OPHCNYSENational Commercial BanksFiscal year ends December 31
OptimumBank Holdings, Inc.
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 10, 2026
$8.69−0.10 (-1.14%)
Close on Oct 19, 2026
- Market cap
- $205.91M
- P/E (TTM)
- 12.2
- Dividend yield
- –
OptimumBank statistics
Financials through Jun 30, 2026, price as of Oct 19, 2026, median of National Commercial Banks companies for comparison
Valuation
| Measure | OptimumBank | Industry median |
|---|---|---|
| Market Cap | $209.26M | $679.86M |
| Enterprise Value | $209.26M | $408.94M |
| PS Ratio | 3.56 | 3.61 |
| PB Ratio | 1.56 | 1.18 |
| P/TBV Ratio | 1.56 | 1.41 |
| P/FCF Ratio | 8.22 | 10.93 |
| P/OCF Ratio | 7.84 | 10.04 |
Enterprise value
| Measure | OptimumBank | Industry median |
|---|---|---|
| EV / Sales | 3.56 | 2.78 |
| EV / FCF | 8.22 | 8.25 |
Income (trailing twelve months)
| Measure | OptimumBank | Industry median |
|---|---|---|
| Revenue | $58.79M | $170.85M |
| Pretax Income | $27.16M | $70.12M |
| Net Income | $20.49M | $54.33M |
Margins
| Measure | OptimumBank | Industry median |
|---|---|---|
| Pretax Margin | 46.2% | 36.4% |
| Profit Margin | 34.9% | 29.1% |
| FCF Margin | 43.3% | 33.0% |
Returns
| Measure | OptimumBank | Industry median |
|---|---|---|
| Return on Equity (ROE) | 16.7% | 10.5% |
| Return on Assets (ROA) | 1.71% | 1.12% |
Growth
| Measure | OptimumBank | Industry median |
|---|---|---|
| Revenue Growth (YoY) | 36.3% | 11.8% |
| Net Income Growth (YoY) | 39.2% | 23.1% |
| FCF Growth (YoY) | 39.2% | 27.1% |
| Revenue Growth (3Y CAGR) | 38.0% | 5.82% |
| Revenue Growth (5Y CAGR) | 56.3% | 6.17% |
| EPS Growth (3Y CAGR) | 1.45% | 1.26% |
Balance sheet
| Measure | OptimumBank | Industry median |
|---|---|---|
| Equity (Book Value) | $134.38M | $560.44M |
| Book Value Per Share | $5.58 | $28.47 |
| Tangible Book Value | $134.38M | $472.29M |
Cash flow (trailing twelve months)
| Measure | OptimumBank | Industry median |
|---|---|---|
| Operating Cash Flow | $26.70M | $61.20M |
| Capital Expenditures | -$1.23M | -$4.02M |
| Free Cash Flow | $25.47M | $52.43M |
| FCF Per Share | $1.06 | $3.07 |
Efficiency
| Measure | OptimumBank | Industry median |
|---|---|---|
| Asset Turnover | 0.05 | 0.04 |
| Revenue Per Employee | $599.85K | $353.78K |
| Profits Per Employee | $209.12K | $107.28K |
| Employee Count | 98 | 489 |
Dividends and yields
| Measure | OptimumBank | Industry median |
|---|---|---|
| Earnings Yield | 9.79% | 8.07% |
| FCF Yield | 12.2% | 8.89% |
| Buyback Yield | -0.45% | 1.55% |
| Shareholder Yield | -0.45% | 3.13% |
Shares
| Measure | OptimumBank | Industry median |
|---|---|---|
| Shares Outstanding | 24,080,800 | 18,839,100 |
| Shares Change (YoY) | 4.27% | 0.39% |
| Shares Change (QoQ) | 1.43% | 0.00% |
| Float | 22,139,300 | 17,061,900 |
| Shares Held by Insiders | 8.06% | 5.89% |
| Shares Held by Institutions | 9.80% | 61.9% |
Taxes
| Measure | OptimumBank | Industry median |
|---|---|---|
| Income Tax | $6.66M | $14.50M |
| Effective Tax Rate | 24.5% | 21.1% |
Scores
| Measure | OptimumBank | Industry median |
|---|---|---|
| Altman Z-Score | 0.17 | 0.21 |
| Piotroski F-Score | 5 | 6 |
Calculated by StockData from OptimumBank's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.