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Equity
OptimumBank Holdings, Inc.(OPHC)
USD --+0.00%
Reward72High
Risk35Moderate
📊75%Data
Strong 35% profit margin · Revenue growing 36% YoY
OPHC
+0.0 · +0.00%
USD · NYSE MKT
OptimumBank Holdings, Inc. | Financial Services
Quality Compounder
Market Cap:60.67M
ℹ️
Reward Rating
72
High
Top 25% (model universe)
75% data coverage
ℹ️
Risk Rating
35
Moderate
Risk Assessment
ℹ️

Educational tool only – Scores are based on historical data and financial metrics for informational purposes. This is not financial advice or a recommendation to buy or sell any security. Always conduct your own research or consult a qualified financial adviser.

ℹ️ Educational tool only · More
Limited data coverage
We don't have enough public data on OPHC to score it reliably yet — Reward, Risk, Forecasts and Dividends tabs aren't available for this stock. The price chart and basic profile are still shown.
OTC / ADR stock — scores and fundamentals use data tagged in USD by our provider. The issuer may report in a different home currency (e.g. JPY), so treat figures as directional rather than precise.
Not available for limited-coverage stocks
The overview tab requires fundamentals and price history we don't have for this stock. The price chart is the most reliable view we have — try the Chart tab.

Market Performance

Stock returned +10.0% over the past year, broadly in line with market conditions.

Analyst Target

Analyst consensus price target: $6.00.

What is OptimumBank Holdings, Inc.?

operates as the bank holding company for OptimumBank that provides various consumer and commercial banking services to individuals and businesses.

OPHC · Verdict

Strong reward · moderate risk

OPHC scores well on volatility and valuation with no major weaknesses flagged in the model.

Based on 88% data coverage

OPHC · Verdict

What’s working & what to watch

Strengths 4

  • Volatility95/100

    Top decile vs peers

  • Valuation88/100

    P/E 7.7×

  • Growth82/100

    Rev +41.2% CAGR · earnings +60.5%

  • Profitability70/100

    26% net margin · 15% ROE

No major weaknesses flagged.

Model-based scoring. For information only — not financial advice.

What is OptimumBank Holdings, Inc.?

operates as the bank holding company for OptimumBank that provides various consumer and commercial banking services to individuals and businesses. The company accepts demand interest-bearing and noninterest-bearing, savings, money market, and NOW accounts, as well as time deposits, wire transfers, ACH services, and certificates of deposit. The company is listed on the NYSE MKT in USA, operating in the Financial Services sector, with a market capitalisation of 60.67M, and a P/E ratio of 7.4x.

Financial Highlights

Investment Breakdown

📈 Growth
Revenue and earnings growing steadily, indicating improving operating performance.
💰 Profitability
Strong margins and consistent earnings support financial stability.
⚠️ Risk
Below-average volatility supports a steadier risk profile.
💸 Valuation
Currently trading below intrinsic value estimates, suggesting upside potential.

OpenBook Logo Analysis

Reward: High (72)

The scoring profile indicates a strong reward potential, driven primarily by valuation and growth. Risk indicators are moderate, consistent with typical market exposure.

For informational purposes only. Not financial advice.

Company Information
SectorFinancial Services
Market Cap60.67M
P/E Ratio7.4085
Dividend YieldN/A
52 Week High5.59
52 Week Low3.53
Last AnnualDecember
IPO Date6/23/2003
IncorporatedUSA
Shares Outstanding12M
No. of Employees73
IndustryBanks - Regional
ExchangeNYSE MKT
Beta0.291
CurrencyUSD
Websitewww.optimumbank.com
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