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OptimumBank Holdings, Inc. OPHC

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Price alert · OPHC

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9.15 USD +0.03 +0.33%

At close · Oct 30

8.90 -0.25 -2.73%

After hours · Oct 30, 6:47 PM ET

Bid
9.06 × 200
Ask
9.23 × 400
8.92 Day range 9.24
3.95 52-week range 10.10
YTD
+115.29%
1 year
+124.26%
Open
9.16
Prev close
9.12
Mkt cap
115.57M
Vol
60.59K
Avg vol
116.34K
EPS
0.87
P/E
10.52
Div yield
0.00%
More statistics
Low
8.92
High
9.24
Forward P/E
0.00
Beta
0.00
Short ratio
0.22
Inst. own
11.39%
Dividend
0.00
Ex-div date
50-d avg
4.85
200-d avg
4.52
1y target
5.25

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Financial health

Altman Z-Score

0.24 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A+4 / 5 overall

  • DCF 4
  • Return on Equity 4
  • Return on Assets 4
  • Debt / Equity 4
  • P/E 4
  • P/B 4

Valuation

P/E 3.0×
FY 2016: -9.9×FY 2017: -8.9×FY 2018: 5.7×FY 2019: -4.8×FY 2020: -12.5×FY 2021: 2.4×FY 2022: 6.0×FY 2023: 4.8×FY 2024: 3.4×FY 2025: 3.0×
FY 2016 5y median 3.4× FY 2025
P/S 0.7×
FY 2016: 0.9×FY 2017: 1.1×FY 2018: 1.0×FY 2019: 1.0×FY 2020: 1.4×FY 2021: 1.3×FY 2022: 1.1×FY 2023: 0.8×FY 2024: 0.7×FY 2025: 0.7×
FY 2016 5y median 0.8× FY 2025
P/B 0.4×
FY 2016: 1.3×FY 2017: 2.0×FY 2018: 0.8×FY 2019: 0.7×FY 2020: 0.6×FY 2021: 0.4×FY 2022: 0.4×FY 2023: 0.4×FY 2024: 0.4×FY 2025: 0.4×
FY 2016 5y median 0.4× FY 2025
P/FCF 2.9×
FY 2016: 8.7×FY 2017: 10.9×FY 2018: -21.3×FY 2019: -4.9×FY 2020: -6.0×FY 2021: 4.5×FY 2022: 2.4×FY 2023: 4.9×FY 2024: 3.1×FY 2025: 2.9×
FY 2016 5y median 3.1× FY 2025
EV/EBITDA -0.5×
FY 2016: -62.3×FY 2017: -43.6×FY 2018: 27.5×FY 2019: -14.6×FY 2020: 41.2×FY 2021: -1.7×FY 2022: -4.2×FY 2023: 8.9×FY 2024: 3.0×FY 2025: -0.5×
FY 2016 5y median -0.5× FY 2025
EV/Sales -0.2×
FY 2016: 3.2×FY 2017: 4.0×FY 2018: 6.0×FY 2019: 2.4×FY 2020: -2.7×FY 2021: -0.5×FY 2022: -1.1×FY 2023: 2.0×FY 2024: 0.8×FY 2025: -0.2×
FY 2016 5y median -0.2× FY 2025
FCF Yield 33.9%
FY 2016: 11.4%FY 2017: 9.2%FY 2018: -4.7%FY 2019: -20.3%FY 2020: -16.8%FY 2021: 22.1%FY 2022: 41.2%FY 2023: 20.5%FY 2024: 32.5%FY 2025: 33.9%
FY 2016 5y median 32.5% FY 2025

