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StockVS

NYSE American · Banks - Regional · USD

OptimumBank Holdings, Inc. (OPHC) Stock Analysis

OptimumBank Holdings, Inc. (OPHC) is a Banks - Regional stock listed on NYSE American and quoted in US Dollar.

Last Updated: October 21, 2026

OPHC

$8.77

+$0.10 (+1.15%)

Oct 21, 2026 · Market close

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Price History

Hover for the daily close. The dotted line marks the period open.

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OPHC Key Statistics

As of Oct 21, 2026
Trading
Open
$8.70
Previous Close
$8.67
Day's Range
8.43–8.80
52-Week Range
3.92–10.68
Volume
60.49K
BetaHow much the share price moves relative to the wider market. 1.0 moves in line with it; above 1.0 swings more, below 1.0 less.
0.31
Valuation
Market Cap
$110.77M
P/E Ratio
10.08
Forward P/EShare price divided by forecast earnings for the year ahead, rather than the year just past.
6.50
PEG RatioThe P/E ratio divided by the expected earnings growth rate. It puts a high P/E in the context of how fast profits are growing.
1.03
P/S ratioMarket value divided by annual revenue. Useful for companies that are not yet profitable, where a P/E cannot be calculated.
1.95
EPS (ttm)Profit attributable to each share over the last twelve months.
0.87
Financials (FY)
Revenue (FY)
$49.36M+25.56%
Net Income (FY)
$16.65M+26.85%
Profit marginThe share of revenue left as profit after all costs and taxes.
36.02%
Shares OutstandingThe total number of shares held by all investors. Market value is this figure multiplied by the share price.
12.63M
1-Year Return
+124.30%
Dividend and dates
Earnings Date
October 23, 2026estimated
Avg Volume
129.81K

Only metrics the company reports are shown. Data provided by Yahoo Finance via yfinance. Updated daily.

Key facts

As of October 21, 2026, OPHC closed at $8.77, +124.30% over 1 year.

OptimumBank Holdings, Inc. (OPHC) has a market capitalization of $110.77M.

In fiscal 2025, OPHC reported revenue of $49.36M.

OPHC Stock Return by Calendar Year

OptimumBank Holdings, Inc. (OPHC) 10-year return: what $10,000 became

1 year
$10,000 $22,430
+124.30%
5 years
$10,000 $16,004
+60.04%
10 years
$10,000 $21,980
+119.80%

If you had invested $10,000 in OptimumBank Holdings, Inc. (OPHC) 10 years ago, at the close on October 21, 2016, it would have been worth $21,980 at the close on October 21, 2026: +119.80% in total, +8.19% a year. A historical calculation from closing prices adjusted for splits and dividends, before fees and taxes.

Calendar-year returns computed from daily closing prices. Partial years are shown muted and marked with an asterisk.

YearReturn
2026 (partial year)+106.35%
2025−10.71%
2024+13.88%
2023+2.20%
2022+4.07%
2021+16.62%
2020+21.66%
2019−7.67%
2018−36.17%
2017+24.34%
2016 (partial year)−10.00%

As of October 21, 2026.

OPHC Revenue and Earnings by Fiscal Year

FY ends December
Fiscal yearRevenueNet incomeNet margin
2025$49.36M$16.65M33.7%
2024$39.31M$13.12M33.4%
2023$27.17M$6.28M23.1%
2022$18.80M$4.02M21.4%
Fiscal yearRevenueGross profitOperating incomeNet incomeNet margin
2025$49.36M——$16.65M33.7%
2024$39.31M——$13.12M33.4%
2023$27.17M——$6.28M23.1%
2022$18.80M——$4.02M21.4%

Annual figures as reported, in the company's reporting currency. As of December 31, 2025.

OPHC Valuation vs Banks - Regional Median

Median of 326 stocks
MetricOPHCBanks - Regional medianvs median
P/E10.0812.0316% below
P/S ratio1.953.5846% below
Profit margin36.02%29.44%6.6 pts above

Medians across 326 Banks - Regional stocks that report the metric. Medians, not averages, so one outlier cannot move them. As of October 21, 2026.

Recent News

All 7 articles ↓

News provided by third-party sources. Not financial advice.

Analysis

Data-derived

Company Overview

OptimumBank Holdings, Inc. (OPHC) is capitalised at $110.77M on the latest close. The company sits in the Financial Services sector, in the Banks - Regional industry. The company reports 98 employees.

The most recent close on file for OPHC is $8.77, dated October 21, 2026. That is +$0.10 (+1.15%) against the previous close. Over the past 52 weeks the price has ranged from $3.92 to $10.68. The latest close sits 123.72% above that 52-week low.

Financial Health

Fiscal 2025 revenue came to $49.36M. That is +25.56% against the prior fiscal year, when revenue was $39.31M. Net income for the same year was $16.65M. That is +26.85% against the prior fiscal year. The reported profit margin is 36.02%. That is 6.6 percentage points above the Banks - Regional median of 29.44%. Trailing earnings per share are 0.87.

Across the 4 fiscal years on file, revenue moves from $18.80M in 2022 to $49.36M in 2025. Of those 4 years, 4 report positive net income.

Valuation Assessment

OPHC trades at a trailing price-to-earnings ratio of 10.08. That is 16.21% below the Banks - Regional median of 12.03. The forward P/E on file is 6.5. The PEG ratio, which sets the P/E against expected earnings growth, reads 1.03. The price-to-sales ratio is 1.95. On price-to-sales that is 45.59% below the Banks - Regional median of 3.58. The medians here are taken across 326 Banks - Regional companies that report the metric.

Over the trailing twelve months the total return is +124.30%. Measured over 10 years, that is +8.19% a year compounded. The reported beta is 0.31. Annualized volatility over the trailing 10 years is 100.86%.

Growth & Income

No dividend is on file for OPHC.

2026 is still running; the total return is +106.35% year to date. The strongest complete calendar year on file is 2017 at +24.34%; the weakest is 2018 at −36.17%. Of the 9 complete calendar years on file, 6 finished higher.

Peer Comparison

OptimumBank Holdings, Inc. (OPHC) operates in the Banks - Regional industry. Here is how it compares to its closest peers by market capitalization:

Company Ticker Market Cap P/E Ratio
OptimumBank Holdings, Inc. OPHC $110.77M 10.1
Mizuho Financial Group, Inc. MFG $120.84B 13.7
HDFC Bank Limited HDB $116.51B 14.6
Itaú Unibanco Holding S.A. ITUB $106.91B 12.4

The Banks - Regional industry average P/E ratio is 12.0x. OptimumBank Holdings, Inc. trades at a P/E of 10.1.

Every figure above is read from this page's own data on each daily rebuild. Informational only, not financial advice. As of October 21, 2026.

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About OptimumBank Holdings, Inc.

OptimumBank Holdings, Inc. operates as the bank holding company for OptimumBank, which provides various consumer and commercial banking services to individuals and businesses. The company accepts interest-bearing and noninterest-bearing, savings, money market, and NOW accounts, as well as time deposits, wire transfers, ACH services, and certificates of deposit. It also offers multi-family real estate, residential and commercial real estate, and land and construction loans; commercial loans for working capital purposes or acquiring equipment, inventory, and furniture; and consumer loans for various purposes, including purchases of automobiles, recreational vehicles, boats, home improvements, lines of credit, personal, and deposit account collateralized loans. In addition, the company provides debit and ATM cards; cash management, notary, and night depository services; and direct deposits, money orders, cashier's checks, domestic collections, and banking by mail. OptimumBank Holdings, Inc. was founded in 2000 and is headquartered in Fort Lauderdale, Florida.

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