OptimumBank Holdings, Inc.
General ticker "OPHC" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $58.3M (TTM average)
OptimumBank Holdings, Inc. follows the US Stock Market performance with the rate: 47.6%.
Estimated limits based on current volatility of 1.5%: low 8.79$, high 9.05$
Factors to consider:
- Total employees count: 98 (+34.2%) as of 2025
- Top business risk factors: Economic downturns and volatility, Interest rate risk, Regulatory and compliance, Liquidity and credit risks, Market competition
- Current price 53.0% above estimated high
- Earnings for 6 months up through Q2 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 2025-12-31 to 2027-12-31
- 2025-12-31 to 2026-12-31 estimated range: [4.04$, 5.75$]
- 2026-12-31 to 2027-12-31 estimated range: [4.51$, 6.36$]
Financial Metrics affecting the OPHC estimates:
- Positive: with PPE of 4.2 at the end of fiscal year the price was low
- Positive: Operating cash flow per share per price, % of 35.78 > 24.19
- Positive: Operating profit margin, % of 44.92 > 33.79
- Positive: 7.04 < Shareholder equity ratio, % of 10.97 <= 12.78
- Positive: 14.78 < Industry operating profit margin (median), % of 24.03
- Positive: Industry inventory ratio change (median), % of 0 <= 0
- Positive: 0.90 < Return on assets ratio (scaled to [-100,100]) of 1.48
- Positive: Industry earnings per price (median), % of 7.57 > 6.58
Short-term OPHC quotes
Long-term OPHC plot with estimates
Financial data
| YTD | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating Revenue | $27.16MM | $39.31MM | $49.36MM |
| Operating Expenses | $18.71MM | $21.68MM | $27.19MM |
| 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 |
| Net Income(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.