Home / OPHC : AMEX

AI Analysis Fundamentals Valuation Video Analysis News Similar

AI Analysis

How does OPHC make money? Does OPHC have pricing power? What's the Earnings Whisper? Will OPHC profit more as the business scales? What is OPHC's management track record? Is OPHC's current price justified?

OptimumBank Holdings, Inc.

$9.07 +$4.83 (+113.92%)

AMEX · 11 Sep 2026 20:00 UTC

Previous Close

$9.07

Day Range

$8.97$9.24

Year Range

$3.91$10.68

Market Cap

110.35M

AVG Volume

85.87K

Trailing/Forward PE

5.24/6.94

PEG ratio

0.43

Dividend Yield

Next Earnings Date

2026-11-09

Primary Exchange

New York Stock Exchange Arca

Revenue (USD)

OPHC Revenue (USD) by year
Period	Revenue (USD)
2025	71.13M
2024	64.25M
2023	39.23M
2022	22.84M
2021	12.16M
2020	7M
2019	5.37M
2018	4.38M
2017	4.77M
2016	4.62M

Net Income (USD)

OPHC Net Income (USD) by year
Period	Net Income (USD)
2025	16.65M
2024	13.13M
2023	6.28M
2022	4.02M
2021	6.3M
2020	-782K
2019	-1.1M
2018	796K
2017	-586K
2016	-396K

Operating Income (USD)

OPHC Operating Income (USD) by year
Period	Operating Income (USD)
2025	22.17M
2024	17.63M
2023	8.46M
2022	5.39M
2021	3.07M
2020	-782K
2019	-1.15M
2018	796K
2017	-586K
2016	-396K

EBITDA (USD)

OPHC EBITDA (USD) by year
Period	EBITDA (USD)
2025	23.05M
2024	18.23M
2023	9.02M
2022	5.96M
2021	3.37M
2020	-455K
2019	-890K
2018	955K
2017	-437K
2016	-240K

Cash Flows (USD)

OPHC Cash Flows (USD) by year
Period	Cash Flows (USD)
2025	17.55M
2024	14.62M
2023	6.21M
2022	10.04M
2021	3.38M
2020	-1.66M
2019	-1.07M
2018	-210K
2017	476K
2016	450K

EPS (USD)

OPHC EPS (USD) by year
Period	EPS (USD)
2025	1.36
2024	1.36
2023	0.87
2022	0.66
2021	1.52
2020	-0.27
2019	-0.55
2018	0.65
2017	-0.53
2016	-0.41

Expenses (USD)

OPHC Expenses (USD) by year
Period	Expenses (USD)
2025	1.42M
2024	12.09M
2023	8.93M
2022	5.79M
2021	4.13M
2020	2.61M
2019	2.53M
2018	2.19M
2017	1.96M
2016	1.98M

Cash & Debt (USD)

OPHC Cash & Debt (USD) by year
Period	Cash & Debt (USD)
2025	114.56M
2024	116.4M
2023	101.02M
2022	96.94M
2021	93.36M
2020	73.52M
2019	14.34M
2018	10.34M
2017	23.1M
2016	37.86M

Debt ratios

OPHC Debt ratios by year
Period	Debt ratios
2025	-1.1
2024	-0.37
2023	1.41
2022	-9.36
2021	-18.65
2020	57.47
2019	-3.75
2018	-404.44

Margins

OPHC Margins by year
Period	Margins
2025	66.53%
2024	57.73%
2023	58.93%
2022	67.11%
2021	82.26%
2020	60.88%
2019	63.14%
2018	111.56%
2017	74.94%
2016	76.66%

Return on Capital

OPHC Return on Capital by year
Period	Return on Capital
2025	13.66%
2024	12.72%
2023	8.97%
2022	6.43%
2021	16.35%
2020	-4.38%
2019	-15.26%
2018	15%
2017	-23.03%
2016	-12.85%

Shares Outstanding

OPHC Shares Outstanding by year
Period	Shares Outstanding
2025	11.75M
2024	10.32M
2023	7.25M
2022	7.06M
2021	4.35M
2020	2.95M
2019	2.86M
2018	1.83M
2017	1.17M
2016	1.09M

Book Value Per Share (USD)

OPHC Book Value Per Share (USD) by year
Period	Book Value Per Share (USD)
2025	10.37
2024	10
2023	9.66
2022	8.87
2021	8.86
2020	6.04
2019	2.52
2018	2.9
2017	2.17
2016	2.82

Total Assets (USD)

