OptimumBank Holdings, Inc. (OPHC) Key Metrics
OPHC valuation today
Trailing 12 months · as of October 18, 2026- Market cap
- $111.0M
- Enterprise value
- $107.0M
- P/E (TTM)
- 10.1 10-yr median 3.6
- Forward P/E
- 6.4
- PEG ratio
- 1.03
- Price / sales
- 2.0 10-yr median 0.9
- Price / book
- 0.8 10-yr median 0.4
- EV / EBITDA
- —
- Dividend yield
- —
- Beta
- 0.31
OPHC key metrics, 2016–2025
Fiscal year ended December 31, 2025 · U.S. dollarsOPHC valuation Price multiples at each fiscal year-end price.
OPHC returns How much profit the business earns on the capital it uses.
OPHC per-share figures Results divided by the shares outstanding at year-end.
OPHC financial health Debt, liquidity and how easily interest is covered.
OPHC efficiency & capital use Working capital cycle and where the cash goes.
OPHC valuation history
OPHC returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
OPHC debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
OPHC price vs earnings per share
OPHC key metrics
2016–2025| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Valuation | ||||||||||
| Market capitalization | $52.2M | $47.0M | $30.3M | $24.4M | $15.3M | $9.9M | — | — | — | — |
| Enterprise value | −$9.6M | $33.3M | $55.5M | −$50.4M | −$40.3M | −$37.6M | — | — | — | — |
| P/E ratio | 3.1 | 3.6 | 4.8 | 6.1 | 2.4 | — | — | — | — | — |
| Price / sales | 0.7 | 0.7 | 0.8 | 1.1 | 1.3 | 1.4 | — | — | — | — |
| Price / book | 0.4 | 0.5 | 0.4 | 0.4 | 0.4 | 0.6 | — | — | — | — |
| Price / free cash flow | 3.1 | 3.2 | 4.9 | 2.4 | 4.5 | — | — | — | — | — |
| Price / operating cash flow | 2.9 | 3.0 | 4.4 | 2.4 | 4.1 | — | — | — | — | — |
| EV / sales | -0.1 | 0.5 | 1.4 | -2.2 | -3.4 | -5.4 | — | — | — | — |
| EV / EBITDA | — | 1.8 | 6.2 | — | — | — | — | — | — | — |
| EV / free cash flow | — | 2.3 | 8.9 | — | — | — | — | — | — | — |
| Earnings yield | 31.9% | 27.9% | 20.8% | 16.5% | 41.1% | −7.9% | — | — | — | — |
| Free cash flow yield | 32.5% | 31.1% | 20.5% | 41.2% | 22.1% | −16.8% | — | — | — | — |
| Shareholder yield (dividends + buybacks) | — | — | — | — | — | 0.0% | — | — | — | — |
| Share price at fiscal year-end | $4.25 | $4.76 | $4.18 | $4.09 | $3.93 | $3.37 | $2.77 | $3.00 | $4.70 | $3.78 |
| Per share | ||||||||||
| Revenue per share | $5.79 | $6.51 | $5.42 | $3.84 | $3.03 | $2.39 | — | — | — | — |
| Earnings per share | $1.36 | $1.33 | $0.87 | $0.68 | $1.61 | −$0.27 | — | — | — | — |
| Operating cash flow per share | $1.45 | $1.58 | $0.95 | $1.74 | $0.97 | −$0.50 | — | — | — | — |
| Free cash flow per share | $1.38 | $1.48 | $0.86 | $1.69 | $0.87 | −$0.57 | — | — | — | — |
| Cash per share | $9.33 | $11.80 | $13.96 | $16.28 | $23.94 | $25.06 | — | — | — | — |
| Book value per share | $9.93 | $10.46 | $9.67 | $10.51 | $9.88 | $6.08 | — | — | — | — |
| Tangible book value per share | $9.93 | $10.46 | $9.67 | $10.51 | $9.88 | $5.62 | — | — | — | — |
| Capex per share | $0.07 | $0.10 | $0.09 | $0.05 | $0.10 | $0.07 | — | — | — | — |
| Debt per share | $4.30 | $10.41 | $17.44 | $3.72 | $9.69 | $8.86 | — | — | — | — |
| Shares outstanding | 12.3M | 9.9M | 7.2M | 6.0M | 3.9M | 2.9M | — | — | — | — |
