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 Mar 26
- The company has declared positive results for the last 3 consecutive quarters
- OPERATING CASH FLOW(Y) Highest at USD 22.58 MM
- GROSS NPA (%)(Q) Lowest at 0.2%
- NII(Q) Highest at USD 13.19 MM
3
With ROA of 0.80%, it has a attractive valuation with a 0.52 Price to Book Value
- Over the past year, while the stock has generated a return of 26.15%, 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 in long term as well as near term
- Along with generating 26.15% returns in the last 1 year, the stock has outperformed S&P 500 in the last 3 years, 1 year and 3 months
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.
26.15%
0.98
29.08%
S&P 500
20.34%
1.56
13.03%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
57.17%
EBIT Growth (5y)
97.08%
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
19.35%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
4
Industry P/E
Price to Book Value
0.52
EV to EBIT
-0.19
EV to EBITDA
-0.18
EV to Capital Employed
-0.07
EV to Sales
-0.06
PEG Ratio
0.35
Dividend Yield
NA
ROCE (Latest)
Negative Capital Employed
ROE (Latest)
13.66%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
No Trend
No Trend
OBV
Mildly Bearish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend17What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 22.58 MM
GROSS NPA (%)
(Q
NII(Q)
Highest at USD 13.19 MM
ROCE(HY)
Highest at 1.55%
NET SALES(Q)
Highest at USD 19.45 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 99.7%
-3What is not working for the Company
ROCE(HY)
Lowest at 1.55%
CASH AND EQV(HY)
Lowest at USD 24.42 MM
Here's what is working for OptimumBank Holdings, Inc.
Non Performing Loans (%)
Lowest at 0.2% and Fallen
In each half year in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
NII
Highest at USD 13.19 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 22.58 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Net Sales
Highest at USD 19.45 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (USD MM)
Net Sales
At USD 19.45 MM has Grown at 29.63%
Year on Year (YoY)MOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Credit Deposit Ratio
Highest at 99.7%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Here's what is not working for OptimumBank Holdings, Inc.
Cash and Eqv
Lowest at USD 24.42 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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