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    O

    OptimumBank Holdings, Inc. (OPHC)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • AMEX

    $8.99
    -0.01 (-0.11%)

    Market Cap: $113.67M

    Last updated: Oct 16, 2026 at 1:55 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    90%(9/10)
    Avg Surprise
    +135.09%
    Streak
    1 Q

    Upcoming Estimates

    Period ending Sep 30, 2026
    EPS Consensus$0.33
    Range$0.25 - $0.40
    2 analysts
    EPS Revisions
    1
    0
    7d
    1
    0
    30d
    EPS Estimate DriftChange to current
    90d ago$0.25+30.0%
    60d ago$0.25+30.0%
    30d ago$0.25+30.0%
    7d ago$0.330.0%
    Current$0.33
    Revenue Consensus
    $0
    Range$0 - $0
    0 analysts
    Period ending Dec 31, 2026
    EPS Consensus$0.44
    Range$0.20 - $0.68
    2 analysts
    Revenue Consensus
    $0
    Range$0 - $0
    0 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$0.44---
    Sep 26EST
    		-$0.33---
    Jun 26
    Reported Jul 24
    		$0.28$0.20+40.00%Beat-3.4%
    Mar 26
    Reported Apr 24
    		$0.20$0.23-13.04%Miss-37.5%
    Dec 25
    Reported Feb 2
    		$0.21$0.20+5.00%Beat-84.2%
    Sep 25
    Reported Nov 10
    		$0.18$0.15+20.00%Beat-43.8%
    Jun 25
    Reported Aug 6
    		$0.29$0.15+93.33%Beat-14.7%
    Mar 25
    Reported May 12
    		$0.32$0.17+88.24%Beat+2.8%
    Dec 24
    Reported Feb 26
    		$1.33$0.16+731.25%Beat+278.3%
    Sep 24
    Reported Nov 8
    		$0.32$0.16+100.00%Beat+82.9%
    Jun 24
    Reported Aug 5
    		$0.34$0.15+126.67%Beat+87.8%
    Mar 24
    Reported May 13
    		$0.31$0.12+159.50%Beat+94.6%
    Dec 23
    Reported Mar 8
    		$0.35N/AN/ABeat+60.1%
    Sep 23
    Reported Nov 9
    		$0.17N/AN/ABeat+57.7%
    Jun 23
    Reported Aug 9
    		$0.18N/AN/ABeat+13.1%
    Mar 23
    Reported May 11
    		$0.16$0.00N/ABeat-5.9%
    Dec 22
    Reported Mar 6
    		$0.22$0.00N/ABeat-77.1%
    Sep 22
    Reported Nov 11
    		$0.11N/AN/ABeat-47.1%
    Jun 22
    Reported Aug 8
    		$0.16N/AN/ABeat+14.3%
    Mar 22
    Reported May 11
    		$0.17N/AN/ABeat+54.5%
    Dec 21
    Reported Mar 8
    		$0.96N/AN/ABeat+700.0%
    Sep 21
    Reported Nov 9
    		$0.21N/AN/ABeat+223.5%
    Jun 21
    Reported Aug 11
    		$0.14N/AN/ABeat+216.7%
    Mar 21
    Reported May 12
    		$0.11N/AN/ABeat+200.0%
    Dec 20
    Reported Mar 25
    		$0.12N/AN/ABeat+192.3%
    Sep 20
    Reported Nov 12
    		$-0.17N/AN/ABeat-13.3%
    Jun 20
    Reported Aug 11
    		$-0.12$0.00N/ABeat+47.8%
    Mar 20
    Reported May 14
    		$-0.11$0.00N/ABeat-37.5%
    Dec 19
    Reported Mar 25
    		$-0.13N/AN/ABeat+61.8%
    Sep 19
    Reported Nov 14
    		$-0.15N/AN/ABeat-15.4%
    Jun 19
    Reported Aug 14
    		$-0.23N/AN/ABeat-117.0%
    Mar 19
    Reported May 14
    		$-0.08N/AN/ABeat+66.7%
    Dec 18
    Reported Mar 27
    		$-0.34N/AN/ABeat-385.7%
    Sep 18
    Reported Nov 14
    		$-0.13N/AN/ABeat-160.0%
    Jun 18
    Reported Aug 14
    		$1.35N/AN/ABeat+1000.0%
    Mar 18
    Reported May 14
    		$-0.24N/AN/ABeat+7.7%
    Dec 17
    Reported Mar 28
    		$-0.07N/AN/ABeat+73.1%
    Sep 17
    Reported Nov 13
    		$-0.05N/AN/ABeat-
    Jun 17
    Reported Aug 15
    		$-0.15N/AN/ABeat-
    Mar 17
    Reported May 12
    		$-0.26N/AN/ABeat-
    Dec 16
    Reported Mar 20
    		$-0.26N/AN/ABeat-

    Dividends

    Dividend Metrics

    Forward Yield0.00%
    Forward Annual Dividend$0.00
    Payout Ratio0.00%
    No dividend payments in the selected period.

