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NASDAQ: OPHC
Optimumbank Holdings Inc Stock

$4.29-0.05 (-1.15%)
Updated Mar 28, 2024
OPHC Price
$4.29
Fair Value Price
N/A
Market Cap
$33.75M
52 Week Low
$2.77
52 Week High
$4.92
P/E
4.93x
P/B
0.48x
P/S
1.31x
PEG
0.65x
Dividend Yield
N/A
Revenue
$23.12M
Earnings
$6.28M
Gross Margin
100%
Operating Margin
36.58%
Profit Margin
27.2%
Debt to Equity
10.3
Operating Cash Flow
$7M
Beta
0.18
Next Earnings
May 8, 2024
Ex-Dividend
N/A
Next Dividend
N/A

OPHC Overview

OptimumBank Holdings, Inc. operates as the bank holding company for OptimumBank that provides various consumer and commercial banking services to individuals and businesses. It accepts demand interest-bearing and noninterest-bearing, savings, money market, NOW, and time deposit accounts, as well as certificates of deposit; and offers residential and commercial real estate, multi-family real estate, commercial, land and construction, and consumer loans, as well as lending lines for working capital needs. The company also provides debit and ATM cards; investment, cash management, notary, and night depository services; and direct deposits, money orders, cashier's checks, domestic collections, and banking by mail, as well as internet banking services. It operates through two banking offices located in Broward County, Florida. The company was founded in 2000 and is based in Fort Lauderdale, Florida.

Zen Score

Industry Average (34)
You've viewed Zen Score for 10/10 free stocks. Upgrade to Premium to see how OPHC scored across 33 valuation, financial, forecast, performance, and dividend due diligence checks.

Due Diligence Checks

OPHC ($4.29) is trading below its intrinsic value of $7.09, according to an updated version of Benjamin Graham's Formula from Chapter 11 of "The Intelligent Investor"
Below Benjamin Graham Formula Value Valuation
OPHC is good value based on its earnings relative to its share price (4.93x), compared to the US market average (44.51x)
P/E vs Market Valuation
OPHC is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
There are 30 more OPHC due diligence checks available for Premium users.

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OPHC News

Valuation

OPHC fair value

Fair Value of OPHC stock based on Discounted Cash Flow (DCF)
Price
$4.29
Fair Value
$24.56
Undervalued by
82.54%
OPHC ($4.29) is trading below... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation

OPHC price to earnings (PE)

For valuing profitable companies with steady earnings
Company
4.93x
Industry
-10.33x
Market
44.51x
OPHC is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
OPHC is good value based... subscribe to Premium to read more.
P/E vs Market Valuation

OPHC price to book (PB)

For valuing companies that are loss-making or have lots of physical asset
Company
0.48x
Industry
1.02x
OPHC is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation

OPHC price to earnings growth (PEG)

For valuing profitable companies with growth potential
OPHC is good value based... subscribe to Premium to read more.
PEG Value Valuation

OPHC's financial health

Profit margin

Revenue
$7.1M
Net Income
$2.5M
Profit Margin
35.8%
OPHC's Earnings (EBIT) of $8.46M... subscribe to Premium to read more.
Interest Coverage Financials
OPHC's profit margin has increased... subscribe to Premium to read more.
Profit Margin Growth Financials

Assets to liabilities

Assets
$791.3M
Liabilities
$721.2M
Debt to equity
10.3
OPHC's debt relative to shareholder... subscribe to Premium to read more.
Shrinking Debt Financials
OPHC's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials

Cash flow

Operating
$339.0k
Investing
-$100.9M
Financing
$73.2M
OPHC's operating cash flow ($6.88M)... subscribe to Premium to read more.
Debt Coverage Financials

OPHC vs Bank Stocks

TickerMarket Cap1d %P/EP/B
OPHC$33.75M-1.15%4.93x0.48x
PBBK$35.02M-0.77%12.40x0.75x
KFFB$30.89M+0.26%-76.40x0.63x
HFBL$40.43M0.00%8.63x0.77x
BCOW$41.67M+0.89%-8.32x0.59x

Optimumbank Holdings Stock FAQ

What is Optimumbank Holdings's quote symbol?

(NASDAQ: OPHC) Optimumbank Holdings trades on the NASDAQ under the ticker symbol OPHC. Optimumbank Holdings stock quotes can also be displayed as NASDAQ: OPHC.

If you're new to stock investing, here's how to buy Optimumbank Holdings stock.

What is the 52 week high and low for Optimumbank Holdings (NASDAQ: OPHC)?

(NASDAQ: OPHC) Optimumbank Holdings's 52-week high was $4.92, and its 52-week low was $2.77. It is currently -12.72% from its 52-week high and 54.87% from its 52-week low.

How much is Optimumbank Holdings stock worth today?

(NASDAQ: OPHC) Optimumbank Holdings currently has 7,867,386 outstanding shares. With Optimumbank Holdings stock trading at $4.29 per share, the total value of Optimumbank Holdings stock (market capitalization) is $33.75M.

Optimumbank Holdings stock was originally listed at a price of $1,237.35 in Jun 23, 2003. If you had invested in Optimumbank Holdings stock at $1,237.35, your return over the last 20 years would have been -99.65%, for an annualized return of -24.66% (not including any dividends or dividend reinvestments).

How much is Optimumbank Holdings's stock price per share?

(NASDAQ: OPHC) Optimumbank Holdings stock price per share is $4.29 today (as of Mar 28, 2024).

What is Optimumbank Holdings's Market Cap?

(NASDAQ: OPHC) Optimumbank Holdings's market cap is $33.75M, as of Mar 29, 2024.

Market cap (market capitalization) is the total market value of a publicly traded company's outstanding shares.

Optimumbank Holdings's market cap is calculated by multiplying OPHC's current stock price of $4.29 by OPHC's total outstanding shares of 7,867,386.
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