | 8.525 |
| Display Name | OptimumBank |
| Dividend Yield | 0.0 |
| Earnings Call Timestamp End | 1,786,640,400 |
| Earnings Call Timestamp Start | 1,786,640,400 |
| Earnings Growth | 0.867 |
| Earnings Quarterly Growth | 0.848 |
| Earnings Timestamp | 1,784,896,200 |
| Earnings Timestamp End | 1,792,758,600 |
| Earnings Timestamp Start | 1,792,758,600 |
| Ebitda Margins | 0.0 |
| Enterprise To Revenue | 1.88 |
| Enterprise Value | 106,979,416 |
| Eps Current Year | 1.225 |
| Eps Forward | 1.35 |
| Eps Trailing Twelve Months | 0.87 |
| Esg Populated | 0 |
| Exchange | ASE |
| Exchange Data Delayed By | 0 |
| Exchange Timezone Name | America/New_York |
| Exchange Timezone Short Name | EDT |
| Fifty Day Average | 9.0884 |
| Fifty Day Average Change | -0.29839993 |
| Fifty Day Average Change Percent | -0.032833055 |
| Fifty Two Week Change Percent | 114.67662 |
| Fifty Two Week High | 10.68 |
| Fifty Two Week High Change | -1.8900003 |
| Fifty Two Week High Change Percent | -0.17696632 |
| Fifty Two Week Low | 3.91 |
| Fifty Two Week Low Change | 4.88 |
| Fifty Two Week Low Change Percent | 1.2480818 |
| Fifty Two Week Range | 3.91 - 10.68 |
| Financial Currency | USD |
| First Trade Date Milliseconds | 1,056,375,000,000 |
| Float Shares | 10,350,900 |
| Forward Eps | 1.35 |
| Forward P E | 6.511111 |
| Full Exchange Name | NYSE American |
| Full Time Employees | 98 |
| Fullday Change | 0.15999985 |
| Fullday Change Percent | 1.8539959 |
| Fullday Price | 8.79 |
| Gmt Off Set Milliseconds | -14,400,000 |
| Gross Margins | 0.0 |
| Gross Profits | 56,893,000 |
| Has Pre Post Market Data | 1 |
| Held Percent Insiders | 0.17982 |
| Held Percent Institutions | 0.18792 |
| Implied Shares Outstanding | 12,630,358 |
| Industry | Banks - Regional |
| Industry Disp | Banks - Regional |
| Industry Key | banks-regional |
| Is Earnings Date Estimate | 1 |
| Language | en-US |
| Last Fiscal Year End | 1,767,139,200 |
| Last Split Date | 1,452,556,800 |
| Last Split Factor | 1:10 |
| Long Business Summary | 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. |
| Long Name | OptimumBank Holdings, Inc. |
| Market | us_market |
| Market Cap | 111,020,848 |
| Market State | POST |
| Max Age | 86,400 |
| Message Board Id | finmb_5546852 |
| Most Recent Quarter | 1,782,777,600 |
| Net Income To Common | 20,494,000 |
| Next Fiscal Year End | 1,798,675,200 |
| Non Diluted Market Cap | 112,789,096 |
| Number Of Analyst Opinions | 3 |
| Open | 8.68 |
| Operating Cashflow | 26,703,000 |
| Operating Margins | 0.52462 |
| Payout Ratio | 0.0 |
| Peg Ratio | 1.03 |
| Phone | 954 900 2800 |
| Post Market Change | 0.0 |
| Post Market Change Percent | 0.0 |
| Post Market Price | 8.79 |
| Post Market Time | 1,791,930,088 |
| Previous Close | 8.63 |
| Price Eps Current Year | 7.17551 |
| Price Hint | 2 |
| Price To Book | 1.5568545 |
| Price To Sales Trailing12 Months | 1.9513973 |
| Profit Margins | 0.36022 |
| Quote Source Name | Delayed Quote |
| Quote Type | EQUITY |
| Recommendation Key | none |
| Region | US |
| Regular Market Change | 0.16 |
| Regular Market Change Percent | 1.854 |
| Regular Market Day High | 8.885 |
| Regular Market Day Low | 8.525 |
| Regular Market Day Range | 8.525 - 8.885 |
| Regular Market Open | 8.68 |
| Regular Market Previous Close | 8.63 |
| Regular Market Price | 8.79 |
| Regular Market Time | 1,791,921,600 |
| Regular Market Volume | 106,712 |
| Return On Assets | 0.01708 |
| Return On Equity | 0.1668 |
| Revenue Growth | 0.56 |
| Revenue Per Share | 4.388 |
| Sand P52 Week Change | 0.17502642 |
| Sector | Financial Services |
| Sector Disp | Financial Services |
| Sector Key | financial-services |
| Shares Outstanding | 12,630,358 |
| Shares Percent Shares Out | 0.0082 |
| Shares Short | 103,689 |
| Shares Short Previous Month Date | 1,788,134,400 |
| Shares Short Prior Month | 41,341 |
| Short Name | OptimumBank Holdings, Inc. |
| Short Percent Of Float | 0.01 |
| Short Ratio | 1.14 |
| Source Interval | 15 |
| State | FL |
| Symbol | OPHC |
| Target High Price | 11.25 |
| Target Low Price | 10.5 |
| Target Mean Price | 10.91667 |
| Target Median Price | 11.0 |
| Total Cash | 146,238,000 |
| Total Cash Per Share | 6.073 |
| Total Debt | 41,547,000 |
| Total Revenue | 56,893,000 |
| Tradeable | 0 |
| Trailing Annual Dividend Rate | 0.0 |
| Trailing Annual Dividend Yield | 0.0 |
| Trailing Eps | 0.87 |
| Trailing P E | 10.103448 |
| Trailing Peg Ratio | None |
| Triggerable | 1 |
| Two Hundred Day Average | 6.2993 |
| Two Hundred Day Average Change | 2.4906998 |
| Two Hundred Day Average Change Percent | 0.3953931 |
| Type Disp | Equity |
| Volume | 106,712 |
| Website | https://www.optimumbank.com |
| Zip | 33,308 |