OptimumBank Holdings, Inc.
General ticker "OPHC" information:
- Sector: Financials
- Industry: Banks
- Capitalization: $50.8M (TTM average)
OptimumBank Holdings, Inc. follows the US Stock Market performance with the rate: 7.1%.
Estimated limits based on current volatility of 0.5%: low 4.10$, high 4.15$
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
- Current price 13.0% below estimated low
- Earnings for 9 months up through Q3 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: [4.65$, 6.53$]
- 2025-12-31 to 2026-12-31 estimated range: [4.76$, 6.80$]
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 profit margin, % of 27.44 > 18.64
- Positive: Operating cash flow per share per price, % of 34.76 > 13.24
- Positive: Industry operating cash flow per share per price (median), % of 10.66 > 10.33
- Negative: Shareholder equity ratio, % of 11.06 <= 18.93
- Positive: -2.95 < Return on assets ratio (scaled to [-100,100]) of 1.39
Short-term OPHC quotes
Long-term OPHC plot with estimates
Financial data
| YTD | 2022-12-31 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Operating Revenue | $22.84MM | $39.23MM | $64.25MM |
| Operating Expenses | $17.45MM | $30.77MM | $46.62MM |
| Operating Income | $5.39MM | $8.46MM | $17.63MM |
| Interest Expense | $4.05MM | $12.07MM | $24.94MM |
| Income(Loss) | $5.39MM | $8.46MM | $17.63MM |
| Taxes | $1.37MM | $2.17MM | $4.51MM |
| Profit(Loss)* | $4.02MM | $6.28MM | $13.12MM |
| Stockholders Equity | $62.58MM | $70.01MM | $103.18MM |
| Assets | $585.22MM | $791.25MM | $932.93MM |
| Operating Cash Flow | $10.36MM | $6.88MM | $15.61MM |
| Capital expenditure | $0.32MM | $0.67MM | $0.99MM |
| Investing Cash Flow | $-229.80MM | $-199.66MM | $-125.47MM |
| Financing Cash Flow | $232.31MM | $197.61MM | $126.83MM |
| Earnings Per Share** | $0.68 | $0.87 | $1.39 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.