OptimumBank Holdings, Inc. (OPHC) Stock Price

OPHCStock

$8.79+120.85%52W

Market Cap$111.02M

P/E6.66x

PEG Ratio1.03

Div yield—

Beta0.30

OPHC Share Price Chart

Favorite Metrics

Price vs S&P 500 (26W)57.20%

Price vs S&P 500 (4W)-3.13%

PEG Ratio1.03

VGM Score86.01

P/E Ratio (Annual)6.66x

P/CF (Annual)6.22x

Book Value / Share (Quarterly)$5.65

P/TBV (Annual)0.38x

Revenue Growth (3Y)56.63%

Cash Flow / Share (Quarterly)$1.07

Price vs S&P 500 (YTD)94.90%

Net Profit Margin (TTM)21.67%

EPS (TTM)$1.08

10-Day Avg Trading Volume0.06M

EPS Excl Extra (TTM)$1.08

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)5.41x

Revenue Growth QoQ (YoY)62.03%

P/E Normalized (Annual)6.66x

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 Ratio0.83x

P/B Ratio (Quarterly)0.53x

Net Income / Employee (Annual)$169,900

ROA (TTM)1.69%

EPS Growth QoQ (YoY)-4.26%

EV / EBITDA (TTM)3.00x

EPS Incl Extra (Annual)$0.71

3-Month Avg Trading Volume0.10M

52-Week Price Return120.85%

EV / Free Cash Flow (Annual)7.37x

P/E Incl Extra (TTM)5.41x

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 Return67.11%

13-Week Price Return45.77%

Total Debt / Equity (Annual)0.00x

Enterprise Value$124.95M

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 Dev62.24%

Net Income / Employee (TTM)$209,100

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)4.36x

EV / Free Cash Flow (TTM)4.91x

Total Debt / Equity (Quarterly)0.10x

EPS Incl Extra (TTM)$1.08

ROI (TTM)15.95%

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/E7.56x

Price vs S&P 500 (52W)105.32%

P/E Ratio (TTM)5.41x

EPS Growth TTM (YoY)-15.46%

Year-to-Date Return106.82%

5-Day Price Return1.85%

EPS Normalized (Annual)$0.71

ROA (5Y Avg)1.24%

Net Profit Margin (Annual)21.40%

Month-to-Date Return0.80%

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)4.16x

ROI (5Y Avg)11.62%

P/E Excl Extra (TTM)5.41x

LT Debt / Equity (Quarterly)0.10x

EPS Basic Excl Extra (TTM)$1.08

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)43.09%

Beta0.30x

P/FCF (Annual)6.55x

Revenue / Share (TTM)$3.42

ROE (TTM)16.39%

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

Jun 2026

Jul 2026

Aug 2026

Sep 2026

4.25

4.22

Industry Peers — National Banks(118)

