OPHC - OptimumBank Holdings Inc Stock Price, Fair Value and News

4.25USD+0.07 (+1.67%)Market Closed

Market Summary

USD4.25+0.07

Market Closed

1.67%

OPHC Stock Price

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OPHC RSI Chart

OPHC Valuation

Market Cap

33.4M

Price/Earnings (Trailing)

5.32

Price/Sales (Trailing)

0.93

EV/EBITDA

1.03

Price/Free Cashflow

5.38

OPHC Price/Sales (Trailing)

OPHC Profitability

EBT Margin

23.64%

Return on Equity

8.97%

Return on Assets

0.79%

Free Cashflow Yield

18.58%

OPHC Fundamentals

OPHC Revenue

Revenue (TTM)

35.8M

Rev. Growth (Yr)

62.07%

Rev. Growth (Qtr)

25.62%

OPHC Earnings

Earnings (TTM)

6.3M

Earnings Growth (Yr)

64.45%

Earnings Growth (Qtr)

100.87%

Breaking Down OPHC Revenue

Last 7 days

1.0%

Last 30 days

-2.1%

Last 90 days

-8.4%

Trailing 12 Months

38.9%

How does OPHC drawdown profile look like?

OPHC Financial Health

OPHC Investor Care

Shares Dilution (1Y)

7.12%

Diluted EPS (TTM)

0.95

Historical Charts for Stock Metrics

Get all data in R, Python etc through our Historical Stock Data APIs

Net sales

Year	Q1	Q2	Q3	Q4
2023	23.9M	28.1M	31.5M	35.8M
2022	11.9M	13.6M	16.1M	19.9M
2021	7.2M	7.8M	9.0M	10.4M
2020	5.5M	5.9M	6.4M	6.7M
2019	4.5M	4.7M	4.8M	5.2M
2018	4.5M	4.5M	4.4M	4.3M
2017	4.8M	4.7M	4.6M	4.7M
2016	4.6M	4.7M	4.8M	4.8M
2015	5.2M	4.5M	4.5M	4.5M
2014	5.2M	5.8M	5.7M	5.4M
2013	5.2M	5.1M	5.1M	5.3M
2012	5.9M	5.5M	5.2M	5.2M
2011	8.2M	7.6M	7.0M	6.4M
2010	0	0	0	8.8M

Get all data in R, Python etc through our Historical Stock Data APIs

Tracking the Latest Insider Buys and Sells of OptimumBank Holdings Inc

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
Nov 14, 2023	terry timothy	sold	-27,514	3.22	-8,545	peo
Nov 13, 2023	terry timothy	sold	-41,155	3.2	-12,861	peo
Nov 10, 2023	terry timothy	sold	-140	3.2	-44.00	peo
Jul 03, 2023	gubin moishe	bought	4,542	3.00	1,514	-
Jun 12, 2023	terry timothy	sold	-14,220	3.16	-4,500	peo
Jun 05, 2023	terry timothy	sold	-1,525	3.05	-500	peo
Apr 17, 2023	gubin moishe	bought	341	3.28	104	-
Apr 11, 2023	gubin moishe	bought	22,140	3.30448	6,700	-
Jul 23, 2021	chan heng fai ambrose	bought	-	-	282,377	-
Mar 31, 2021	chan heng fai ambrose	bought	-	-	282,377	-

Which funds bought or sold OPHC recently?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
Mar 11, 2024	VANGUARD GROUP INC	added	14.44	158,071	471,335	-%
Feb 14, 2024	ALLIANCEBERNSTEIN L.P.	added	564	777,088	877,538	-%
Feb 14, 2024	SUSQUEHANNA INTERNATIONAL GROUP, LLP	sold off	-100	-53,348	-	-%
Feb 14, 2024	BHZ CAPITAL MANAGEMENT, LP	unchanged	-	42,340	176,865	0.09%
Feb 14, 2024	BANK OF AMERICA CORP /DE/	new	-	13.00	13.00	-%
Feb 13, 2024	RENAISSANCE TECHNOLOGIES LLC	added	1.35	44,000	176,000	-%
Feb 13, 2024	GEODE CAPITAL MANAGEMENT, LLC	added	261	123,897	157,060	-%
Feb 13, 2024	Tower Research Capital LLC (TRC)	reduced	-29.27	-686	9,083	-%
Feb 13, 2024	MORGAN STANLEY	unchanged	-	100,110	418,180	-%
Feb 09, 2024	WELLS FARGO & COMPANY/MN	added	5.13	47.00	171	-%

Are Funds Buying or Selling OPHC?

