Optimumbank holdings, inc.OPHC.US Overview
OPHC Overall Performance
OPHC AI Analysis & Strategy
Browsing restrictions can be lifted for a fee.
OPHC Current Performance
-0.23%
Optimumbank holdings, inc.
-0.31%
Avg of Sector
-0.59%
S&P500
OPHC Key Information
OPHC Financial Forecast
Browsing restrictions can be lifted for a fee.
| Quarterly | EPS Forecast | QoQ | Max | Min |
|---|---|---|---|---|
| 2025Q1 | ||||
| 2025Q2 | ||||
| 2025Q3 | ||||
| 2025Q4 | ||||
| 2026Q1 |
OPHC Earnings Table
Unit : USD
| QTR | Non-GAAP EPS | EPS YoY | EPS Surprise % | Sales | Sales YoY | Sales Surprise % | NPM |
|---|---|---|---|---|---|---|---|
| Current | |||||||
| 2024Q4 | |||||||
| 2024Q3 | |||||||
| 2024Q2 | |||||||
| 2024Q1 |
OPHC Profile
OptimumBank Holdings, Inc. operates as the bank holding company for OptimumBank that provides various consumer and commercial banking services to individuals and businesses. It accepts demand interest-bearing and noninterest-bearing, savings, money market, NOW, and time deposit accounts, as well as certificates of deposit; and offers residential and commercial real estate, multi-family real estate, commercial, land and construction, and consumer loans, as well as lending lines for working capital needs. The company also provides debit and ATM cards; investment, cash management, notary, and night depository services; and direct deposits, money orders, cashier's checks, domestic collections, and banking by mail, as well as internet banking services. It operates through two banking offices located in Broward County, Florida. The company was founded in 2000 and is based in Fort Lauderdale, Florida.
Price of OPHC
OPHC FAQ
When is OPHC's latest earnings report released?
The most recent financial report for Optimumbank holdings, inc. (OPHC) covers the period of 2025Q2 and was published on 2025/06/30. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating OPHC's short-term business performance and financial health. For the latest updates on OPHC's earnings releases, visit this page regularly.
Where does OPHC fall in the P/E River chart?
According to historical valuation range analysis, Optimumbank holdings, inc. (OPHC)'s current price-to-earnings (P/E) ratio is 3.39, placing it in the Undervalued zone on the P/E River chart. This level indicates that the market's expectations for future earnings are already reflected in the share price, with the valuation currently leaning conservative. Investors are advised to further examine the company's fundamentals and its position in the industry cycle to validate whether the valuation is justified.
What is the operating profit of OPHC?
According to the latest financial report, Optimumbank holdings, inc. (OPHC) reported an Operating Profit of 4.86M with an Operating Margin of 43.99% this period, representing a growth of 4.1% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.
How is OPHC's revenue growth?
In the latest financial report, Optimumbank holdings, inc. (OPHC) announced revenue of 11.04M, with a Year-Over-Year growth rate of 13.21%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.
How much cash does OPHC have?
At the end of the period, Optimumbank holdings, inc. (OPHC) held Total Cash and Cash Equivalents of 181.75M, accounting for 0.18 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.
Does OPHC go with three margins increasing?
In the latest report, Optimumbank holdings, inc. (OPHC) achieved the “three margins increasing” benchmark, with a gross margin of 100%%, operating margin of 43.99%%, and net margin of 32.6%%. This demonstrates improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess OPHC's profit trajectory and future growth potential.
Is OPHC's EPS continuing to grow?
According to the past four quarterly reports, Optimumbank holdings, inc. (OPHC)'s earnings per share (EPS) shows a declining trend, with the latest EPS at 0.31. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.
What is the FCF of OPHC?
Optimumbank holdings, inc. (OPHC)'s Free Cash Flow (FCF) for the period is 5.86M, calculated as Operating Cash Flow minus Capital Expenditures, representing a rise of 114.07% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.
What are the PEG ratio and PE ratio of OPHC?
The latest valuation data shows Optimumbank holdings, inc. (OPHC) has a Price-To-Earnings (PE) ratio of 3.39 and a Price/Earnings-To-Growth (PEG) ratio of -0.6. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.