OptimumBank Holdings, Inc. (OPHC) Stock Price

OPHCStock

$8.98+108.69%52W

Market Cap$113.35M

P/E6.69x

PEG Ratio1.03

Div yield—

Beta0.32

OPHC Share Price Chart

Favorite Metrics

Price vs S&P 500 (26W)59.12%

Price vs S&P 500 (4W)-4.25%

PEG Ratio1.03

VGM Score81.74

P/E Ratio (Annual)6.69x

P/CF (Annual)6.25x

Book Value / Share (Quarterly)$10.43

P/TBV (Annual)0.38x

Revenue Growth (3Y)56.63%

Cash Flow / Share (Quarterly)$1.77

Price vs S&P 500 (YTD)98.47%

Net Profit Margin (TTM)21.67%

EPS (TTM)$1.10

10-Day Avg Trading Volume0.18M

EPS Excl Extra (TTM)$1.10

Revenue Growth (5Y)33.35%

EPS (Annual)$0.71

ROI (Annual)13.66%

Net Profit Margin (5Y Avg)22.14%

Cash / Share (Quarterly)$1.32

P/E Basic Excl Extra (TTM)6.39x

Revenue Growth QoQ (YoY)62.03%

P/E Normalized (Annual)6.69x

ROA (Last FY)1.50%

Revenue Growth TTM (YoY)95.11%

EBITD / Share (TTM)$1.15

ROE (5Y Avg)11.63%

Operating Margin (TTM)29.16%

Cash Flow / Share (Annual)$1.47

P/B Ratio0.88x

P/B Ratio (Quarterly)0.49x

Net Income / Employee (Annual)$169,900

ROA (TTM)1.56%

EPS Growth QoQ (YoY)-37.55%

EV / EBITDA (TTM)3.00x

EPS Incl Extra (Annual)$0.71

3-Month Avg Trading Volume0.08M

52-Week Price Return108.69%

EV / Free Cash Flow (Annual)6.58x

P/E Incl Extra (TTM)6.39x

Tangible BV / Share (Quarterly)$9.14

P/S Ratio (Annual)1.26x

52-Week High$10.68

EPS Excl Extra (Annual)$0.71

CapEx CAGR (5Y)34.98%

Tangible BV CAGR (5Y)89.74%

26-Week Price Return71.05%

13-Week Price Return61.80%

Total Debt / Equity (Annual)0.00x

Enterprise Value$111.43M

Revenue / Share Growth (5Y)-0.48%

Book Value / Share Growth (5Y)13.70%

Revenue / Employee (Annual)$437,116,300,000

Pretax Margin (Annual)28.69%

Cash / Share (Annual)$2.80

3-Month Return Std Dev58.82%

Net Income / Employee (TTM)$178,000

EBITDA CAGR (5Y)139.30%

EBITDA Interim CAGR (5Y)30.25%

ROE (Last FY)13.66%

EPS Basic Excl Extra (Annual)$0.71

P/FCF (TTM)5.18x

EV / Free Cash Flow (TTM)5.18x

Total Debt / Equity (Quarterly)0.00x

EPS Incl Extra (TTM)$1.10

ROI (TTM)14.63%

P/S Ratio (TTM)0.97x

Pretax Margin (5Y Avg)17.56%

Revenue / Share (Annual)$3.16

Tangible BV / Share (Annual)$8.87

Forward P/E7.72x

Price vs S&P 500 (52W)90.13%

P/E Ratio (TTM)6.39x

EPS Growth TTM (YoY)-17.73%

Year-to-Date Return111.29%

5-Day Price Return-1.43%

EPS Normalized (Annual)$0.71

ROA (5Y Avg)1.24%

Net Profit Margin (Annual)21.40%

Month-to-Date Return18.16%

Cash Flow / Share (TTM)$0.77

EBITD / Share (Annual)$0.97

EPS Growth (3Y)1.71%

Operating Margin (Annual)28.69%

LT Debt / Equity (Annual)0.00x

P/CF (TTM)4.94x

ROI (5Y Avg)11.62%

P/E Excl Extra (TTM)6.39x

LT Debt / Equity (Quarterly)0.00x

EPS Basic Excl Extra (TTM)$1.10

P/TBV (Quarterly)0.36x

P/B Ratio (Annual)0.40x

Pretax Margin (TTM)29.16%

Book Value / Share (Annual)$10.57

Price vs S&P 500 (13W)59.85%

Beta0.32x

P/FCF (Annual)6.58x

Revenue / Share (TTM)$3.42

ROE (TTM)14.63%

52-Week Low$3.91

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OPHC Earnings Surprise History