Are funds buying OPHC calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own OPHC

No. of Funds

Unveiling OptimumBank Holdings Inc's Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Aug 03, 2021	chan heng fai ambrose	9.0%	375,357	SC 13D/A

Recent SEC filings of OptimumBank Holdings Inc

View All Filings

Date Filed	Form Type	Document
Apr 26, 2024	S-3	S-3
Apr 22, 2024	8-K	Current Report
Mar 28, 2024	8-K	Current Report
Mar 19, 2024	DEF 14C	DEF 14C
Mar 08, 2024	10-K	Annual Report
Mar 07, 2024	PRE 14C	PRE 14C
Feb 06, 2024	8-K	Current Report
Feb 05, 2024	8-K	Current Report
Jan 18, 2024	4	Insider Trading

Peers (Alternatives to OptimumBank Holdings Inc)

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
JPM	557.3B	171.1B	-3.02%	41.18%	11.25	3.26	60.72%	31.52%
BAC	297.7B	130.3B	-	30.88%	11.23	2.29	79.51%	-3.68%
WFC	214.3B	85.7B	3.98%	51.03%	11.19	2.5	41.49%	39.96%
C	119.7B	133.3B	-0.18%	34.65%	12.97	0.9	79.09%	-
CFG	16.1B	10.2B	-1.93%	16.75%	10.02	1.58	44.53%	-22.43%
KEY	13.7B	7.9B	-6.07%	34.16%	14.19	1.73	46.47%	-49.56%
MID-CAP
CMA	6.9B	4.2B	-4.02%	25.94%	9.92	1.62	34.68%	-45.96%
ZION	6.2B	3.9B	-3.20%	57.15%	9.1	1.57	45.91%	-25.03%
ABCB	3.3B	1.3B	-0.60%	41.74%	12.27	2.58	43.24%	-22.35%
ASB	3.3B	2.0B	1.46%	20.10%	17.81	1.66	70.97%	-50.03%
SMALL-CAP
AMNB	497.6M	120.2M	6.68%	49.76%	19.02	4.14	45.65%	-13.98%
ALRS	400.7M	164.9M	-6.54%	37.44%	34.26	2.43	42.66%	-70.76%
AROW	378.6M	162.6M	-8.08%	4.96%	12.59	2.33	25.39%	-38.37%
ACNB	280.5M	96.6M	-10.60%	4.96%	8.85	2.9	11.02%	-11.37%
ASRV	45.1M	60.9M	-2.95%	-12.04%	-13.48	0.74	24.06%	-144.92%

