OptimumBank Holdings, Inc. (OPHC)

Heartland Financial USA Ratios and Metrics

Market cap in millions USD. Fiscal year is January - December.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Aug 1, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Market Capitalization	53	48	30	28	19	10
Market Cap Growth	20.04%	58.41%	9.52%	48.90%	86.92%	86.16%
Last Close Price	4.52	4.76	4.18	4.09	3.93	3.37
PE Ratio	3.39	3.66	4.83	6.88	2.95	-
PS Ratio	1.18	1.30	1.31	1.81	1.86	2.33
PB Ratio	0.49	0.47	0.43	0.44	0.48	0.56
P/FCF Ratio	3.50	3.29	4.88	2.76	5.50	-
P/OCF Ratio	3.28	3.08	4.41	2.67	4.94	-
Debt / Equity Ratio	0.12	0.51	1.11	0.20	0.51	1.46
Debt / FCF Ratio	0.84	3.61	12.53	1.21	5.85	-
Return on Equity (ROE)	15.30%	15.16%	9.48%	7.96%	22.35%	-6.25%
Return on Assets (ROA)	1.52%	1.52%	0.91%	0.86%	2.15%	-0.43%
Earnings Yield	27.52%	27.32%	20.72%	14.53%	33.87%	-7.86%
FCF Yield	28.59%	30.43%	20.50%	36.26%	18.19%	-16.67%
Buyback Yield / Dilution	-49.66%	-36.00%	-21.56%	-52.72%	-32.88%	-54.28%

Updated Feb 26, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q