Symbol	Value Score	Growth Score	Momentum Score	P/B Ratio (Quarterly)	ROE (TTM)	ROA (TTM)	Net Interest Coverage (TTM)	Price
OPHCOptimumBank Holdings, Inc.	A	B	A	0.5x	16.4%	1.7%	—	$8.79
JPMJPMorgan Chase & Co.	D	C	C	2.4x	17.9%	1.4%	—	$339.72
BACBank of America Corporation	C	C	F	1.3x	10.7%	0.9%	—	$51.23
WFCWells Fargo & Co.	C	C	D	1.4x	12.8%	1.0%	—	$83.87
CCitigroup Inc.	B	C	D	1.0x	9.2%	0.7%	—	$124.26
UBSUBS Group AG	D	C	C	1.8x	10.5%	0.6%	—	$47.68
COFCapital One Financial	B	D	D	1.1x	9.3%	1.6%	—	$201.74
MFGMizuho Financial Group, Inc. American Depositary Shares (Each representing one-fifth of an Ordinary Share)	D	B	B	1.6x	12.3%	0.5%	—	$10.17
USBU.S. Bancorp	B	C	C	1.4x	12.6%	1.2%	—	$58.73
PNCPNC Financial Services Group	C	C	D	1.4x	12.6%	1.3%	—	$217.39
TFCTruist Financial Corporation	B	C	D	0.9x	8.1%	0.9%	—	$47.07
SHGShinhan Financial Group Co Ltd	A	C	F	0.8x	9.2%	0.7%	—	$70.31
HBANHuntington Bancshares Inc	C	C	F	1.1x	8.6%	0.9%	—	$15.27
RFRegions Financial Corp.	C	D	D	1.3x	12.3%	1.4%	—	$27.45
KEYKeyCorp	C	C	D	1.3x	10.1%	1.1%	—	$19.99
PNFPPinnacle Financial Partners, Inc.	C	B	D	1.0x	7.6%	0.9%	—	$94.72
FHNFirst Horizon Corporation	C	B	D	1.3x	11.7%	1.3%	—	$22.88
UMBFUMB Financial Corp	C	B	D	1.4x	12.2%	1.3%	—	$131.10
CFRCullen/Frost Bankers Inc.	D	C	C	2.1x	15.0%	1.3%	—	$155.05
ONBOld National Bancorp	C	B	C	1.2x	10.5%	1.2%	—	$25.01
ZIONZions Bancorporation N.A.	A	C	C	1.3x	16.1%	1.3%	—	$63.37
BOKFBOK Financial Corp	B	C	D	1.4x	10.8%	1.2%	—	$124.83
VLYValley National Bancorp	B	B	D	1.0x	8.9%	1.1%	—	$12.66
FNBF.N.B. Corp	B	C	D	1.0x	8.9%	1.2%	—	$17.23
FULTFulton Financial Corp	B	C	C	1.2x	11.2%	1.2%	—	$22.40
WSFSWSFS Financial Corp	D	B	B	1.5x	11.7%	1.5%	—	$76.35
BANFBancfirst Corp	D	C	D	1.9x	13.4%	1.7%	—	$109.03
WSBCWesBanco Inc	B	B	C	0.9x	8.7%	1.3%	—	$37.22
NICNicolet Bankshares,Inc.	F	C	C	1.5x	8.8%	1.3%	—	$163.80
FFBCFirst Financial Bancorp	B	B	C	1.2x	10.1%	1.3%	—	$31.48
PRKPark National Corporation	D	D	C	1.9x	12.4%	1.7%	—	$178.65
SFNCSimmons First National Corp	B	C	C	1.0x	7.6%	1.1%	—	$22.07
CBUCommunity Financial System, Inc.	D	D	D	1.7x	11.3%	1.3%	—	$60.24
BANCBanc of California, Inc.	B	C	F	1.0x	-0.6%	-0.1%	—	$17.18
NBTBNBT Bancorp Inc	C	C	C	1.3x	11.3%	1.3%	—	$50.85
TRMKTrustmark Corp	C	C	C	1.3x	11.0%	1.2%	—	$44.90
FRMEFirst Merchants Corp	B	C	D	1.0x	7.3%	0.9%	—	$39.60
NWBINorthwest Bancshares, Inc	C	D	C	1.2x	8.1%	0.9%	—	$14.93
WAFDWaFd, Inc. Common Stock	B	C	F	0.7x	8.5%	0.9%	—	$29.15
FCFFirst Commonwealth Financial Corporation	C	C	B	1.3x	10.8%	1.4%	—	$20.34
TBBKThe Bancorp Inc.	C	B	F	3.7x	32.3%	2.5%	—	$49.60
CHCOCity Holding Co	D	D	B	2.3x	16.4%	2.0%	—	$141.69
HOPEHope Bancorp, Inc.	B	C	C	0.8x	5.7%	0.7%	—	$13.43
DCOMDime Commercial Bancshares, Inc.	C	B	B	0.9x	7.7%	0.8%	—	$38.83
NBHCNATIONAL BANK HOLDINGS CORP.	C	C	F	1.2x	6.5%	0.9%	—	$37.92
FSUNFirstSun Capital Bancorp Common Stock	B	F	C	0.9x	3.5%	0.5%	—	$37.95
BFCBank First Corporation Common Stock	F	B	C	2.0x	11.1%	1.6%	—	$147.70
OCFCOceanFirst Financial Corp	C	C	F	0.8x	2.6%	0.3%	—	$15.83
CASHPathward Financial, Inc. Common Stock	B	C	D	2.2x	20.6%	2.4%	—	$72.93
WABCWestamerica Bancorporation	D	D	B	1.7x	12.8%	1.9%	—	$61.28
BHRBBurke & Herbert Financial Services Corp. Common Stock	D	D	C	1.2x	10.4%	1.1%	—	$69.69

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.