OPHC Stock Price, OptimumBank Holdings Inc Quote, Chart

Market Summary

USD4.40+0.10

Market Closed

2.33%

OPHC Stock Price

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OPHC RSI Chart

OPHC Valuation

Market Cap

42.4M

Price/Earnings (Trailing)

5.65

Price/Sales (Trailing)

1.02

EV/EBITDA

1.15

Price/Free Cashflow

4.87

OPHC Price/Sales (Trailing)

OPHC Profitability

EBT Margin

24.29%

Return on Equity

9.04%

Return on Assets

0.8%

Free Cashflow Yield

20.55%

OPHC Fundamentals

OPHC Revenue

Revenue (TTM)

41.7M

Rev. Growth (Yr)

79.15%

Rev. Growth (Qtr)

20.41%

OPHC Earnings

Earnings (TTM)

7.5M

Earnings Growth (Yr)

106.16%

Earnings Growth (Qtr)

-6.75%

Breaking Down OPHC Revenue

Last 7 days

2.3%

Last 30 days

5.3%

Last 90 days

7.1%

Trailing 12 Months

56.6%

How does OPHC drawdown profile look like?

OPHC Financial Health

OPHC Investor Care

Shares Dilution (1Y)

32.89%

Diluted EPS (TTM)

1.02

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
2024	41.7M	0	0	0
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
May 16, 2024	EJF Capital LLC	new	-	1,100,000	1,100,000	0.76%
May 15, 2024	Tower Research Capital LLC (TRC)	added	4.01	608	9,691	-%
May 15, 2024	BANK OF AMERICA CORP /DE/	sold off	-100	-13.00	-	-%
May 15, 2024	MORGAN STANLEY	unchanged	-	10,820	429,000	-%
May 14, 2024	ALLIANCEBERNSTEIN L.P.	added	0.07	23,371	900,909	-%
May 13, 2024	RENAISSANCE TECHNOLOGIES LLC	added	2.71	9,000	185,000	-%
May 13, 2024	GEODE CAPITAL MANAGEMENT, LLC	unchanged	-	5,301	162,361	-%
May 13, 2024	BHZ CAPITAL MANAGEMENT, LP	sold off	-100	-176,865	-	-%
May 10, 2024	VANGUARD GROUP INC	added	0.18	13,053	484,388	-%
May 10, 2024	DIMENSIONAL FUND ADVISORS LP	unchanged	-	2,402	73,591	-%

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
May 16, 2024	8-K	Current Report
May 13, 2024	10-Q	Quarterly Report
May 06, 2024	8-K	Current Report
May 03, 2024	DEFR14A	DEFR14A
May 02, 2024	DEFR14A	DEFR14A
Apr 30, 2024	DEF 14A	DEF 14A
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

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	588.1B	174.7B	13.73%	46.82%	11.68	3.37	53.11%	19.83%
BAC	307.4B	137.9B	11.58%	38.08%	12.28	2.23	56.12%	-12.56%
WFC	213.0B	85.8B	6.86%	51.95%	11.35	2.48	35.02%	26.14%
C	122.2B	125.0B	10.16%	38.13%	15.29	0.98	37.85%	-
CFG	16.9B	10.4B	12.51%	41.04%	11.81	1.62	26.22%	-33.87%
KEY	14.5B	8.1B	6.72%	53.23%	16.61	1.78	32.15%	-50.93%
MID-CAP
CMA	7.3B	4.2B	10.08%	41.38%	10.46	1.71	34.68%	-45.96%
ZION	6.6B	4.1B	14.23%	65.05%	10.55	1.63	32.93%	-30.73%
ABCB	3.5B	1.3B	13.35%	57.95%	12.32	2.65	30.60%	-12.99%
ASB	3.4B	2.0B	11.57%	43.03%	20.88	1.65	47.11%	-59.32%
SMALL-CAP
AMNB	497.6M	120.2M	6.68%	49.76%	19.02	4.14	45.65%	-13.98%
AROW	417.1M	173.1M	15.06%	27.00%	14.3	2.41	26.54%	-34.86%
ALRS	390.4M	152.4M	-0.90%	32.84%	39.27	2.56	16.94%	-73.84%
ACNB	295.5M	98.7M	10.19%	20.01%	10.04	2.99	6.27%	-22.90%
ASRV	48.0M	62.5M	8.95%	-1.75%	-16.24	0.77	18.83%	-145.18%