OPHC Total Assets (USD) by year
Period	Total Assets (USD)
2025	1.11B
2024	932.93M
2023	791.25M
2022	585.22M
2021	351.88M
2020	235.11M
2019	126.75M
2018	100.37M
2017	95.87M
2016	119.7M

Employee Count

OPHC Employee Count by year
Period	Employee Count
2025	98
2024	73
2023	60
2022	48
2021	38
2020	27
2019	19
2018	19
2017	16
2016	16

PE Ratio

OPHC PE Ratio by year
Period	PE Ratio
Sep 26	5.29
Sep 26	5.24
Aug 26	5.24
Aug 26	5.43
Aug 26	5.72
Aug 26	6.25
Jul 26	5.21
Jul 26	4.32
Jul 26	4.13
Jul 26	4.09
Jul 26	3.93
Jun 26	3.98
Jun 26	4.01
Jun 26	3.78
Jun 26	3.77
May 26	3.77
May 26	3.79
May 26	3.73
May 26	3.95
May 26	3.93
Apr 26	3.9
Apr 26	3.83
Apr 26	3.77
Apr 26	3.55
Mar 26	3.69
Mar 26	3.6
Mar 26	3.83
Mar 26	3.54
Feb 26	3.76
Feb 26	3.99
Feb 26	3.88
Feb 26	3.78
Jan 26	3.52
Jan 26	3.57
Jan 26	3.56
Jan 26	3.25
Jan 26	3.16
Dec 25	3.16
Dec 25	3.21
Dec 25	3.23
Dec 25	3.06
Nov 25	3.1
Nov 25	3.09
Nov 25	3.13
Nov 25	3.18
Oct 25	3.26
Oct 25	3.22
Oct 25	3.14
Oct 25	3.23
Oct 25	3.34
Sep 25	3.33
Sep 25	3.36
Sep 25	3.39
Sep 25	3.38
Aug 25	3.39
Aug 25	3.48
Aug 25	3.42
Aug 25	3.39
Aug 25	3.62
Jul 25	3.69
Jul 25	3.64
Jul 25	3.65
Jul 25	3.63
Jun 25	3.61
Jun 25	3.53
Jun 25	3.53
Jun 25	3.65
May 25	3.52
May 25	3.55
May 25	3.68
May 25	3.62
May 25	3.46
Apr 25	3.34
Apr 25	3.18
Apr 25	2.98
Apr 25	3
Mar 25	3.28
Mar 25	3.46
Mar 25	3.35
Mar 25	3.42
Feb 25	3.46
Feb 25	3.74
Feb 25	3.93
Feb 25	3.83
Jan 25	3.8
Jan 25	3.8
Jan 25	3.94
Jan 25	3.76
Jan 25	3.96
Dec 24	3.95
Dec 24	3.92
Dec 24	4.08
Dec 24	4.16
Nov 24	3.97
Nov 24	4.02
Nov 24	4.28
Nov 24	4.56
Nov 24	4.69
Oct 24	4.58
Oct 24	4.49

Free Cash Flow Yield

OPHC Free Cash Flow Yield by year
Period	Free Cash Flow Yield
Sep 26	24.36%
Sep 26	24.6%
Aug 26	24.6%
Aug 26	23.75%
Aug 26	22.52%
Aug 26	20.32%
Jul 26	24.35%
Jul 26	29.38%
Jul 26	30.7%
Jul 26	31%
Jul 26	32.3%
Jun 26	31.91%
Jun 26	31.64%
Jun 26	33.53%
Jun 26	33.65%
May 26	33.65%
May 26	33.47%
May 26	34.03%
May 26	26.72%
May 26	26.82%
Apr 26	27.06%
Apr 26	27.51%
Apr 26	27.97%
Apr 26	29.69%
Mar 26	28.56%
Mar 26	29.29%
Mar 26	27.56%
Mar 26	29.81%
Feb 26	28.08%
Feb 26	26.95%
Feb 26	27.72%
Feb 26	28.49%
Jan 26	30.61%
Jan 26	30.1%
Jan 26	30.22%
Jan 26	33.06%
Jan 26	34%
Dec 25	34%
Dec 25	33.52%
Dec 25	33.29%
Dec 25	35.16%
Nov 25	34.74%
Nov 25	34.82%
Nov 25	34.32%
Nov 25	40.28%
Oct 25	39.3%
Oct 25	39.78%
Oct 25	40.79%
Oct 25	39.69%
Oct 25	38.36%
Sep 25	38.54%
Sep 25	38.18%
Sep 25	37.82%
Sep 25	38%
Aug 25	37.82%
Aug 25	36.86%
Aug 25	37.47%
Aug 25	37.82%
Aug 25	28.7%
Jul 25	28.14%
Jul 25	28.57%
Jul 25	28.45%
Jul 25	28.63%
Jun 25	28.76%
Jun 25	29.41%
Jun 25	29.41%
Jun 25	28.45%
May 25	29.48%
May 25	29.28%
May 25	28.2%
May 25	30.73%
May 25	32.19%
Apr 25	33.33%
Apr 25	35.06%
Apr 25	37.38%
Apr 25	37.18%
Mar 25	33.97%
Mar 25	32.19%
Mar 25	33.25%
Mar 25	32.56%
Feb 25	32.19%
Feb 25	20.62%
Feb 25	19.61%
Feb 25	20.12%
Jan 25	20.3%
Jan 25	20.3%
Jan 25	19.57%
Jan 25	20.48%
Jan 25	19.45%
Dec 24	19.53%
Dec 24	19.65%
Dec 24	18.89%
Dec 24	18.51%
Nov 24	19.41%
Nov 24	19.17%
Nov 24	18.01%
Nov 24	16.89%
Nov 24	13.72%
Oct 24	14.08%
Oct 24	14.36%