    Key Metrics

    Valuation
    P/E Ratio10.33EV/EBITDA8.25x
    Price/FCF8.50xFCF Yield11.77%
    Profitability
    Profit Margin36.00%Operating Margin52.50%
    ROE16.70%ROIC12.86%
    Financial Health
    Debt/Equity0.19xInterest Coverage1.13x
    Current RatioN/AQuick RatioN/A
    Trading Statistics
    Beta0.31Avg Volume75.55K
    52-Week High$10.6852-Week Low$3.91

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$8.87
    SMA 20$8.93
    SMA 50$9.08
    SMA 200$6.37
    EMA 10$8.88
    EMA 20$8.91
    EMA 50$8.64
    EMA 200$6.82

    MACD

    Line: -0.01Signal: -0.00Hist: -0.01

    ADX

    ADX: 21.0+DI: 12.3-DI: 15.7

    Aroon & PSAR

    Aroon Up32.0
    Aroon Down60.0
    PSAR$8.51

    Bollinger Bands

    Upper Band$9.37
    Lower Band$8.50
    %B Position971%(Upper)
    Band Width0.57

    RSI (14-Day)

    Neutral
    52.1

    Momentum Oscillators

    Stoch %K60.8
    Stoch %D46.7
    Williams %R-27.4
    ROC (10d)3.5%
    Momentum0.30
    CCI (20d)33.1
    MFI (14d)48.8

    Volatility Measures

    ATR (14d)$0.38(4.2%)
    StdDev (20d)0.22
    Hist Vol42.1%(High)

    Volume Flow

    VWAP$9.01
    OBV2.1M
    AD Line2.2M
    CMF (20d)-0.034

    Volume Metrics

    Avg Vol (20d)73.6K
    Vol Ratio0.7x
    VWMA (20d)$8.94

    Pivot Points

    R3$9.39
    R2$9.24
    R1$9.12
    Pivot Point$8.97
    S1$8.85
    S2$8.70
    S3$8.58

    Advanced Oscillators

    TSI-0.89
    Ultimate Osc50.7
    KST-33.43

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$17.18M$14.97M$13.60M$13.03M$12.08M$10.66M$10.30M$10.08M$9.94M$8.99M$8.19M$6.83M
    Cost of RevenueN/A$7.03M$5.96M$6.04M$6.39M$5.42M$7.02M$6.73M$6.64M$6.77M$5.11M$4.43M
    Gross ProfitN/A$14.20M$13.20M$12.27M$11.04M$10.82M$9.69M$9.72M$9.75M$7.93M$7.11M$5.38M
    Operating Expenses$8.38M$8.01M$6.74M$6.60M$6.18M$5.63M$4.38M$5.29M$5.08M$4.71M$3.69M$3.65M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$0$0$0$0$0$0$0$0$0$0$0$0
    Operating IncomeN/A$6.20M$6.46M$5.66M$4.86M$5.20M$5.31M$4.43M$4.66M$3.22M$3.42M$1.73M
    Interest Income$21.72M$19.45M$17.44M$16.32M$15.59M$15.01M$15.64M$15.33M$15.19M$13.46M$11.18M$8.90M
    Interest Expense$7.03M$6.26M$5.57M$5.27M$5.35M$5.58M$6.41M$6.37M$6.45M$5.71M$4.04M$2.99M
    Income Before Tax$8.84M$6.20M$6.46M$5.66M$4.86M$5.20M$5.31M$4.43M$4.66M$3.22M$3.42M$1.73M
    Income Tax Expense$2.18M$1.53M$1.60M$1.34M$1.25M$1.33M$1.36M$1.13M$1.17M$847,000$876,000$459,000
    Net Income$6.66M$4.66M$4.85M$4.32M$3.60M$3.87M$3.95M$3.30M$3.50M$2.38M$2.55M$1.27M
    EBITDA$8.98M$6.37M$6.21M$5.93M$5.00M$5.33M$5.68M$4.40M$4.81M$3.29M$3.60M$1.85M
    EBIT$8.84M$6.20M$6.46M$5.66M$4.86M$5.20M$5.31M$4.43M$4.66M$3.22M$3.42M$1.73M
    * Some calculated fields are derived from available data when not provided by source

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    News

    Zacks.com featured highlights Interface, Vince Holding and OptimumBank

    This article from Zacks.com highlights four stocks—Interface, QuinStreet, Vince Holding, and OptimumBank Holdings—that are recommended for their increasing cash flows. The article emphasizes that strong cash flow is...

