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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 $5.56, about 88.3% undervalued vs fair value, +27.7% 1Y return, ranked 807/1037 in sector.
Metrics P/E 3.0× Rev Growth 63.7% ROE 14.8%
$5.56
-0.54%
As of April 28, 2026
Previous close • Vol 90d: 30.6%
52-Week Range
Market Cap
$67.60M
Enterprise Value
$61.00M
Overall Score
View breakdown
Overall
Growth
Good
Profitability
Good
Health
Weak
Efficiency
Fair
Valuation
Weak
Growth
Good
Profitability
Good
Health
Weak
Efficiency
Fair
Valuation
Weak
Completeness: 82%
Confidence: 48%
Updated: Mar 8
Top Beats
No strong beats yet

Quick Facts

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

Next Events

Earnings May 11 Estimated

Fair Value Snapshot

Bear Base Bull
$6
$10
$20
Current: $5.56 +88% 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
38
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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 85% Coverage
Trade-Off Triangle Visualization A ternary plot showing OPHC's balance between Growth (42.2%), Profitability (42.4%), and Safety (15.4%). Growth 42% Safety 15% Profitability 42%

Click axes to expand details. Marker shows current allocation.

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Growth

87th percentile vs peers
87
Key Signals
NII Growth YoY 46.3% 97p Asset Growth YoY 19.2% 88p Equity Growth YoY 47.4% 96p EPS Growth YoY 6.8% 57p
Strengths
  • Growth performance in top 20% of peers (percentile: 87)
  • NII Growth YoY in top 20% of peers (46.3%, 97th percentile)
  • Asset Growth YoY in top 20% of peers (19.2%, 88th percentile)
  • Equity Growth YoY in top 20% of peers (47.4%, 96th percentile)
Risks

No significant risks identified for this axis.

Profitability

87th percentile vs peers
88
Key Signals
Strengths
Risks
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Safety

31th percentile vs peers
32
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:

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  • 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
- - -
+88.3% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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