OptimumBank Holdings Inc News

Latest updates

OptimumBank Holdings Inc Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Income Statement (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Revenue	25.6%	11,183	8,902	8,179	7,516	6,900	5,494	4,025	3,463	3,161	2,973	2,290	1,965	1,810	1,771	1,626	1,503	1,472	1,261	1,246	1,202	1,132
EBITDA Margin	0.2%	0.91*	0.90*	0.93*	0.99*	1.08*	1.18*	1.29*	1.26*	1.22*	1.13*	0.95*	0.80*	0.65*	-	-	-	-	-	-	-	-
Interest Expenses	20.9%	7,148	5,914	5,592	5,059	4,551	4,305	3,753	3,227	2,897	2,765	2,056	1,686	1,459	1,385	1,150	996	904	723	753	749	753
Income Taxes	90.8%	876	459	446	393	528	230	321	290	-	-	-	-	-	-	-	-	-	-	-	-52.00	-
Earnings Before Taxes	98.2%	3,425	1,728	1,758	1,546	2,078	903	1,266	1,145	1,360	917	444	348	369	-496	-347	-308	-244	-280	-430	-198	-621
EBT Margin	4.7%	0.24*	0.23*	0.22*	0.24*	0.27*	0.29*	0.34*	0.33*	0.30*	0.23*	0.08*	-0.02*	-0.12*	-	-	-	-	-	-	-	-
Net Income	100.9%	2,549	1,269	1,312	1,153	1,550	673	945	855	4,587	917	444	348	369	-496	-347	-308	-244	-280	-430	-146	432
Net Income Margin	4.7%	0.18*	0.17*	0.17*	0.18*	0.20*	0.44*	0.54*	0.57*	0.61*	0.23*	0.08*	-0.02*	-0.12*	-	-	-	-	-	-	-	-
Free Cashflow	-84.9%	160	1,062	5,203	-211	3,488	2,209	2,742	1,599	3,721	-1,593	1,053	201	552	-	-	-	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																					(In Millions)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Assets	10.9%	791	713	633	622	585	545	467	387	352	335	294	253	235	209	181	141	127	119	111	107	99.00
Cash Equivalents	-	-	-	-	-	-	-	-	-	-	-	-	-	0.00	-	-	-	0.00	-	-	-	0.00
Net PPE	9.9%	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	2.00	2.00	1.00	1.00	1.00	1.00	1.00	1.00	3.00	3.00	3.00	3.00
Liabilities	11.5%	721	647	567	557	523	494	419	338	313	302	265	231	217	195	171	134	120	115	106	102	94.00
Shareholder's Equity	5.7%	70.00	66.00	66.00	65.00	63.00	51.00	48.00	49.00	39.00	33.00	29.00	21.00	18.00	14.00	10.00	7.00	7.00	5.00	5.00	5.00	5.00
Retained Earnings	13.8%	-15.97	-18.52	-19.79	-21.10	-22.07	-23.62	-24.30	-25.24	-26.10	-30.68	-31.60	-32.04	-32.39	-32.76	-32.26	-31.92	-31.61	-31.37	-31.09	-30.66	-30.51
Additional Paid-In Capital	0%	91.00	91.00	91.00	91.00	90.00	81.00	77.00	77.00	65.00	64.00	61.00	54.00	50.00	47.00	42.00	40.00	39.00	36.00	36.00	36.00	36.00
Shares Outstanding	0%	7.00	7.00	7.00	7.00	7.00	7.00	6.00	6.00	5.00	5.00	4.00	3.00	-	-	-	-	-	-	-	-	-
Float	-	-	-	16.00	-	-	-	16.00	-	-	-	15.00	-	-	-	6.00	-	-	-	6.00	-	-

Cashflow (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Cashflow (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Cashflow From Operations	-71.9%	339	1,208	5,306	29.00	3,609	2,298	2,807	1,646	3,788	-1,517	1,242	250	587	-1,426	-587	-32.00	535	-657	-246	-190	-371
Share Based Compensation	-	-	-	-	490	1.00	275	-	96.00	-1.00	-	-	-	19.00	-	-	-	-	-	-	-	-
Cashflow From Investing	-80.4%	-100,881	-55,926	-22,835	-20,019	-43,072	-84,191	-77,227	-25,312	-39,963	-28,399	-21,461	-18,935	-17,273	-12,409	-28,152	-4,940	-8,108	-10,624	-6,073	-520	-752
Cashflow From Financing	-8.9%	73,207	80,343	9,244	34,812	37,506	78,417	79,497	36,888	11,562	39,352	40,672	17,750	26,044	29,158	39,799	14,926	8,107	7,364	5,077	6,286	3,059

OPHC Income Statement

2023-12-31

Consolidated Statements of Earnings - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Interest income:
Loans	$ 31,759	$ 17,952
Debt securities	686	649
Other	3,335	1,281
Total interest income	35,780	19,882
Interest expense:
Deposits	11,599	3,234
Borrowings	468	812
Total interest expense	12,067	4,046
Net interest income	23,713	15,836
Credit loss expense	4,047	3,466
Net interest income after credit loss expense	19,666	12,370
Noninterest income:
Service charges and fees	3,329	2,550
Other	123	410
Total noninterest income	3,452	2,960
Noninterest expenses:
Salaries and employee benefits	8,261	5,449
Professional fees	729	546
Occupancy and equipment	773	717
Data processing	1,699	1,227
Regulatory assessment	550	255
Litigation Settlement	375
Other	2,274	1,744
Total noninterest expenses	14,661	9,938
Net earnings before income taxes	8,457	5,392
Income taxes	2,174	1,369
Net earnings	$ 6,283	$ 4,023
Net earnings per share - Basic	$ 0.87	$ 0.68
Net earnings per share - Diluted	$ 0.87	$ 0.68

