ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is OptimumBank Holdings, Inc. ?
1
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 70.68%
2
The company has declared Positive results for the last 18 consecutive quarters
- NII(Q) Highest at USD 10.24 MM
- OPERATING CASH FLOW(Y) Highest at USD 19.27 MM
- ROCE(HY) Highest at 1.55%
3
With ROA of 1.20%, it has a attractive valuation with a 0.50 Price to Book Value
- Over the past year, while the stock has generated a return of -14.02%, its profits have risen by 87.7% ; the PEG ratio of the company is 0.2
4
Increasing Participation by Institutional Investors
- Institutional investors have increased their stake by 1.91% over the previous quarter and collectively hold 16.78% of the company
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to OptimumBank Holdings, Inc. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is OptimumBank Holdings, Inc. for you?
Low Risk, Low Return
Absolute
Risk Adjusted
Volatility
OptimumBank Holdings, Inc.
-20.74%
-0.24
28.43%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
60.01%
EBIT Growth (5y)
90.01%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
16.78%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
4
Industry P/E
Price to Book Value
0.50
EV to EBIT
-4.26
EV to EBITDA
-4.13
EV to Capital Employed
3.05
EV to Sales
-1.32
PEG Ratio
0.23
Dividend Yield
NA
ROCE (Latest)
-71.49%
ROE (Latest)
13.54%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bearish
Moving Averages
Mildly Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
No Trend
No Trend
OBV
Mildly Bullish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend9What is working for the Company
NII(Q)
Highest at USD 10.24 MM
OPERATING CASH FLOW(Y)
Highest at USD 19.27 MM
ROCE(HY)
Highest at 1.55%
-4What is not working for the Company
ROCE(HY)
Lowest at 1.55%
CREDIT DEPOSIT RATIO(HY)
Lowest at 89.19%
EPS(Q)
Lowest at USD 0.29
Here's what is working for OptimumBank Holdings, Inc.
NII
Highest at USD 10.24 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Operating Cash Flow
Highest at USD 19.27 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Here's what is not working for OptimumBank Holdings, Inc.
EPS
Lowest at USD 0.29
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (USD)
Credit Deposit Ratio
Lowest at 89.19%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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