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	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Revenue	20.4%	13,465	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
EBITDA Margin	-2.7%	0.88*	0.91*	0.90*	0.93*	0.99*	1.08*	1.18*	1.29*	1.26*	1.22*	1.13*	0.95*	-	-	-	-	-	-	-	-	-
Interest Expenses	8.4%	7,751	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
Income Taxes	-3.3%	847	876	459	446	393	528	230	321	290	-	-	-	-	-	-	-	-	-	-	-	-52.00
Earnings Before Taxes	-5.9%	3,224	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
EBT Margin	2.8%	0.24*	0.24*	0.23*	0.22*	0.24*	0.27*	0.29*	0.34*	0.33*	0.30*	0.23*	0.08*	-	-	-	-	-	-	-	-	-
Net Income	-6.7%	2,377	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
Net Income Margin	2.4%	0.18*	0.18*	0.17*	0.17*	0.18*	0.20*	0.44*	0.54*	0.57*	0.61*	0.23*	0.08*	-	-	-	-	-	-	-	-	-
Free Cashflow	1328.1%	2,285	160	1,062	5,203	-211	3,488	2,209	2,742	1,599	3,721	-1,593	1,053	-	-	-	-	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																					(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Assets	18.9%	941	791	713	633	622	585	545	467	387	352	335	294	253	235	209	181	141	127	119	111	107
Cash Equivalents	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0.00	-	-	-	0.00	-	-	-
Net PPE	14.8%	2.00	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
Liabilities	18.9%	858	721	647	567	557	523	494	419	338	313	302	265	231	217	195	171	134	120	115	106	102
Shareholder's Equity	18.6%	83.00	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
Retained Earnings	14.9%	-13.59	-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
Additional Paid-In Capital	12.1%	102	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
Shares Outstanding	32.9%	10.00	7.00	7.00	7.00	7.00	7.00	7.00	6.00	6.00	5.00	5.00	4.00	-	-	-	-	-	-	-	-	-
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	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Cashflow From Operations	650.4%	2,544	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
Share Based Compensation	-	307	-	-	-	490	1.00	275	-	96.00	-1.00	-	-	-	19.00	-	-	-	-	-	-	-
Cashflow From Investing	25.2%	-75,418	-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
Cashflow From Financing	101.2%	147,318	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

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OPHC Income Statement

2024-03-31

Condensed Consolidated Statements of Earnings (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Interest income:
Loans	$ 11,836	$ 6,589
Debt securities	170	178
Other	1,459	749
Total interest income	13,465	7,516
Interest expense:
Deposits	5,077	2,432
Borrowings	637	25
Total interest expense	5,714	2,457
Net interest income	7,751	5,059
Credit loss expense	1,057	820
Net interest income after credit loss expense	6,694	4,239
Noninterest income:
Service charges and fees	968	719
Other	271	10
Total noninterest income	1,239	729
Noninterest expenses:
Salaries and employee benefits	2,849	1,966
Professional fees	195	197
Occupancy and equipment	205	189
Data processing	554	366
Regulatory assessment	123	209
Other	783	495
Total noninterest expenses	4,709	3,422
Net earnings before income taxes	3,224	1,546
Income taxes	847	393
Net earnings	$ 2,377	$ 1,153
Net earnings per share - Basic	$ 0.31	$ 0.16
Net earnings per share - Diluted	$ 0.31	$ 0.16

OPHC Balance Sheet

2024-03-31

Condensed Consolidated Balance Sheets - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Assets:
Cash and due from banks	$ 14,034	$ 14,009
Interest-bearing deposits with banks	137,073	62,654
Total cash and cash equivalents	151,107	76,663
Debt securities available for sale	23,580	24,355
Debt securities held-to-maturity (fair value of $297 and $326)	336	360
Loans, net of allowance for credit losses of $8,281 and $7,683	746,370	671,094
Federal Home Loan Bank stock	2,454	3,354
Premises and equipment, net	1,579	1,375
Right-of-use lease assets	2,091	2,161
Accrued interest receivable	2,990	2,474
Deferred tax asset	3,109	2,903
Other assets	7,017	6,515
Total assets	940,633	791,254
Liabilities:
Noninterest-bearing demand deposits	217,940	194,892
Savings, NOW and money-market deposits	318,511	322,932
Time deposits	261,958	121,757
Total deposits	798,409	639,581
Federal Home Loan Bank advances	40,000	62,000
Federal Reserve Bank advances	13,355	13,600
Operating lease liabilities	2,185	2,248
Other liabilities	3,640	3,818
Total liabilities	857,589	721,247
Commitments and contingencies (Notes 8 and 11)
Stockholders’ equity:
Preferred stock, value
Common stock, $.01 par value; 30,000,000 shares authorized, 9,634,821 and 7,250,218 shares issued and outstanding	96	72
Additional paid-in capital	102,239	91,221
Accumulated deficit	(13,594)	(15,971)
Accumulated other comprehensive loss	(5,697)	(5,315)
Total stockholders’ equity	83,044	70,007
Total liabilities and stockholders’ equity	940,633	791,254
Series A Preferred Stock [Member]
Stockholders’ equity:
Preferred stock, value
Series B Preferred Stock [Member]
Stockholders’ equity:
Preferred stock, value
Series C 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 May 17 2024, market cap of OptimumBank Holdings Inc is 42.39 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 May 17 2024, OPHC's PE ratio (Price to Earnings) is 5.65 and Price to Sales (PS) ratio is 1.02. 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 -0.103 (multiply by 100 for percentage) rate of return.