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

Optima bank S.A.

€12.69 +$4.91 (+63.11%)

ATH · 15 Sep 2026 14:16 UTC

Previous Close

€13

Day Range

€12.6€13.14

Year Range

€7.52€13.42

Market Cap

2.81B

AVG Volume

325.76K

Trailing/Forward PE

14.59/10.57

PEG ratio

0.62

Dividend Yield

1.81%

Next Earnings Date

2026-12-02

Primary Exchange

Athens Stock Exchange

Revenue (EUR)

OPTIMA.AT Revenue (EUR) by year
Period	Revenue (EUR)
2025	157.87M

Net Income (EUR)

OPTIMA.AT Net Income (EUR) by year
Period	Net Income (EUR)
2025	170M

Operating Income (EUR)

OPTIMA.AT Operating Income (EUR) by year
Period	Operating Income (EUR)
2025	205.3M

EBITDA (EUR)

OPTIMA.AT EBITDA (EUR) by year
Period	EBITDA (EUR)
2025	208.05M

Cash Flows (EUR)

OPTIMA.AT Cash Flows (EUR) by year
Period	Cash Flows (EUR)
2025	191.2M

EPS (EUR)

OPTIMA.AT EPS (EUR) by year
Period	EPS (EUR)
2025	0.77

Expenses (EUR)

OPTIMA.AT Expenses (EUR) by year
Period	Expenses (EUR)
2025	38.17M

Cash & Debt (EUR)

OPTIMA.AT Cash & Debt (EUR) by year
Period	Cash & Debt (EUR)
2025	683.84M

Debt ratios

OPTIMA.AT Debt ratios by year
Period	Debt ratios
2025	2.4

Margins

OPTIMA.AT Margins by year
Period	Margins
2025	41%

Return on Capital

OPTIMA.AT Return on Capital by year
Period	Return on Capital
2025	23.1%

Shares Outstanding

OPTIMA.AT Shares Outstanding by year
Period	Shares Outstanding
2025	221.07M

Dividends (EUR)

OPTIMA.AT Dividends (EUR) by year
Period	Dividends (EUR)
2026	0.23
2025	0.19
2024	0.15

Book Value Per Share (EUR)

OPTIMA.AT Book Value Per Share (EUR) by year
Period	Book Value Per Share (EUR)
2025	3.33

Total Assets (EUR)

OPTIMA.AT Total Assets (EUR) by year
Period	Total Assets (EUR)
2025	7.56B

PE Ratio

OPTIMA.AT PE Ratio by year
Period	PE Ratio
Sep 26	15.72
Sep 26	16.22
Sep 26	14.74
Aug 26	14.86
Aug 26	14.69
Aug 26	13.87
Aug 26	13.44
Jul 26	12.91
Jul 26	12.63
Jul 26	12.57
Jul 26	12.82
Jul 26	12.7
Jun 26	12.98
Jun 26	13.52
Jun 26	13.65
Jun 26	13.25
May 26	13.84
May 26	13.54
May 26	13.21
May 26	11.83
Apr 26	11.52
Apr 26	11.81
Apr 26	12.52
Apr 26	11.57
Apr 26	10.92

Free Cash Flow Yield

OPTIMA.AT Free Cash Flow Yield by year
Period	Free Cash Flow Yield
Sep 26	6.92%
Sep 26	6.7%
Sep 26	7.38%
Aug 26	7.32%
Aug 26	7.41%
Aug 26	7.84%
Aug 26	8.09%
Jul 26	8.43%
Jul 26	8.61%
Jul 26	8.65%
Jul 26	8.49%
Jul 26	8.57%
Jun 26	8.67%
Jun 26	8.32%
Jun 26	8.24%
Jun 26	8.49%
May 26	8.13%
May 26	8.31%
May 26	8.51%
May 26	9.5%
Apr 26	9.76%
Apr 26	9.52%
Apr 26	8.98%
Apr 26	9.72%
Apr 26	10.3%

