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Company Analysis

OptimumBank Holdings, Inc. OPHC

A comprehensive view of key metrics, scores, and financial health for OptimumBank Holdings, Inc.

Overview of OptimumBank Holdings, Inc.

OPHC ASE
Financial Services Banks - Regional Micro Cap
OptimumBank Holdings, Inc. (OPHC), is a Micro Cap company, in the Banks - Regional industry, last closed at $5.42, about 93.2% undervalued vs fair value, +27.5% 1Y return, ranked 813/1004 in sector.
$5.42
-1.45%
As of March 13, 2026
Previous close • Vol 90d: 28.8%
52-Week Range
Market Cap
$61.00M
Enterprise Value
$54.40M
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.optimumbank.com
HQ Fort Lauderdale, FL
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$6
$10
$20
Current: $5.42 +93% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$59.6M
66.7%%
Interest Expense
$21.8M
Net Interest Income
$34.7M
46.3%%
Total Revenue
$64.4M
63.7%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
12.7%
Good

Net Income / Equity - key bank profitability metric

Locked Metric
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Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating OptimumBank Holdings, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
50
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
36
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing OPHC's balance between Growth (33.5%), Profitability (29.1%), and Safety (37.5%). Growth 33% Safety 37% Profitability 29%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

79th percentile vs peers
80
Key Signals
Revenue CAGR 3Y 50.7% 97p Asset Growth YoY 19.2% 88p Rev Growth YoY 63.7% 58p
Strengths
  • Revenue Cagr 3Y in top 20% of peers (50.7%, 97th percentile)
  • Asset Growth Yoy in top 20% of peers (19.2%, 88th percentile)
  • Roe in top 20% of peers (15.2%, 90th percentile)
  • Roa in top 20% of peers (1.5%, 88th percentile)
Risks

No significant risks identified for this axis.

Profitability

69th percentile vs peers
69
Key Signals
Strengths
Risks
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Safety

89th percentile vs peers
89
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for OptimumBank Holdings, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$10.47
- - -
+93.2% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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