OPHC Balance Sheet

2023-12-31

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Assets:
Cash and due from banks	$ 14,009	$ 19,788
Interest-bearing deposits with banks	62,654	52,048
Total cash and cash equivalents	76,663	71,836
Debt securities available for sale	24,355	25,102
Debt securities held-to-maturity (fair value of $326 and $504)	360	540
Loans, net of allowance for credit losses of $7,683 and $5,793	671,094	477,218
Federal Home Loan Bank stock	3,354	600
Premises and equipment, net	1,375	934
Right-of-use lease assets	2,161	2,119
Accrued interest receivable	2,474	1,444
Deferred tax asset	2,903	3,836
Other assets	6,515	1,590
Total assets	791,254	585,219
Liabilities:
Noninterest-bearing demand deposits	194,892	159,193
Savings, NOW and money-market deposits	322,932	108,726
Time deposits	121,757	239,980
Total deposits	639,581	507,899
Federal Home Loan Bank advances	62,000	10,000
Federal Reserve Bank advances	13,600
Operating lease liabilities	2,248	2,172
Other liabilities	3,818	2,568
Total liabilities	721,247	522,639
Commitments and contingencies (Notes 8 and 14)
Stockholders’ equity:
Preferred stock, value
Common stock, $.01 par value; 30,000,000 and 10,000,000 shares authorized, 7,250,219 and 7,058,897 shares issued and outstanding	72	71
Additional paid-in capital	91,221	90,408
Accumulated deficit	(15,971)	(22,073)
Accumulated other comprehensive loss	(5,315)	(5,826)
Total stockholders’ equity	70,007	62,580
Total liabilities and stockholders’ equity	791,254	585,219
Series A Preferred Stock [Member]
Stockholders’ equity:
Preferred stock, value
Series B Preferred Stock [Member]
Stockholders’ equity:
Preferred stock, value

About OptimumBank Holdings Inc

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. The company also offers residential and commercial real estate, multi-family real estate, commercial, land and construction loans; commercial loans are generally used for working capital purposes or for 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, it 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. The company was founded in 2000 and is based in Fort Lauderdale, Florida.

WEBSITE	optimumbank.com
INDUSTRY	Banks Diversified
EMPLOYEES	48

OptimumBank Holdings Inc Frequently Asked Questions

What is the ticker symbol for OptimumBank Holdings Inc? What does OPHC stand for in stocks?

OPHC is the stock ticker symbol of OptimumBank Holdings Inc. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of OptimumBank Holdings Inc (OPHC)?

As of Fri Apr 26 2024, market cap of OptimumBank Holdings Inc is 33.44 Million. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of OPHC stock?

You can check OPHC's fair value in chart for subscribers.

What is the fair value of OPHC stock?

You can check OPHC's fair value in chart for subscribers. The fair value of OptimumBank Holdings Inc is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of OptimumBank Holdings Inc is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for OPHC so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is OptimumBank Holdings Inc a good stock to buy?

The fair value guage provides a quick view whether OPHC is over valued or under valued. Whether OptimumBank Holdings Inc is cheap or expensive depends on the assumptions which impact OptimumBank Holdings Inc's fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for OPHC.

What is OptimumBank Holdings Inc's Price to Earnings (PE) and Price to sales (PS) ratio?

As of Fri Apr 26 2024, OPHC's PE ratio (Price to Earnings) is 5.32 and Price to Sales (PS) ratio is 0.93. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. OPHC PE ratio will change depending on the future growth rate expectations of investors.

What is 5 year return on OptimumBank Holdings Inc's stock?

In the past 10 years, OptimumBank Holdings Inc has provided -0.099 (multiply by 100 for percentage) rate of return.