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OptimumBank Holdings, Inc. (OPHC) stock analysis

OPHCNYSENational Commercial BanksFiscal year ends December 31
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 10, 2026Score 9/30
$8.96−0.11 (-1.21%)

Close on Nov 12, 2026Market cap $215.76MP/E –Yield –

StockData Score

Prices as of Nov 12, 2026How the score works

Value0Growth2Performance4Health3Dividend0

Mixed9 of 30 checks passed

OptimumBank passes 9 of the 30 checks behind our score; 16 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.

Valuation
0/6
Growth
2/6
Past performance
4/6
Financial health
3/6
Dividend
0/6

What stands out

  • Revenue growing 10%+ a year

    Revenue grew 38.0% a year over the last three fiscal years.

  • Well capitalized

    Equity is 9.6% of total assets; 8% or more is a comfortable cushion.

  • Growing faster than the industry

    Revenue grew 36.3% over the last twelve months; the Commercial Banks median is 11.3%.

  • Return on assets over 1%

    Return on assets was 1.7%; for a bank or insurer, 1% or more is considered good.

What to watch

  • Return on equity under 15%

    Return on equity was 16.7% over the last twelve months and averaged 13.9% over five years; we look for 15% on both.

  • EPS growing under 10% a year

    Diluted EPS grew 1.4% a year over the last three fiscal years.

  • P/S above the industry

    OptimumBank's price-to-sales of 3.67 is above the Commercial Banks median of 3.61.

  • P/B above the industry

    OptimumBank's price-to-book of 1.61 is above the Commercial Banks median of 1.28.

Valuation0/6

  • P/E against its history

    Not enough price and earnings history to compare.

  • P/E against the industry

    Needs positive earnings and enough profitable companies in the industry.

  • P/S above the industry

    OptimumBank's price-to-sales of 3.67 is above the Commercial Banks median of 3.61.

  • P/B above the industry

    OptimumBank's price-to-book of 1.61 is above the Commercial Banks median of 1.28.

  • Price against fair value

    We could not estimate a fair value: it needs at least two valuation methods with positive inputs.

  • Margin of safety

    Depends on the fair value estimate.

Growth2/6

  • Revenue growing 10%+ a year

    Revenue grew 38.0% a year over the last three fiscal years.

  • EPS growing under 10% a year

    Diluted EPS grew 1.4% a year over the last three fiscal years.

  • Earnings acceleration

    Needs positive net income now, a year ago and five years ago.

  • Growing faster than the industry

    Revenue grew 36.3% over the last twelve months; the Commercial Banks median is 11.3%.

  • Company guidance

    No outlook found in earnings releases from the last twelve months.

  • Gross margin trend

    Banks and insurers do not report gross profit.

Past performance4/6

  • Return on equity under 15%

    Return on equity was 16.7% over the last twelve months and averaged 13.9% over five years; we look for 15% on both.

  • Return on assets over 1%

    Return on assets was 1.7%; for a bank or insurer, 1% or more is considered good.

  • Return on equity above the industry

    OptimumBank's return on equity of 16.7% is above the Commercial Banks median of 11.5%.

  • Earnings over 5 years

    Needs positive net income five years ago and in the latest year.

  • Net margin above its 5-year average

    Net margin was 34.9% over the last twelve months, against a 5-year average of 33.6%.

  • Net margin above the industry

    OptimumBank's net margin of 34.9% is above the Commercial Banks median of 30.3%.

Financial health3/6

  • Well capitalized

    Equity is 9.6% of total assets; 8% or more is a comfortable cushion.

  • Loans funded by deposits

    Needs loans and deposits.

  • Adequate loan-loss reserve

    The allowance for credit losses is not reported.

  • Efficient operations

    Non-interest expense takes 50.6% of revenue; under 60% is efficient for a bank.

  • Deposits growing

    Deposits grew 38.1% over the past year.

  • Borrowings

    Needs debt and equity figures.

Dividend0/6

  • No dividend

    OptimumBank has not paid a dividend in the last twelve months.

  • Yield against Treasuries

    No dividend.

  • Yield against the market

    No dividend.

  • Dividend stability

    No dividend.

  • Earnings cover

    No dividend.

  • Cash-flow cover

    No dividend.

Scores of similar companies

Fair value

How we estimate it

We don't publish a fair value for OptimumBank. It needs a US-dollar share price, at least two valuation methods with positive inputs (earnings, EBITDA, book value or sales) and, for companies with several share classes, classes that trade at the same price.

Valuation over time

Using the earnings and balance sheet published at each date, not today's.

  • P/E at month end
  • Own 5-year median 4.4
  • Commercial Banks median 12.0

An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.

Market risk

From the past year of daily prices.

Liquidity

High risk

Average value traded per day
$602.67K
Value traded per 1% price move
$367.10K

Downside

Low risk

Typical loss in a bad month
6.7%
Volatility (annualized)
39%
Sharpe ratio, 1 year
2.95
Beta to the S&P 500 (5Y)
0.46

Typical bad-month loss, week by week

25%: high

Margins

Share of revenue, fiscal years 2011 to 2025

Net margin

33.7%+48.5 pts over 5 years

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