Price to Sales

OPTIMA.AT Price to Sales by year
Period	Price to Sales
Sep 26	15.87
Sep 26	16.38
Sep 26	14.88
Aug 26	15
Aug 26	14.83
Aug 26	14
Aug 26	13.57
Jul 26	13.03
Jul 26	12.75
Jul 26	12.69
Jul 26	12.94
Jul 26	12.82
Jun 26	13.98
Jun 26	14.56
Jun 26	14.7
Jun 26	14.27
May 26	14.9
May 26	14.58
May 26	14.23
May 26	12.74
Apr 26	12.41
Apr 26	12.72
Apr 26	13.49
Apr 26	12.46
Apr 26	11.76

EV/EBITDA

OPTIMA.AT EV/EBITDA by year
Period	EV/EBITDA
Sep 26	12.25
Sep 26	12.66
Sep 26	11.45
Aug 26	11.55
Aug 26	11.41
Aug 26	10.74
Aug 26	10.39
Jul 26	9.96
Jul 26	9.74
Jul 26	9.69
Jul 26	9.89
Jul 26	9.79
Jun 26	9.49
Jun 26	9.94
Jun 26	10.04
Jun 26	9.71
May 26	10.19
May 26	9.95
May 26	9.68
May 26	8.56
Apr 26	8.3
Apr 26	8.53
Apr 26	9.12
Apr 26	8.34
Apr 26	7.81

Price/Operating Cashflow

OPTIMA.AT Price/Operating Cashflow by year
Period	Price/Operating Cashflow
Sep 26	14.33
Sep 26	14.79
Sep 26	13.43
Aug 26	13.55
Aug 26	13.39
Aug 26	12.64
Aug 26	12.25
Jul 26	11.76
Jul 26	11.51
Jul 26	11.46
Jul 26	11.68
Jul 26	11.57
Jun 26	11.43
Jun 26	11.91
Jun 26	12.02
Jun 26	11.67
May 26	12.18
May 26	11.92
May 26	11.63
May 26	10.42
Apr 26	10.15
Apr 26	10.4
Apr 26	11.03
Apr 26	10.19
Apr 26	9.62

Price to Book

OPTIMA.AT Price to Book by year
Period	Price to Book
Sep 26	3.53
Sep 26	3.65
Sep 26	3.31
Aug 26	3.34
Aug 26	3.3
Aug 26	3.12
Aug 26	3.02
Jul 26	2.9
Jul 26	2.84
Jul 26	2.83
Jul 26	2.88
Jul 26	2.85
Jun 26	3
Jun 26	3.12
Jun 26	3.15
Jun 26	3.06
May 26	3.2
May 26	3.13
May 26	3.05
May 26	2.73
Apr 26	2.66
Apr 26	2.73
Apr 26	2.89
Apr 26	2.67
Apr 26	2.52
Mar 26	2.64
Mar 26	2.6
Mar 26	2.77
Mar 26	2.7
Feb 26	3.09
Feb 26	3.05
Feb 26	2.99
Feb 26	3.05
Jan 26	2.73
Jan 26	2.62
Jan 26	2.64
Jan 26	2.52
Jan 26	2.46
Dec 25	2.58
Dec 25	2.55
Dec 25	2.64
Dec 25	2.66
Nov 25	2.59
Nov 25	2.62
Nov 25	2.65
Nov 25	2.6
Oct 25	2.7
Oct 25	2.66
Oct 25	2.77
Oct 25	2.9
Oct 25	2.96
Sep 25	2.76
Sep 25	2.78
Sep 25	2.73
Sep 25	2.61
Aug 25	2.62
Aug 25	2.67
Aug 25	2.72
Aug 25	2.59
Aug 25	2.38
Jul 25	2.4
Jul 25	2.45
Jul 25	2.52
Jul 25	2.28

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Optima bank S.A.

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