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OptimumBank Holdings, Inc.

OPHC • Banks - Regional
$8.98
▲ +0.01 (+0.11%)
Current price
EarningsLatest report: Jun 30, 2026
HIGHLY FAVORABLE PROFILEExcellentConfidence: 70%

Quantitative profile — not an investment recommendation.

Quantitative profile — not an investment recommendation.Methodology
Analysis thesis: Strong business quality with supportive growth and cash-flow evidence. Valuation still matters, but the historical ratio profile is favorable.
Market Cap
$107.37M
Growth
25.3%
Cash Flow
5/5
Trend
Stable
Evidence
Stable or improving margins · 23.4%Positive revenue growth · 18.9%Positive free cash flow · 1.44Consistent free cash flow · 5/5Reasonable earnings multiple · 3
Financial data as of: Jun 30, 2026, 12:00 AM UTCLast earnings update: Jun 30, 2026, 12:00 AM UTCLast profile update: Aug 12, 2026, 12:26 PM UTC

Company Snapshot

Key valuation, quality, financial strength, momentum and analyst data.

Price$8.98
Change0.11%
Shares Out11.96M
Market Cap$107.37M
Enterprise Value$68.63M
52W Range3.91 - 9.23
Beta0.26
P/E5.24
P/S1.37
P/B0.80
P/FCF4.00
EV/Sales0.87

Investment DNA

How strong this company looks for long-term investors

84
out of 100
Business Quality
Margins, moat, returns
85/100
Financial Strength
Debt, cash, stability
37/100
Growth Potential
Revenue and expansion
95/100
Price Attractiveness
Cheap or expensive today
95/100
Why this score▼
Stable or improving margins · 23.4%Positive revenue growth · 18.9%Positive free cash flow · 1.44Consistent free cash flow · 5/5Reasonable earnings multiple · 3Manageable debt level · 0.43

Analyst view

Analyst sentiment and price target

OPHC
Analyst sentiment
Based on 1 analyst votes · 2026-09-05
100/100
Bullish
Bullish
1
Hold
0
Bearish
0
Price Target
2026-08-12
Low
$6.50
Mean
$6.50
Median
$6.50
High
$6.50

Company Overview

IPO: 6/23/2003
Industry: Banks - Regional
P/B i: 0.80
Debt / Equity i: 0.43
Operating Margin: 31.17%
Net Margin: 23.41%
ROE i: -
ROIC: -

Financial Health

Score7 / 20
Debt / Equity: 0.43
Current Ratio: 0.12
Quick Ratio: 0.12
Status: Weak

Warnings

  • Weak Liquidity
  • Weak quick ratio

Insider Transactions

Recent executive and insider activity

Terry Timothy
Transaction: 02/02/2026
SELL
Change
-39,304
Price
$4.73
Filing
02/04/2026
Type
SELL
Blisko Michael
Transaction: 01/27/2026
SELL
Change
-65
Price
Not reported
Filing
01/30/2026
Type
SELL
Blisko Michael
Transaction: 01/27/2026
BUY
Change
+531,178
Price
Not reported
Filing
01/30/2026
Type
BUY