Quarter	Report date	EPS estimate	EPS actual	Surprise
Q2 2026	Jul 24, 2026	$0.23	$0.28	+19.15%(+$0.05)
Q1 2026	Apr 24, 2026	$0.23	$0.20	-11.11%(-$0.02)
Q4 2025	Feb 2, 2026	$0.20	$0.21	+5.00%(+$0.01)
Q3 2025	Nov 10, 2025	$0.15	$0.18	+20.00%(+$0.03)
Q2 2025	Aug 6, 2025	$0.15	$0.29	+93.33%(+$0.14)

OPHC Analyst Recommendations

May 2026

Jun 2026

Jul 2026

Aug 2026

4.00

4.25

4.22

Industry Peers — National Banks(119)

Symbol	Value Score	Growth Score	Momentum Score	Price
OPHCOptimumBank Holdings, Inc.	A	B	A	$8.98
JPMJPMorgan Chase & Co.	D	B	B	$357.62
BACBank of America Corporation	C	C	B	$62.32
WFCWells Fargo & Co.	C	C	C	$86.69
CCitigroup Inc.	C	C	B	$132.90
UBSUBS Group AG	C	C	A	$54.90
COFCapital One Financial	B	D	C	$215.67
MFGMizuho Financial Group, Inc. American Depositary Shares (Each representing one-fifth of an Ordinary Share)	D	B	A	$10.64
USBU.S. Bancorp	C	C	B	$62.47
PNCPNC Financial Services Group	C	C	C	$242.22
TFCTruist Financial Corporation	B	C	D	$50.43
SHGShinhan Financial Group Co Ltd	B	C	B	$79.15
HBANHuntington Bancshares Inc	C	C	D	$16.92
RFRegions Financial Corp.	C	D	D	$30.33
KEYKeyCorp	C	C	D	$21.91
PNFPPinnacle Financial Partners, Inc.	D	B	D	$101.09
WBSWebster Financial Corporation Waterbury	C	B	C	$77.57
FHNFirst Horizon Corporation	C	B	D	$24.65
UMBFUMB Financial Corp	C	B	B	$144.59
CFRCullen/Frost Bankers Inc.	D	C	B	$161.69
ZIONZions Bancorporation N.A.	B	C	C	$67.78
ONBOld National Bancorp	C	B	C	$25.85
BOKFBOK Financial Corp	C	C	D	$137.48
VLYValley National Bancorp	C	B	C	$13.92
FNBF.N.B. Corp	B	C	D	$18.41
FULTFulton Financial Corp	B	C	C	$23.68
WSFSWSFS Financial Corp	D	B	C	$78.30
WSBCWesBanco Inc	B	B	B	$40.42
BANFBancfirst Corp	D	C	F	$110.55
NICNicolet Bankshares,Inc.	F	C	B	$171.74
PRKPark National Corporation	D	D	C	$198.12
FFBCFirst Financial Bancorp	B	B	C	$32.82
CBUCommunity Financial System, Inc.	D	D	D	$63.16
SFNCSimmons First National Corp	B	C	D	$22.69
BANCBanc of California, Inc.	B	C	D	$18.60
TRMKTrustmark Corp	C	C	D	$46.27
TBBKThe Bancorp Inc.	D	B	C	$65.70
NBTBNBT Bancorp Inc	C	C	C	$51.55
WAFDWaFd, Inc. Common Stock	B	C	D	$36.09
FRMEFirst Merchants Corp	B	C	D	$41.93
NWBINorthwest Bancshares, Inc	C	D	C	$15.34
FCFFirst Commonwealth Financial Corporation	C	C	C	$20.85
CHCOCity Holding Co	D	D	C	$143.46
NBHCNATIONAL BANK HOLDINGS CORP.	C	C	F	$41.22
OCFCOceanFirst Financial Corp	D	C	D	$18.88
DCOMDime Commercial Bancshares, Inc.	C	B	B	$40.47
HOPEHope Bancorp, Inc.	C	C	B	$13.92
FSUNFirstSun Capital Bancorp Common Stock	D	F	C	$40.07
BFCBank First Corporation Common Stock	F	C	C	$152.81
CASHPathward Financial, Inc. Common Stock	B	C	F	$81.50
BHRBBurke & Herbert Financial Services Corp. Common Stock	D	C	C	$71.71

About OptimumBank Holdings, Inc.

OptimumBank Holdings Inc is a bank holding company providing community banking services to individuals and corporate customers through OptimumBank. The bank offers a range of deposit products, payment services, and transaction solutions designed to serve its local market.