Price to Sales

OPHC Price to Sales by year
Period	Price to Sales
Sep 26	1.38
Sep 26	1.37
Aug 26	1.37
Aug 26	1.41
Aug 26	1.49
Aug 26	1.43
Jul 26	1.19
Jul 26	0.99
Jul 26	0.95
Jul 26	0.94
Jul 26	0.9
Jun 26	0.91
Jun 26	0.92
Jun 26	0.87
Jun 26	0.86
May 26	0.86
May 26	0.87
May 26	0.85
May 26	0.92
May 26	0.92
Apr 26	0.91
Apr 26	0.9
Apr 26	0.88
Apr 26	0.83
Mar 26	0.86
Mar 26	0.84
Mar 26	0.9
Mar 26	0.83
Feb 26	0.88
Feb 26	0.92
Feb 26	0.89
Feb 26	0.87
Jan 26	0.81
Jan 26	0.82
Jan 26	0.82
Jan 26	0.75
Jan 26	0.73
Dec 25	0.73
Dec 25	0.74
Dec 25	0.74
Dec 25	0.7
Nov 25	0.71
Nov 25	0.71
Nov 25	0.72
Nov 25	0.7
Oct 25	0.72
Oct 25	0.71
Oct 25	0.69
Oct 25	0.71
Oct 25	0.74
Sep 25	0.73
Sep 25	0.74
Sep 25	0.75
Sep 25	0.74
Aug 25	0.75
Aug 25	0.77
Aug 25	0.75
Aug 25	0.75
Aug 25	0.8
Jul 25	0.82
Jul 25	0.81
Jul 25	0.81
Jul 25	0.81
Jun 25	0.8
Jun 25	0.78
Jun 25	0.78
Jun 25	0.81
May 25	0.78
May 25	0.79
May 25	0.82
May 25	0.74
May 25	0.71
Apr 25	0.68
Apr 25	0.65
Apr 25	0.61
Apr 25	0.61
Mar 25	0.67
Mar 25	0.71
Mar 25	0.68
Mar 25	0.7
Feb 25	0.71
Feb 25	0.73
Feb 25	0.77
Feb 25	0.75
Jan 25	0.74
Jan 25	0.74
Jan 25	0.77
Jan 25	0.74
Jan 25	0.78
Dec 24	0.77
Dec 24	0.77
Dec 24	0.8
Dec 24	0.82
Nov 24	0.78
Nov 24	0.79
Nov 24	0.84
Nov 24	0.9
Nov 24	0.86
Oct 24	0.83
Oct 24	0.82

