ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is OptimumBank Holdings, Inc. ?
1
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
2
With a growth in Interest of NAN%, the company declared Very Positive results in Dec 25
- The company has declared positive results for the last 18 consecutive quarters
- NII(Q) Highest at USD 11.87 MM
- ROCE(HY) Highest at 1.63%
- GROSS NPA (%)(Q) Lowest at 0.3%
3
With ROA of 1.21%, it has a attractive valuation with a 0.54 Price to Book Value
- Over the past year, while the stock has generated a return of 25.76%, its profits have risen by 26.8% ; the PEG ratio of the company is 0.4
4
Majority shareholders : Mutual Funds
5
Market Beating Performance
- The stock has generated a return of 25.76% in the last 1 year, much higher than market (S&P 500) returns of 13.68%
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?
Medium Risk, Medium Return
Absolute
Risk Adjusted
Volatility
OptimumBank Holdings, Inc.
25.29%
0.67
30.20%
S&P 500
13.68%
0.71
19.28%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
57.17%
EBIT Growth (5y)
97.49%
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
19.91%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
4
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
NA
ROCE (Latest)
Negative Capital Employed
ROE (Latest)
13.66%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
Bearish
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
No Trend
No Trend
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend14What is working for the Company
NII(Q)
Highest at USD 11.87 MM
ROCE(HY)
Highest at 1.63%
GROSS NPA (%)
(Q
NET SALES(Q)
Highest at USD 17.44 MM
OPERATING PROFIT(Q)
Highest at USD 6.46 MM
OPERATING PROFIT MARGIN(Q)
Highest at 37.03 %
PRE-TAX PROFIT(Q)
Highest at USD 6.46 MM
NET PROFIT(Q)
Highest at USD 4.85 MM
-3What is not working for the Company
ROCE(HY)
Lowest at 1.63%
CASH AND EQV(HY)
Lowest at USD 18.62 MM
Here's what is working for OptimumBank Holdings, Inc.
NII
Highest at USD 11.87 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Non Performing Loans (%)
Lowest at 0.3%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
Net Sales
Highest at USD 17.44 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 6.46 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 37.03 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 6.46 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 4.85 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Here's what is not working for OptimumBank Holdings, Inc.
Cash and Eqv
Lowest at USD 18.62 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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