OptimumBank Holdings, Inc. (OPHC) stock
OPHCNYSENational Commercial BanksFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 13, 2026Score 10/30
$9.03+0.07 (+0.78%)
Close on Nov 13, 2026Market cap $217.45MP/E –Yield –
OptimumBank statistics
76 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.
Important dates
- Next earnings
- Jan 19, 2027 (estimated, before the open)
- Last ex-dividend date
- No dividends
- Fundamentals through
- Sep 30, 2026
- Share price as of
- Nov 13, 2026
Valuation ratiosIndustry
- P/TBV Ratio
- 1.46
- 1.52
- P/OCF Ratio
- 6.82
- 9.82
Enterprise valuationIndustry
- EV / Sales
- 3.33
- 2.95
- EV / FCF
- 7.11
- 8.49
Share statisticsIndustry
- Shares Change (YoY)
- 2.64%
- 0.33%
- Shares Change (QoQ)
- 9.61%
- 0.00%
- Float
- 22M
- 17M
- Shares Held by Insiders
- 8.06%
- 6.05%
- Shares Held by Institutions
- 9.80%
- 61.3%
Short sellingIndustry
- Short Interest
- 98,751
- –
- Short Interest Change
- 0.91%
- -4.13%
- Short % of Float
- 0.45%
- 3.58%
- Short % of Shares Outstanding
- 0.41%
- 3.18%
- Days to Cover
- 1.63
- 4.85
Stock price statisticsIndustry
- 52-Week High
- $10.68
- –
- 52-Week Low
- $4.04
- –
- 20-Day Moving Average
- $8.93
- –
- 50-Day Moving Average
- $8.96
- –
- 200-Day Moving Average
- $6.83
- –
- Average True Range (14)
- $0.42
- –
- Price Change (1 Week)
- 2.27%
- 0.69%
- Price Change (1 Month)
- 0.89%
- 3.79%
- Price Change (3 Months)
- -10.5%
- -2.72%
- Price Change (6 Months)
- 66.0%
- 12.2%
- Price Change (YTD)
- 112.5%
- 19.9%
- Price Change (1 Year)
- 118.6%
- 25.7%
- Price Change (3 Years)
- 173.6%
- 65.1%
- Price Change (5 Years)
- 73.3%
- 26.9%
- Price Change (10 Years)
- 102.5%
- 66.8%
- Average Volume (10 Days)
- 83,442
- –
- Average Volume (20 Days)
- 73,740
- –
- Average Volume (90 Days)
- 108,579
- –
- Relative Volume
- 1.09
- 0.68
- Relative Strength Index (14)
- 52.2
- 53.1
- Volatility (1 Year)
- 39.0%
- 24.4%
- Beta (5 Years)
- 0.46
- 0.63
MarginsIndustry
- Pretax Margin
- 47.5%
- 37.0%
- FCF Margin
- 46.8%
- 33.9%
Returns on capitalIndustry
- Return on Equity (ROE)
- 17.5%
- 10.7%
- Return on Assets (ROA)
- 1.76%
- 1.16%
GrowthIndustry
- Revenue Growth (YoY)
- 41.9%
- 11.7%
- Net Income Growth (YoY)
- 48.2%
- 22.6%
- FCF Growth (YoY)
- 87.0%
- 27.2%
- Revenue Growth (3Y CAGR)
- 38.0%
- 5.82%
- Revenue Growth (5Y CAGR)
- 56.3%
- 6.17%
- EPS Growth (3Y CAGR)
- 1.45%
- 1.31%
EfficiencyIndustry
- Asset Turnover
- 0.05
- 0.04
- Revenue Per Employee
- $667.06K
- $358.92K
- Profits Per Employee
- $238.19K
- $110.51K
- Employee Count
- 98
- 492
- WACC
- 7.60%
- 8.13%
Income statement (TTM)Industry
- Pretax Income
- $31.05M
- $74.07M
Balance sheetIndustry
- Equity (Book Value)
- $149.39M
- $570.13M
- Book Value Per Share
- $6.20
- $28.12
- Tangible Book Value
- $149.39M
- $478.27M
Cash flow (TTM)Industry
- Capital Expenditures
- -$1.28M
- -$4.24M
- FCF Per Share
- $1.27
- $3.37
Dividends and yieldsIndustry
- Earnings Yield
- 10.7%
- 8.29%
- FCF Yield
- 14.1%
- 9.18%
- Buyback Yield
- -4.34%
- 1.82%
- Shareholder Yield
- -4.34%
- 3.26%
Taxes and interestIndustry
- Income Tax
- $7.71M
- $16.14M
- Effective Tax Rate
- 24.8%
- 21.1%
Scores and fair valueIndustry
- Altman Z-Score
- 0.16
- 0.22
- Piotroski F-Score
- 5
- 6
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 13, 2026. The S&P 500 is measured by the SPY fund.
| Period | OPHC | S&P 500 | Difference | OPHC per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | +2.7% | -3.0% | +5.8 pts | ||
| 3 months | -1.6% | -2.8% | +1.1 pts | ||
| Year to date | +112.5% | +11.5% | +101.0 pts | ||
| 1 year | +120.0% | +13.5% | +106.5 pts | ||
| 3 years | +184.8% | +77.7% | +107.1 pts | +41.8% | +21.1% |
| 5 years | +73.3% | +72.6% | +0.7 pts | +11.6% | +11.5% |
| 10 years | +156.5% | +308.2% | −151.6 pts | +9.9% | +15.1% |
Short interest
Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.
0M OPHC shares were sold short on Oct 30, 2026, up 0.9% from the previous report, or 0.45% of the shares available to trade. At recent volumes it would take 1.6 days to buy them back. Over the last 20 sessions, 29.9% of the volume reported to FINRA was short selling.
| Settlement date | Shares short | Change | Avg. daily volume | Days to cover |
|---|---|---|---|---|
| Oct 30, 2026 | 98,751 | +0.9% | 60,630 | 1.6 |
| Oct 15, 2026 | 97,864 | -5.6% | 63,302 | 1.6 |
| Sep 30, 2026 | 103,689 | -2.5% | 87,810 | 1.2 |
| Sep 15, 2026 | 106,320 | +157.2% | 94,105 | 1.1 |
| Aug 31, 2026 | 41,341 | +62.4% | 169,238 | 1.0 |
| Aug 14, 2026 | 25,450 | +41.4% | 214,962 | 1.0 |
| Jul 31, 2026 | 18,000 | +28.9% | 132,205 | 1.0 |
| Jul 15, 2026 | 13,963 | +92.5% | 13,677 | 1.0 |
| Jun 30, 2026 | 7,255 | -25.5% | 46,977 | 1.0 |
| Jun 15, 2026 | 9,736 | +117.8% | 30,768 | 1.0 |
| May 29, 2026 | 4,470 | -49.5% | 25,521 | 1.0 |
| May 15, 2026 | 8,852 | +8.4% | 31,522 | 1.0 |
Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.
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