| Change in shares outstanding | +24.4% | +36.3% | +21.6% | +52.7% | +32.9% | — | — | — | — | — |
| Returns & profitability | ||||||||||
| Return on equity (ROE) | 14.8% | 15.2% | 9.5% | 8.0% | 22.3% | −6.2% | −17.6% | 20.3% | −20.9% | −13.1% |
| Return on invested capital (ROIC) | 22.3% | 14.2% | 15.1% | — | — | — | −5.3% | 5.3% | — | — |
| Return on assets (ROA) | 1.6% | 1.5% | 0.9% | 0.9% | 2.1% | −0.4% | −1.0% | 0.8% | −0.5% | −0.3% |
| Return on tangible assets | 1.5% | 1.4% | 0.8% | 0.7% | 1.8% | −0.3% | −0.9% | 0.8% | −0.6% | −0.3% |
| Free cash flow margin | 23.8% | 22.7% | 15.8% | 43.9% | 28.6% | −23.7% | −19.9% | −4.8% | 10.0% | 9.7% |
| Income quality (OCF / net income) | 1.07 | 1.19 | 1.10 | 2.58 | 0.60 | — | — | 0.03 | — | — |
| Financial health | ||||||||||
| Total debt | $52.7M | $102.8M | $126.2M | $22.2M | $37.8M | $26.0M | $16.6M | $29.8M | $25.7M | $28.7M |
| Cash & short-term investments | $114.6M | $116.4M | $101.0M | $96.9M | $93.4M | $73.5M | $14.3M | $10.3M | $23.1M | $37.9M |
| Net debt | −$61.8M | −$13.6M | $25.2M | −$74.8M | −$55.6M | −$47.5M | $2.3M | $19.4M | $2.6M | −$9.2M |
| Debt / equity | 0.43 | 1.00 | 1.80 | 0.35 | 0.98 | 1.46 | 2.31 | 5.61 | 10.08 | 9.30 |
| Debt / assets | 0.05 | 0.11 | 0.16 | 0.04 | 0.11 | 0.11 | 0.13 | 0.30 | 0.27 | 0.24 |
| Net debt / EBITDA | −2.68 | −0.75 | 2.80 | −12.54 | −16.49 | — | — | 20.33 | — | — |
| Current ratio | 0.12 | 0.15 | 0.15 | 0.19 | 0.30 | 0.35 | 0.13 | 0.12 | 0.27 | 0.35 |
| Quick ratio | 0.12 | 0.15 | 0.21 | 0.33 | 0.50 | 0.61 | 0.21 | 0.22 | 0.42 | 0.51 |
| Interest coverage | 1.0 | 0.7 | 0.7 | 1.3 | 3.1 | -0.5 | -0.6 | 0.6 | -0.5 | -0.4 |
| Working capital | −$863.6M | −$702.4M | −$598.1M | −$419.5M | −$216.1M | −$138.9M | −$99.6M | −$76.9M | −$62.3M | −$71.3M |
| Invested capital | $60.1M | $89.6M | $95.2M | −$12.2M | −$17.1M | −$29.7M | $9.5M | $24.7M | $5.1M | −$6.1M |
| Tangible asset value | $121.9M | $103.2M | $70.0M | $62.6M | $38.5M | $16.5M | $7.2M | $5.3M | $2.5M | $3.1M |
| Net current asset value | −$871.6M | −$710.0M | −$617.8M | −$424.3M | −$219.0M | −$142.4M | −$104.8M | −$84.4M | −$69.9M | −$78.4M |
| Graham number | $17.41 | $17.69 | $13.74 | $12.64 | $18.94 | — | — | — | — | — |
| Graham net-net per share | −$71.07 | −$72.03 | −$88.25 | −$77.46 | −$63.92 | −$58.19 | — | — | — | — |
| Capital allocation | ||||||||||
| Dividends paid | — | — | — | — | — | — | — | $0 | $0 | $0 |
| Share buybacks (net) | — | — | — | — | — | $0 | — | $0 | $0 | $0 |
| Dividend payout ratio | — | — | — | — | — | — | — | 0.0% | — | — |
| Dividends + buybacks / free cash flow | — | — | — | — | — | — | — | — | 0.0% | 0.0% |
| Capex / revenue | 1.3% | 1.5% | 1.7% | 1.4% | 3.2% | 2.9% | 9.5% | 5.3% | 2.0% | 2.2% |
| Capex / operating cash flow | 5.0% | 6.3% | 9.7% | 3.1% | 10.1% | — | — | 975.0% | 16.5% | 18.3% |
| Capex / depreciation | 1.01 | 1.65 | 1.19 | 0.57 | 1.26 | 0.61 | 1.94 | 1.47 | 0.63 | 0.65 |
| Stock-based compensation / revenue | 1.2% | 0.8% | 1.2% | 1.6% | 1.7% | 3.1% | 3.8% | 4.6% | 0.4% | 3.8% |
| SG&A / revenue | 1.6% | 17.3% | 21.3% | 24.1% | 31.9% | 34.5% | 39.7% | 43.5% | 40.6% | 40.8% |