EV/EBITDA

OPHC EV/EBITDA by year
Period	EV/EBITDA
Sep 26	2.63
Sep 26	2.59
Aug 26	2.59
Aug 26	2.73
Aug 26	2.95
Aug 26	0.48
Jul 26	-0.27
Jul 26	-0.91
Jul 26	-1.05
Jul 26	-1.08
Jul 26	-1.19
Jun 26	-1.16
Jun 26	-1.13
Jun 26	-1.3
Jun 26	-1.31
May 26	-1.31
May 26	-1.29
May 26	-1.34
May 26	0.17
May 26	0.16
Apr 26	0.13
Apr 26	0.09
Apr 26	0.04
Apr 26	-0.12
Mar 26	-0.02
Mar 26	-0.08
Mar 26	0.08
Mar 26	-0.13
Feb 26	0.03
Feb 26	-7.78
Feb 26	-7.86
Feb 26	-7.93
Jan 26	-8.12
Jan 26	-8.08
Jan 26	-8.09
Jan 26	-8.31
Jan 26	-8.38
Dec 25	-8.38
Dec 25	-8.34
Dec 25	-8.33
Dec 25	-8.45
Nov 25	-8.42
Nov 25	-8.43
Nov 25	-8.4
Nov 25	-6.61
Oct 25	-6.55
Oct 25	-6.58
Oct 25	-6.64
Oct 25	-6.57
Oct 25	-6.49
Sep 25	-6.5
Sep 25	-6.48
Sep 25	-6.46
Sep 25	-6.47
Aug 25	-6.46
Aug 25	-6.39
Aug 25	-6.43
Aug 25	-6.46
Aug 25	-3.85
Jul 25	-3.8
Jul 25	-3.84
Jul 25	-3.83
Jul 25	-3.84
Jun 25	-3.86
Jun 25	-3.91
Jun 25	-3.91
Jun 25	-3.83
May 25	-3.92
May 25	-3.9
May 25	-3.8
May 25	1.86
May 25	1.74
Apr 25	1.66
Apr 25	1.54
Apr 25	1.4
Apr 25	1.41
Mar 25	1.61
Mar 25	1.74
Mar 25	1.66
Mar 25	1.71
Feb 25	1.74
Feb 25	-1.85
Feb 25	-1.71
Feb 25	-1.78
Jan 25	-1.81
Jan 25	-1.81
Jan 25	-1.7
Jan 25	-1.83
Jan 25	-1.69
Dec 24	-1.7
Dec 24	-1.72
Dec 24	-1.6
Dec 24	-1.54
Nov 24	-1.68
Nov 24	-1.64
Nov 24	-1.46
Nov 24	-1.26
Nov 24	0.75
Oct 24	0.66
Oct 24	0.6

Price/Operating Cashflow

OPHC Price/Operating Cashflow by year
Period	Price/Operating Cashflow
Sep 26	4.06
Sep 26	4.02
Aug 26	4.02
Aug 26	4.16
Aug 26	4.39
Aug 26	4.82
Jul 26	4.03
Jul 26	3.34
Jul 26	3.19
Jul 26	3.16
Jul 26	3.03
Jun 26	3.07
Jun 26	3.1
Jun 26	2.92
Jun 26	2.91
May 26	2.91
May 26	2.93
May 26	2.88
May 26	3.68
May 26	3.67
Apr 26	3.64
Apr 26	3.58
Apr 26	3.52
Apr 26	3.31
Mar 26	3.44
Mar 26	3.36
Mar 26	3.57
Mar 26	3.3
Feb 26	3.5
Feb 26	3.66
Feb 26	3.56
Feb 26	3.46
Jan 26	3.22
Jan 26	3.28
Jan 26	3.27
Jan 26	2.99
Jan 26	2.9
Dec 25	2.9
Dec 25	2.94
Dec 25	2.96
Dec 25	2.81
Nov 25	2.84
Nov 25	2.83
Nov 25	2.88
Nov 25	2.43
Oct 25	2.5
Oct 25	2.47
Oct 25	2.4
Oct 25	2.47
Oct 25	2.56
Sep 25	2.54
Sep 25	2.57
Sep 25	2.59
Sep 25	2.58
Aug 25	2.59
Aug 25	2.66
Aug 25	2.62
Aug 25	2.59
Aug 25	3.27
Jul 25	3.33
Jul 25	3.28
Jul 25	3.3
Jul 25	3.27
Jun 25	3.26
Jun 25	3.19
Jun 25	3.19
Jun 25	3.3
May 25	3.18
May 25	3.2
May 25	3.32
May 25	3.05
May 25	2.91
Apr 25	2.81
Apr 25	2.67
Apr 25	2.51
Apr 25	2.52
Mar 25	2.76
Mar 25	2.91
Mar 25	2.82
Mar 25	2.88
Feb 25	2.91
Feb 25	4.39
Feb 25	4.61
Feb 25	4.5
Jan 25	4.46
Jan 25	4.46
Jan 25	4.62
Jan 25	4.42
Jan 25	4.65
Dec 24	4.63
Dec 24	4.6
Dec 24	4.79
Dec 24	4.89
Nov 24	4.66
Nov 24	4.72
Nov 24	5.02
Nov 24	5.36
Nov 24	6.33
Oct 24	6.17
Oct 24	6.05