    Yahoo Finance UK•10/7/26•Bullish

    Best Value Stocks to Buy for September 22nd

    This article identifies three value stocks—Bausch Health Companies Inc. (BHC), OptimumBank Holdings, Inc. (OPHC), and Trivago N.V. (TRVG)—recommended for September 22nd...

    The Globe and Mail•9/22/26•Bullish

    OptimumBank Holdings, Inc. SEC Filing (Sep 22, 2026)

    This article announces an SEC filing by OptimumBank Holdings, Inc. (OPHC) on September 22, 2026, which is a Notice of Effectiveness for an S-4 form. The filing indicates effectiveness on September 21, 2026...

    Stock Titan•9/22/26•Neutral

    Recent Price Trend in OptimumBank (OPHC) is Your Friend, Here's Why

    The article highlights why OptimumBank Holdings, Inc. (OPHC) is considered a good "trend" investment, based on its recent price performance and strong fundamentals. It notes OPHC's 60.9% gain over 12 weeks...

    Yahoo Finance•9/21/26•Bullish

    Wellington Management Group LLP Makes New Investment in OptimumBank Holdings, Inc. $OPHC

    Wellington Management Group LLP has acquired a new stake in OptimumBank Holdings, Inc. ($OPHC), purchasing 431,634 shares valued at approximately $2.52 million. This investment represents about 3.42% of the company...

    MarketBeat•9/11/26•Somewhat-Bullish

    OPHC Valuation and Fair Value

    P/E
    10.3x
    Forward P/E
    6.5x
    EV/EBITDA
    8.3x
    P/FCF
    8.5x
    PEG
    1.0x
    P/B
    1.6x
    See GNG's fair value

    OPHC Profitability: Margins, ROIC and FCF

    Operating margin
    52.5%
    Net margin
    36.0%
    ROIC
    12.9%
    ROE
    16.7%
    FCF margin
    43.3%
    FCF yield
    11.8%

    OPHC Competitors

    CompanyTicker
    Plum Acquisition Corp. IV Class A Ordinary SharesPLMK
    Union Bankshares IncUNB
    Hennessy Capital Investment Corp. VII Ordinary SharesHVII
    Provident Financial Holdings IncPROV
    Riverview Bancorp IncRVSB
    FG Merger II Corp. UnitFGMCU
    Charlton Aria Acquisition Corporation Class A Ordinary SharesCHAR
    Monroe Capital CorpMRCC

    Sector: Financial Services

    OPHC Analyst Ratings

    Consensus
    Buy
    Analysts
    3
    Strong Buy
    0
    Buy
    3
    Hold
    0
    Sell
    0
    Strong Sell
    0

    OPHC Bull Case vs Bear Case

    Bull case

    • OPHC converts 43.3% of revenue into free cash flow.
    • OPHC has a 36.0% net profit margin.
    • OPHC beat EPS estimates in 87.5% of its last 8 reported quarters.

    OPHC Earnings: Beat Rate and Next Report

    Beat rate
    7 of 8 quarters (87.5%)
    Average surprise
    133.1%
    EPS estimate (fiscal period ending Sep 30, 2026)
    $0.33
    Estimate revisions (30 days, fiscal period ending Sep 30, 2026)
    1 up, 0 down

    OPHC Dividend

    Forward yield
    0.0%
    Payout ratio
    0.0%

    Frequently Asked Questions About OPHC

    Does OPHC pay dividends?

    OptimumBank Holdings, Inc. (OPHC) has a dividend payment track record. See the OPHC dividend history page for its current payment status, TTM yield, and recorded payments.

    What is OPHC's P/E ratio?

    OptimumBank Holdings, Inc. has a price-to-earnings (P/E) ratio of 10.33.

    What is OPHC's market cap?

    OptimumBank Holdings, Inc. (OPHC) has a market capitalization of $113.67M with a current stock price of $8.99.

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