OptimumBank Holdings, Inc. (OPHC)

OptimumBank Holdings Statistics

Total Valuation

OPHC has a market cap or net worth of $67.04 million. The enterprise value is -$30.33 million.

Market Cap	67.04M
Enterprise Value	-30.33M

Important Dates

The last earnings date was Friday, April 24, 2026, before market open.

Earnings Date	Apr 24, 2026
Ex-Dividend Date	n/a

Share Statistics

OPHC has 12.17 million shares outstanding. The number of shares has increased by 114.26% in one year.

Current Share Class	12.17M
Shares Outstanding	12.17M
Shares Change (YoY)	+114.26%
Shares Change (QoQ)	+0.89%
Owned by Insiders (%)	19.01%
Owned by Institutions (%)	13.52%
Float	9.48M

Valuation Ratios

The trailing PE ratio is 7.45 and the forward PE ratio is 6.38.

PE Ratio	7.45
Forward PE	6.38
PS Ratio	1.32
Forward PS	n/a
PB Ratio	0.53
P/TBV Ratio	0.53
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 14.85%.

Return on Equity (ROE)	14.85%
Return on Assets (ROA)	1.55%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	3.72%
Revenue Per Employee	$517,367
Profits Per Employee	$177,969
Employee Count	98
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, OPHC has paid $5.73 million in taxes.

Income Tax	5.73M
Effective Tax Rate	24.74%

Stock Price Statistics

The stock price has increased by +16.11% in the last 52 weeks. The beta is 0.33, so OPHC's price volatility has been lower than the market average.

Beta (5Y)	0.33
52-Week Price Change	+16.11%
50-Day Moving Average	5.36
200-Day Moving Average	4.62
Relative Strength Index (RSI)	56.24
Average Volume (20 Days)	47,118

Short Selling Information

The latest short interest is 29,501, so 0.24% of the outstanding shares have been sold short.

Short Interest	29,501
Short Previous Month	22,615
Short % of Shares Out	0.24%
Short % of Float	0.31%
Short Ratio (days to cover)	0.39

Income Statement

In the last 12 months, OPHC had revenue of $50.70 million and earned $17.44 million in profits. Earnings per share was $0.74.

Revenue	50.70M
Gross Profit	50.70M
Operating Income	23.84M
Pretax Income	23.17M
Net Income	17.44M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$0.74

Balance Sheet

The company has $140.02 million in cash and $42.65 million in debt, with a net cash position of $97.37 million or $8.00 per share.

Cash & Cash Equivalents	140.02M
Total Debt	42.65M
Net Cash	97.37M
Net Cash Per Share	$8.00
Equity (Book Value)	126.85M
Book Value Per Share	10.43
Working Capital	-948.87M

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Depreciation & Amortization	n/a
Net Borrowing	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	47.02%
Pretax Margin	45.70%
Profit Margin	34.40%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

OPHC does not appear to pay any dividends at this time.

Dividend Per Share	n/a
Dividend Yield	n/a
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	n/a
Buyback Yield	-114.26%
Shareholder Yield	-114.26%
Earnings Yield	26.02%
FCF Yield	n/a

Analyst Forecast

The average price target for OPHC is $6.50, which is 17.97% higher than the current price. The consensus rating is "Strong Buy".

Price Target	$6.50
Price Target Difference	17.97%
Analyst Consensus	Strong Buy
Analyst Count	1
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on January 12, 2016. It was a reverse split with a ratio of 1:10.

Last Split Date	Jan 12, 2016
Split Type	Reverse
Split Ratio	1:10

Scores

Altman Z-Score	n/a
Piotroski F-Score	2