OptimumBank Holdings, Inc.

ASE: OPHC

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📈 ZcoreAI Score

Our AI model analyzes OptimumBank Holdings, Inc.'s price action across multiple timeframes using regression channels and statistical scoring.

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About OptimumBank Holdings, Inc.

Financial Services Banks - Regional

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.

📊 Fundamental Analysis

OptimumBank Holdings, Inc. demonstrates exceptional profitability, with a profit margin of 35.2%.

The company recently reported 36.2% revenue growth, which is well above average for the Financial Services sector.

Return on Equity (ROE) is 14.8%, which exceeds the Financial Services sector average, reflecting efficient capital allocation.

At a current price of $5.34, OPHC currently trades near the top of its 52-week range (86%) (Range: $3.76 - $5.59).

💰 Valuation Insight

OPHC trades at a 37.3% discount (PE: 7.52), which may represent a value opportunity given the sector average of 12.00. Analysts expect earnings growth, as indicated by a lower forward PE.

🏥 Financial Health

✅ Profit Margin Excellent

✅ Revenue Growth Excellent

⚠️ Return on Equity Moderate

✅ Beta (Risk) Low Volatility

Key Financials

Market Cap

$64.97M

Trailing P/E

7.52

Forward P/E

4.99

Beta (5Y)

0.28

52W High

$5.59

52W Low

$3.76

Avg Volume

31K

Day High

Day Low

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