Price to Book

OPHC Price to Book by year
Period	Price to Book
Sep 26	0.81
Sep 26	0.8
Aug 26	0.8
Aug 26	0.83
Aug 26	0.87
Aug 26	0.86
Jul 26	0.72
Jul 26	0.59
Jul 26	0.57
Jul 26	0.56
Jul 26	0.54
Jun 26	0.55
Jun 26	0.55
Jun 26	0.52
Jun 26	0.52
May 26	0.52
May 26	0.52
May 26	0.51
May 26	0.54
May 26	0.54
Apr 26	0.53
Apr 26	0.52
Apr 26	0.51
Apr 26	0.48
Mar 26	0.5
Mar 26	0.49
Mar 26	0.52
Mar 26	0.48
Feb 26	0.51
Feb 26	0.54
Feb 26	0.52
Feb 26	0.51
Jan 26	0.47
Jan 26	0.48
Jan 26	0.48
Jan 26	0.44
Jan 26	0.43
Dec 25	0.43
Dec 25	0.43
Dec 25	0.44
Dec 25	0.41
Nov 25	0.42
Nov 25	0.42
Nov 25	0.42
Nov 25	0.42
Oct 25	0.43
Oct 25	0.43
Oct 25	0.42
Oct 25	0.43
Oct 25	0.44
Sep 25	0.44
Sep 25	0.44
Sep 25	0.45
Sep 25	0.45
Aug 25	0.45
Aug 25	0.46
Aug 25	0.45
Aug 25	0.45
Aug 25	0.49
Jul 25	0.5
Jul 25	0.49
Jul 25	0.49
Jul 25	0.49
Jun 25	0.49
Jun 25	0.48
Jun 25	0.48
Jun 25	0.49
May 25	0.48
May 25	0.48
May 25	0.5
May 25	0.46
May 25	0.44
Apr 25	0.43
Apr 25	0.4
Apr 25	0.38
Apr 25	0.38
Mar 25	0.42
Mar 25	0.44
Mar 25	0.43
Mar 25	0.44
Feb 25	0.44
Feb 25	0.47
Feb 25	0.5
Feb 25	0.48
Jan 25	0.48
Jan 25	0.48
Jan 25	0.5
Jan 25	0.48
Jan 25	0.5
Dec 24	0.5
Dec 24	0.5
Dec 24	0.52
Dec 24	0.53
Nov 24	0.5
Nov 24	0.51
Nov 24	0.54
Nov 24	0.58
Nov 24	0.52
Oct 24	0.51
Oct 24	0.5

No video analysis for this stock yet. Request one from our team.

News: OPHC

zacks.com · 9 Sep 2026

Best Value Stocks to Buy for September 9th

BP, OPHC and CRD.B made it to the Zacks Rank #1 (Strong Buy) value stocks list on September 9, 2026.

zacks.com · 31 Aug 2026

OptimumBank (OPHC) Upgraded to Strong Buy: Here's What You Should Know

OptimumBank (OPHC) might move higher on growing optimism about its earnings prospects, which is reflected by its upgrade to a Zacks Rank #1 (Strong Buy).

zacks.com · 31 Aug 2026

Best Value Stocks to Buy for August 31st

HRTG, MCY and OPHC made it to the Zacks Rank #1 (Strong Buy) value stocks list on August 31, 2026.

zacks.com · 26 Aug 2026

Best Momentum Stocks to Buy for August 26th

BTSG, ANIK and OPHC made it to the Zacks Rank #1 (Strong Buy) momentum stocks list on August 26th, 2026.

zacks.com · 26 Aug 2026

New Strong Buy Stocks for August 26th

BTSG, OPHC, HRTG, UMC and MTG have been added to the Zacks Rank #1 (Strong Buy) List on August 26th, 2026.

zacks.com · 19 Aug 2026

5 Stocks With Recent Price Strength to Enhance Your Portfolio Returns

Five stocks, including EDRY, OPHC, FET, ANIK and NESR, show strong recent price gains and earnings growth as markets rally.

zacks.com · 19 Aug 2026

5 Value Stocks With Alluring EV-to-EBITDA Ratios to Scoop Up

AMCX, LCUT, OPHC, ENS and FAF stand out with attractive EV-to-EBITDA ratios and strong earnings outlook.

zacks.com · 14 Aug 2026

4 High-Flying Stocks With Increasing Cash Flows to Buy Now

Rising cash flows and stronger earnings estimates put National Energy Services, Huron Consulting, Forum Energy and OptimumBank in focus.