OptimumBank Holdings, Inc. (OPHC)

Price$5.53

Value ScoreA

Growth ScoreB

Momentum ScoreC

Favorite Metrics

Price vs S&P 500 (26W)17.56%

Price vs S&P 500 (4W)-6.23%

VGM Score75.43

Market Capitalization$67.48M

P/E Ratio (Annual)4.05x

All Metrics

P/CF (Annual)3.78x

Book Value / Share (Quarterly)$10.57

P/TBV (Annual)0.38x

Revenue Growth (3Y)56.63%

Cash Flow / Share (Quarterly)$1.47

Price vs S&P 500 (YTD)18.48%

Net Profit Margin (TTM)21.67%

EPS (TTM)$1.21

10-Day Avg Trading Volume0.03M

EPS Excl Extra (TTM)$1.21

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)4.05x

Revenue Growth QoQ (YoY)62.03%

P/E Normalized (Annual)4.05x

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 Ratio0.55x

P/B Ratio (Quarterly)0.40x

Net Income / Employee (Annual)$169,900

ROA (TTM)1.60%

EPS Growth QoQ (YoY)19.87%

EV / EBITDA (TTM)3.00x

EPS Incl Extra (Annual)$0.71

3-Month Avg Trading Volume0.03M

52-Week Price Return23.60%

EV / Free Cash Flow (Annual)3.98x

P/E Incl Extra (TTM)4.05x

Tangible BV / Share (Quarterly)$9.14

P/S Ratio (Annual)1.26x

52-Week High$5.64

EPS Excl Extra (Annual)$0.71

CapEx CAGR (5Y)34.98%

Tangible BV CAGR (5Y)89.74%

26-Week Price Return33.50%

13-Week Price Return3.19%

Total Debt / Equity (Annual)0.00x

Enterprise Value$67.48M

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 Dev28.88%

Net Income / Employee (TTM)$169,900

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)3.98x

EV / Free Cash Flow (TTM)3.98x

Total Debt / Equity (Quarterly)0.00x

EPS Incl Extra (TTM)$1.21

ROI (TTM)14.54%

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/E6.55x

Price vs S&P 500 (52W)-4.61%

P/E Ratio (TTM)4.05x

EPS Growth TTM (YoY)-8.46%

Year-to-Date Return29.41%

5-Day Price Return-0.54%

EPS Normalized (Annual)$0.71

ROA (5Y Avg)1.24%

Net Profit Margin (Annual)21.40%

Month-to-Date Return0.73%

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)3.78x

ROI (5Y Avg)11.62%

P/E Excl Extra (TTM)4.05x

LT Debt / Equity (Quarterly)0.00x

EPS Basic Excl Extra (TTM)$1.21

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)-6.56%

Beta0.31x

P/FCF (Annual)3.98x

Revenue / Share (TTM)$3.42

ROE (TTM)14.54%

52-Week Low$3.91

vGradeA

gGradeB

mGradeC

vgmGradeB

Show chart for

Earnings Surprise History

Q1 260.20est. 0.23

Analyst Recommendations

Feb 2026

Mar 2026

Apr 2026

May 2026

2.17

4.00

Industry Peers — National Banks(117)

Symbol	Value Score	Growth Score	Momentum Score	Price
OPHCOptimumBank Holdings, Inc.	A	B	C	$5.53
JPMJPMorgan Chase & Co.	D	C	D	$296.58
BACBank of America Corporation	C	C	D	$51.51
WFCWells Fargo & Co.	D	C	D	$77.17
CCitigroup Inc.	C	C	A	$129.09
COFCapital One Financial	C	D	F	$184.56
UBSUBS Group AG	C	C	B	$47.99
MFGMizuho Financial Group, Inc. American Depositary Shares (Each representing one-fifth of an Ordinary Share)	D	B	B	$9.03
PNCPNC Financial Services Group	C	C	C	$216.07
USBU.S. Bancorp	C	C	C	$53.55
TFCTruist Financial Corporation	B	C	D	$46.87

About

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.