Financial Services
OptimumBank Holdings, Inc.(OPHC)
Live Price
Offline$5.79
-0.17% today
1Y Change
+31.29%
Window
Jun 25, 2025 โ Jun 17, 2026
- Market Cap
- $70.00M
- Revenue Growth
- +10.7%
- EPS Growth
- +2.2%
- Dividend Yield
- 0.0%
Coverage: 246 bars ยท Jun 25, 2025 โ Jun 17, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
OptimumBank Holdings, Inc. (OPHC) is a Financial Services stock with a market cap of $70.00M and listed on AMEX. The stock last traded around $5.79 and up 31.3% across the available one-year price window (Jun 25, 2025 โ Jun 17, 2026). Baseline metrics include revenue growth of +10.7%, EPS growth of +2.2%, a dividend yield of 0.0%. What stands out right now is revenue +10.7%, EPS +2.2%, free cash flow +15.9% with operating margin 30.4% and ROIC 10.5%. Valuation is more restrained than many high-expectation growth names at P/E 3.8 and price/sales 0.9. Stock Foundry combines OPHC price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Above sector median
+10.7% vs +3.4% peer median
Operating Margin
Above sector median
+30.4% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report is on the board
2026 was reported on May 11, 2026, but the surprise data is still limited.
The operating story is still moving forward
Revenue is running at +10.7% and EPS at +2.2%, with operating margin around 30.4%.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged +2.9% over the next 5 trading days and finished higher after 2 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS ฮ | 1D | 5D | 20D |
|---|---|---|---|---|
2026 May 11, 2026 | โ | -0.2% | -1.1% | -0.2% |
2026 Feb 2, 2026 | +840.7% | +0.0% | +6.2% | +11.1% |
2025 Nov 10, 2025 | โ | +2.0% | +3.5% | +5.2% |
Benchmark Edge
OPHC vs SPY, QQQ, and Sector ETFs
Normalized return, excess return, max drawdown, and calendar-year wins against the benchmarks investors actually use.
OPHC
โ
Normalized return
SPY
--
S&P 500
Excess Return
--
Relative to SPY
OPHC Max Drawdown
-16.09%
Trailing 1Y
SPY Max Drawdown
โ
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for OPHC and SPY.
Company Overview
OptimumBank Holdings, Inc.
New York Stock Exchange American
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; and offers residential and commercial real estate, multi-family real estate, commercial, land and construction, and consumer loans, as well as lending lines for working capital needs. The company also 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. It operates through two banking offices located in Broward County, Florida. The company was founded in 2000 and is based in Fort Lauderdale, Florida.
- Leadership
- Timothy L. Terry
- IPO Date
- Jun 23, 2003
- Employees
- 73
- Street Address
- 2929 East Commercial Boulevard
- Mailing
- Fort Lauderdale, FL, 33308
- Region
- Fort Lauderdale, FL, US
- Reporting Currency
- USD
- Investor Line
- 954 900 2800
- Last Updated
- May 3, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 3.8
- EV/EBITDA
- โ
- Price/Sales
- 0.9
- Price/Book
- 0.5
Growth
- Revenue
- +10.7%
- EPS
- +2.2%
- Free Cash Flow
- +15.9%
Profitability
- Gross Margin
- 66.6%
- Operating Margin
- 30.4%
- Net Margin
- 22.9%
- ROE
- 14.6%
- ROIC
- 10.5%
Balance Sheet
- Debt/Equity
- 0.32
- Current Ratio
- 1.07
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.