OPHC Share Price | OptimumBank Holdings, Inc. Stock Analysis & Recommendation

Q: What does OptimumBank Holdings, Inc. do?

Overview:OptimumBank Holdings, Inc. serves as a bank holding company for OptimumBank, providing community banking services in the regional banks industry.Financial Snapshot:- Most recent Net Sales: 15 Million (Quarterly Results - Mar 2025)- Most recent Net Profit: 4 Million (Quarterly Results - Mar 2025)- Market-cap: USD 51.82 Million (Micro Cap)Key Metrics:- P/E: 4.00- Dividend Yield: 0.00%- Debt Equity: 0.00- Return on Equity: 13.54%- Price to Book: 0.48Contact Details:- Address: 2477 E Commercial Blvd, FORT LAUDERDALE FL: 33308-4041- Tel: 1 954 7762332- Website: http://www.optimumbank.com/

Q: Is OptimumBank Holdings, Inc. technically bullish or bearish?

As of 1 October 2023, the technical data for OptimumBank Holdings, Inc. is insufficient to form a view on whether it is bullish or bearish.

Q: Is OptimumBank Holdings, Inc. overvalued or undervalued?

As of 15 October 2023, OptimumBank Holdings, Inc. has moved from fair to attractive. The company appears to be undervalued based on its current financial metrics. Key ratios include a price-to-earnings ratio of 12.5, a price-to-book ratio of 1.1, and a return on equity of 8.3%. When compared to its peers, such as First Horizon Corporation with a price-to-earnings ratio of 14.0 and Regions Financial Corporation at 1.3 for price-to-book, OptimumBank's ratios suggest it is trading at a discount relative to its competitors. Additionally, recent stock performance indicates that OptimumBank has outperformed the Sensex, reinforcing the notion that it may be undervalued in the current market environment.

Price Point

High/Low

1Day

52 Week

Valuation

Technical

Day's Volume

CASH

1.47 k

Shareholding (Dec 2025)

FII

0.07%

Held by 3 FIIs

DII

94.99%

Held by 5 DIIs

Promoter

0.00%

What does OptimumBank Holdings, Inc. do?

22-Jun-2025

OptimumBank Holdings, Inc. is a bank holding company for OptimumBank, offering community banking services. As of March 2025, it reported net sales of $15 million and a net profit of $4 million, with a market cap of $51.82 million.

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Who are in the management team of OptimumBank Holdings, Inc.?

22-Jun-2025

As of March 2022, the management team of OptimumBank Holdings, Inc. includes Mr. Moishe Gubin (Independent Chairman), Mr. Heng Fai Chan, Mr. Thomas Procelli, Mr. Martin Schmidt, Avi Zwelling, and Joel Klein (Independent Director), who oversee the company's strategic direction and governance.

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Is OptimumBank Holdings, Inc. technically bullish or bearish?

25-Jun-2025

As of October 1, 2023, there is insufficient technical data for OptimumBank Holdings, Inc. to determine a bullish or bearish outlook.

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Is OptimumBank Holdings, Inc. overvalued or undervalued?

25-Jun-2025

As of October 15, 2023, OptimumBank Holdings, Inc. is considered attractive and undervalued, with a price-to-earnings ratio of 12.5 and a price-to-book ratio of 1.1, indicating it trades at a discount compared to peers like First Horizon Corporation and Regions Financial Corporation.

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Compare OptimumBank Holdings, Inc. with Similar Stocks

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Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Dashboard

Strong Long Term Fundamental Strength with a 79.10% CAGR growth in Net Profits

High Margins signify the bank has been able to generate higher profits from its interest bearing assets

With a growth in Interest of NAN%, the company declared Very Positive results in Dec 25

With ROA of 1.21%, it has a attractive valuation with a 0.54 Price to Book Value

Majority shareholders : Mutual Funds

Market Beating Performance

Mojo Parameters

Stock DNA

Industry

Regional Banks

Market cap

USD 66 Million (Micro Cap)

P/E

4.00

Industry P/E

Dividend Yield

0.00%

Debt Equity

0.00

Return on Equity

13.66%

Price to Book

0.54

Revenue and Profits:

Net Sales:

17 Million

(Quarterly Results - Dec 2025)

Net Profit:

5 Million

Total Returns

Total Returns (Price + Dividend)

TimePeriod

Price Return

Dividend Return

Total Return

3 Months

26.25%

6 Months

28.53%

1 Year

25.29%

2 Years

24.42%

3 Years

62.7%

4 Years

24.71%

5 Years

43.05%

OptimumBank Holdings, Inc. for the last several years.

Risk Adjusted Returns v/s

News & Corporate Actions

News

No Recent News for the Company

Announcements

No announcement available

Corporate Actions

No corporate action available

Key Factors

Quality key factors

Factor

Value

Sales Growth (5y)

57.17%

EBIT Growth (5y)

97.49%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

Pledged Shares

Institutional Holding

19.91%

ROCE (avg)

ROE (avg)

Valuation key factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

0.54

EV to EBIT

-0.08

EV to EBITDA

-0.07

EV to Capital Employed

-0.03

EV to Sales

-0.03

PEG Ratio

0.36

Dividend Yield

ROCE (Latest)

Negative Capital Employed

ROE (Latest)

13.66%

Technicals key factors

Indicator

Weekly

Monthly

MACD

Bullish

RSI

Bearish

No Signal

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Bullish

Mildly Bearish

Dow Theory

No Trend

OBV

No Trend

Mildly Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Shareholding

Shareholding Snapshot : Dec 2025

Shareholding Compare (%holding)

Majority shareholders

Domestic Funds

Held in 5 Schemes (4.94%)

Foreign Institutions

Held by 3 Foreign Institutions (0.07%)

Strategic Entities with highest holding

Highest Public shareholder

Financial

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Company CV

About OptimumBank Holdings, Inc.

OptimumBank Holdings, Inc.

Regional Banks

OptimumBank Holdings, Inc. serves as a bank holding company for OptimumBank (the Bank). The Bank provides a range of community banking services to individuals and corporate customers through over three banking offices located in Broward County, Florida. The Bank provides a range of consumer and commercial banking services to individuals and businesses. Its services include demand interest-bearing and non-interest-bearing accounts, negotiable order of withdrawal (NOW) account, money market deposit accounts, Visa debit and automated teller machine (ATM) cards, cash management, direct deposits, notary services, money orders, night depository, cashier's checks, domestic collections, drive-in tellers and banking by mail. The Bank offers Internet banking services through its Website, www.optimumbank.com. The Bank has over eight wholly owned subsidiaries primarily engaged in holding and disposing foreclosed real estate, and a subsidiary primarily engaged in managing foreclosed real estate.

Company Coordinates

Company Details

2477 E Commercial Blvd , FORT LAUDERDALE FL : 33308-4041

Tel: 1 954 7762332

http://www.optimumbank.com/

Registrar Details