Profitability

Gross Margin 66.5%
FY 2016: 76.6%FY 2017: 74.9%FY 2018: 111.6%FY 2019: 63.3%FY 2020: 60.9%FY 2021: 81.7%FY 2022: 67.1%FY 2023: 58.9%FY 2024: 57.7%FY 2025: 66.5%
FY 2016 5y median 66.5% FY 2025
Operating Margin 31.2%
FY 2016: -8.6%FY 2017: -12.4%FY 2018: 18.2%FY 2019: -21.5%FY 2020: -11.2%FY 2021: 26.0%FY 2022: 23.6%FY 2023: 21.6%FY 2024: 27.4%FY 2025: 31.2%
FY 2016 5y median 26.0% FY 2025
Net Margin 23.4%
FY 2016: -8.6%FY 2017: -12.4%FY 2018: 18.2%FY 2019: -20.5%FY 2020: -11.2%FY 2021: 53.3%FY 2022: 17.6%FY 2023: 16.0%FY 2024: 20.4%FY 2025: 23.4%
FY 2016 5y median 20.4% FY 2025
ROE 13.7%
FY 2016: -12.9%FY 2017: -23.1%FY 2018: 15.0%FY 2019: -15.3%FY 2020: -4.4%FY 2021: 16.3%FY 2022: 6.4%FY 2023: 9.0%FY 2024: 12.7%FY 2025: 13.7%
FY 2016 5y median 12.7% FY 2025
ROIC 9.3%
FY 2016: -1.2%FY 2017: -1.9%FY 2018: 2.1%FY 2019: -4.3%FY 2020: -1.8%FY 2021: 5.2%FY 2022: 5.2%FY 2023: 4.1%FY 2024: 8.2%FY 2025: 9.3%
FY 2016 5y median 5.2% FY 2025
ROA 1.5%
FY 2016: -0.3%FY 2017: -0.6%FY 2018: 0.8%FY 2019: -0.9%FY 2020: -0.3%FY 2021: 1.8%FY 2022: 0.7%FY 2023: 0.8%FY 2024: 1.4%FY 2025: 1.5%
FY 2016 5y median 1.4% FY 2025

Growth (YoY)

Revenue 10.7%
FY 2016: -6.6%FY 2017: 3.2%FY 2018: -8.2%FY 2019: 22.4%FY 2020: 30.8%FY 2021: 68.8%FY 2022: 93.2%FY 2023: 71.8%FY 2024: 63.8%FY 2025: 10.7%
FY 2016 FY 2025
Operating Income 25.8%
FY 2016: 18.0%FY 2017: -48.7%FY 2018: 235.1%FY 2019: -244.7%FY 2020: 32.1%FY 2021: 492.5%FY 2022: 75.7%FY 2023: 56.8%FY 2024: 108.5%FY 2025: 25.8%
FY 2016 FY 2025
EPS (diluted) 2.3%
FY 2016: -123.5%FY 2017: -39.5%FY 2018: 200.0%FY 2019: -209.4%FY 2020: 53.4%FY 2021: 696.3%FY 2022: -57.8%FY 2023: 27.9%FY 2024: 52.9%FY 2025: 2.3%
FY 2016 FY 2025
Free Cash Flow 15.9%
FY 2016: -25.4%FY 2017: 5.8%FY 2018: -144.1%FY 2019: -408.1%FY 2020: -55.4%FY 2021: 304.0%FY 2022: 196.8%FY 2023: -38.1%FY 2024: 135.2%FY 2025: 15.9%
FY 2016 FY 2025

Financial Health

Current Ratio 0.1×
FY 2016: 0.3×FY 2017: 0.3×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.4×FY 2021: 0.3×FY 2022: 0.2×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025
Quick Ratio 0.1×
FY 2016: 0.3×FY 2017: 0.3×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.4×FY 2021: 0.3×FY 2022: 0.2×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025
Debt / Equity 0.4×
FY 2016: 9.3×FY 2017: 10.1×FY 2018: 5.6×FY 2019: 2.3×FY 2020: 1.5×FY 2021: 1.0×FY 2022: 0.4×FY 2023: 1.8×FY 2024: 1.0×FY 2025: 0.4×
FY 2016 5y median 1.0× FY 2025
Net Debt / EBITDA -2.7×
FY 2016: -45.9×FY 2017: -31.8×FY 2018: 22.8×FY 2019: -8.7×FY 2020: 62.9×FY 2021: -6.3×FY 2022: -8.3×FY 2023: 5.5×FY 2024: 0.5×FY 2025: -2.7×
FY 2016 5y median -2.7× FY 2025
Interest Coverage 1.0×
FY 2016: -0.4×FY 2017: -0.5×FY 2018: 0.6×FY 2019: -0.6×FY 2020: -0.5×FY 2021: 3.1×FY 2022: 1.3×FY 2023: 0.7×FY 2024: 0.7×FY 2025: 1.0×
FY 2016 5y median 1.0× FY 2025

Dividends

Dividend Yield 0.0%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2016 5y median 0.0% FY 2025
Payout Ratio 0.0%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2016 5y median 0.0% FY 2025

Annual · latest fiscal year ends 2025-12-31