OptimumBank Holdings, Inc.
General ticker "OPHC" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $50.8M (TTM average)
OptimumBank Holdings, Inc. follows the US Stock Market performance with the rate: 23.4%.
Estimated limits based on current volatility of 0.9%: low 5.34$, high 5.44$
Factors to consider:
- Total employees count: 73 (+21.7%) as of 2024
- Top business risk factors: Liquidity and credit risks, Interest rate changes reducing margins, Market competition, Regulatory and compliance, Inflation impact
- Earnings for 12 months up through Q4 are below our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2024-12-31 to 2026-12-31
- 2024-12-31 to 2025-12-31 estimated range: [4.64$, 6.60$]
- 2025-12-31 to 2026-12-31 estimated range: [4.86$, 6.97$]
Financial Metrics affecting the OPHC estimates:
- Positive: with PPE of 3.6 at the end of fiscal year the price was very low
- Positive: Operating cash flow per share per price, % of 34.59 > 12.96
- Positive: Operating profit margin, % of 27.44 > 18.52
- Negative: Shareholder equity ratio, % of 11.06 <= 19.49
- Positive: Industry earnings per price (median), % of 6.46 > 4.54
- Positive: Industry operating cash flow per share per price (median), % of 10.66 > 10.31
- Positive: Inventory ratio change, % of 0 <= 0
Short-term OPHC quotes
Long-term OPHC plot with estimates
Financial data
| YTD | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating Revenue | $39.23MM | $64.25MM | $71.13MM |
| Operating Expenses | $30.77MM | $46.62MM | $48.96MM |
| Operating Income | $8.46MM | $17.63MM | $22.17MM |
| Interest Expense | $12.07MM | $24.94MM | $21.77MM |
| Income(Loss) | $8.46MM | $17.63MM | $22.17MM |
| Taxes | $2.17MM | $4.51MM | $5.52MM |
| Profit(Loss)* | $6.28MM | $13.12MM | $16.65MM |
| Stockholders Equity | $70.01MM | $103.18MM | $121.90MM |
| Assets | $791.25MM | $932.93MM | $1,111.68MM |
| Operating Cash Flow | $6.88MM | $15.61MM | $17.84MM |
| Capital expenditure | $0.67MM | $0.99MM | $0.90MM |
| Investing Cash Flow | $-199.66MM | $-125.47MM | $-156.68MM |
| Financing Cash Flow | $197.61MM | $126.83MM | $159.77MM |
| Earnings Per Share** | $0.87 | $1.39 | $1.42 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.