OptimumBank Holdings, Inc. (OPHC) AI Stock Analysis

OptimumBank Holdings, Inc. serves as the holding company for OptimumBank, delivering consumer and commercial banking services across Broward County, Florida. Established in 2000 and headquartered in Fort Lauderdale, the institution operates two banking offices. Its deposit portfolio comprises demand interest-bearing and noninterest-bearing accounts, savings, money market, NOW accounts, time deposits, and certificates of deposit. Lending operations provide residential and commercial real estate financing, multi-family loans, commercial loans, land and construction financing, and consumer credit. Additional solutions include debit and ATM cards, cash management, notary services, night depository, and internet banking.

Revenue expanded from $11.8M in FY2021 to $71.1M in FY2025, recording a 5-year revenue CAGR of 59.0%. Annual revenue growth was 68.8% in FY2021, 93.2% in FY2022, 71.8% in FY2023, 63.8% in FY2024, and 10.7% in FY2025. Operating margin rose to 31.2% in FY2025, up from 27.4% in FY2024. Net income climbed from $6.3M in FY2021 to $16.6M in FY2025, yielding an FY2025 net margin of 23.4% and EPS of $1.00. For the trailing twelve months ending June 30, 2026, revenue stood at $56.9M with an operating margin of 52.5%. In the latest quarter, quarterly revenue grew 56.0% year-over-year and quarterly earnings grew 86.7%.

As of June 30, 2026, OptimumBank Holdings reported total assets of $1.40B and shareholders' equity of $134.4M. Cash and short-term investments totaled $41.3M against total debt of $5.1M, creating a net cash position of $36.2M. The company's debt-to-equity ratio is 0.04 and its current ratio is 18.12. In FY2025, operating cash flow reached $17.8M and free cash flow was $16.9M, while capital expenditures totaled $896,000. Over a 5-year period, the share count increased by 175.1%.

At a last close of $8.79 on October 16, 2026, OptimumBank Holdings carried a market capitalization of $111.0M. The stock trades at a trailing P/E of 10.1x and a forward P/E of 6.4x, below the median of its US-listed Financial Services peers of 12.1x trailing and 10.8x forward. Its price-to-sales ratio of 2.0x is lower than the peer median of 3.2x, while price-to-book stands at 0.8x. Over the past year, the shares gained 120.9%, outperforming the S&P 500 (SPY) return of 16.8%, though its 5-year return of 50.0% trailed the index's 83.0%.

Analyst coverage reflects 1 Hold rating, with 0 Buy, 0 Strong Buy, 0 Sell, and 0 Strong Sell ratings. The mean price target is $10.92, representing 24.2% upside from the last close of $8.79. Consensus estimates project current fiscal year EPS of $1.23, representing 21.1% growth, followed by next fiscal year EPS of $1.35 based on 2 analysts. Over the last four quarters, the bank posted 3 EPS beats. The next earnings date is scheduled for November 9, 2026.

This page is an AI-written research summary of OptimumBank Holdings, Inc. (OPHC). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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