| Efficiency | ||||||||||
| Days sales outstanding | 17.9 | 16.5 | 18.2 | 19.3 | 35.6 | 46.1 | 25.4 | 26.3 | 26.6 | 33.3 |
| Days of inventory on hand | — | — | -1,292.4 | -3,236.5 | -9,802.1 | -4,351.4 | -1,638.8 | 7,440.1 | -4,655.6 | -5,607.9 |
| Days payables outstanding | — | — | — | 19,444.2 | 40,865.1 | 19,457.6 | 15,192.9 | -45,851.0 | 23,093.0 | 31,063.6 |
| Cash conversion cycle (days) | — | — | — | -22,661.5 | -50,631.6 | -23,763.0 | -16,806.2 | 53,317.4 | -27,721.9 | -36,638.2 |
| Receivables turnover | 20.41 | 22.07 | 20.03 | 18.92 | 10.25 | 7.92 | 14.36 | 13.89 | 13.70 | 10.97 |
| Payables turnover | — | — | — | 0.02 | 0.01 | 0.02 | 0.02 | −0.01 | 0.02 | 0.01 |
| Asset turnover | 0.07 | 0.07 | 0.06 | 0.05 | 0.04 | 0.04 | 0.05 | 0.04 | 0.04 | 0.04 |
| Average receivables | $3.5M | $2.9M | $2.0M | $1.2M | $1.2M | $884,000 | $373,000 | $315,000 | $348,000 | $421,000 |
| Average payables | — | — | — | $400.2M | $241.6M | $146.1M | $81.9M | $63.8M | $75.7M | $91.8M |
| Average inventory | — | — | −$57.1M | −$66.6M | −$58.0M | −$32.7M | −$8.8M | −$10.4M | −$15.3M | −$16.6M |
| Intangibles / total assets | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.6% | 0.0% | 0.0% | 0.0% | 0.0% |
Computed from OPHC's annual financial statements (latest annual report filed February 26, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
OPHC valuation and financial ratios
At the end of fiscal 2025 (December 31, 2025), OptimumBank traded at 3.1 times earnings, against a 10-year median of 3.6. Based on the latest twelve months, the trailing P/E is 10.1 and the forward P/E is 6.4. OptimumBank earned a return on equity of 14.8% and a return on invested capital of 22.3% in fiscal 2025. It ended the year with $52.7 million of debt and $114.6 million in cash and short-term investments, a net cash position of $61.8 million.
See the OPHC income statement, the OPHC chart for price history, or the OPHC stock overview for the latest quote and news.
OPHC key metrics FAQ
What is OptimumBank's P/E ratio?
OptimumBank's trailing P/E ratio is 10.1 based on the last twelve months of earnings (as of October 18, 2026), and its forward P/E is 6.4. At the end of fiscal 2025 it was 3.1, compared with a 10-year median of 3.6.
What is OptimumBank's return on equity?
OptimumBank's return on equity (ROE) was 14.8% in fiscal 2025: net income of $16.6 million on average shareholders' equity of $112.5 million.
What is OptimumBank's ROIC?
OptimumBank's return on invested capital was 22.3% in fiscal 2025, using after-tax operating income divided by average debt plus equity minus cash.
How much debt does OptimumBank have?
OptimumBank had total debt of $52.7 million at the end of fiscal 2025, a debt-to-equity ratio of 0.43 and more cash than debt.
What is OptimumBank's free cash flow yield?
OptimumBank generated $16.9 million of free cash flow in fiscal 2025, a free cash flow yield of 32.5% on its market value at year-end ($52.2 million).
What is OptimumBank's current ratio?
OptimumBank's current ratio was 0.12 at the end of fiscal 2025: current assets were 0.12 times current liabilities.