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OptimumBank Holdings, Inc. (OPHC)
Price$5.43
Favorite Metrics
Price vs S&P 500 (26W)23.46%
Price vs S&P 500 (4W)-4.11%
Market Capitalization$64.79M
P/E Ratio (Annual)3.89x
All Metrics
P/CF (Annual)3.63x
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)23.00%
Net Profit Margin (TTM)21.67%
EPS (TTM)$1.21
10-Day Avg Trading Volume0.02M
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)3.89x
Revenue Growth QoQ (YoY)62.03%
P/E Normalized (Annual)3.89x
ROA (Last FY)1.50%
Revenue Growth TTM (YoY)95.11%
EBITD / Share (TTM)$1.52
ROE (5Y Avg)11.63%
Operating Margin (TTM)29.16%
Cash Flow / Share (Annual)$1.47
P/B Ratio0.53x
P/B Ratio (Quarterly)0.40x
Net Income / Employee (Annual)$0
ROA (TTM)1.60%
EPS Growth QoQ (YoY)19.87%
EV / EBITDA (TTM)2.86x
EPS Incl Extra (Annual)$0.71
3-Month Avg Trading Volume0.03M
52-Week Price Return40.16%
EV / Free Cash Flow (Annual)3.82x
P/E Incl Extra (TTM)3.89x
Tangible BV / Share (Quarterly)$9.14
P/S Ratio (Annual)1.26x
52-Week High$5.59
EPS Excl Extra (Annual)$0.71
CapEx CAGR (5Y)34.98%
Tangible BV CAGR (5Y)89.74%
26-Week Price Return27.45%
13-Week Price Return23.04%
Total Debt / Equity (Annual)0.00x
Enterprise Value$64.786
Revenue / Share Growth (5Y)-0.48%
Book Value / Share Growth (5Y)13.70%
Revenue / Employee (Annual)$437,116
Pretax Margin (Annual)28.69%
Cash / Share (Annual)$2.80
3-Month Return Std Dev35.32%
Net Income / Employee (TTM)$0
EBITDA Interim CAGR (5Y)73.40%
ROE (Last FY)13.66%
EPS Basic Excl Extra (Annual)$0.71
P/FCF (TTM)3.82x
EV / Free Cash Flow (TTM)3.82x
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/E6.59x
Price vs S&P 500 (52W)10.33%
P/E Ratio (TTM)3.89x
EPS Growth TTM (YoY)-8.46%
Year-to-Date Return25.65%
5-Day Price Return0.95%
EPS Normalized (Annual)$0.71
ROA (5Y Avg)1.24%
Net Profit Margin (Annual)21.40%
Month-to-Date Return4.71%
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)3.63x
ROI (5Y Avg)11.62%
P/E Excl Extra (TTM)3.89x
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)22.35%
Beta0.32x
P/FCF (Annual)3.82x
Revenue / Share (TTM)$3.42
ROE (TTM)14.54%
52-Week Low$3.76
Analyst Recommendations
Jan 2026
Feb 2026
Mar 2026
Apr 2026
2.17
2.17
2.17
2.17
Industry Peers — National Banks(97)
| Symbol | P/B Ratio (Quarterly) | ROE (TTM) | ROA (TTM) | Net Interest Coverage (TTM) | Price |
|---|---|---|---|---|---|
OPHCOptimumBank Holdings, Inc. | 0.40x | 14.54% | 1.60% | — | $5.43 |
JPMJPMorgan Chase & Co. | 2.17x | 16.32% | 1.28% | — | $309.95 |
BACBank of America Corporation | 1.16x | 10.50% | 0.92% | — | $53.51 |
WFCWells Fargo & Co. | 1.37x | 12.02% | 1.03% | — | $81.25 |
CCitigroup Inc. | 0.92x | 7.55% | 0.60% | — | $129.34 |
COFCapital One Financial | 1.36x | 2.44% | 0.40% | — | $200.71 |
MFGMizuho Financial Group, Inc. American Depositary Shares (Each representing one-fifth of an Ordinary Share) | 1.27x | 9.73% | 0.37% | — | $8.63 |
UBSUBS Group AG | 1.64x | 8.71% | 0.48% | — | $42.72 |
PNCPNC Financial Services Group | 1.35x | 11.88% | 1.23% | — | $220.07 |
USBU.S. Bancorp | 1.23x | 12.21% | 1.13% | — | $55.48 |
TFCTruist Financial Corporation | 0.97x | 8.15% | 0.98% | — | $49.43 |
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.