OptimumBank Holdings, Inc. (OPHC) 10-Year Financial Performance & Capital Metrics

OPHC • • Banking & Credit

Financial ServicesRegional BanksCommunity & Regional Retail BankingSoutheast Community Banks

AboutOptimumBank 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.Show more

Net Interest Income $35M +46.3%
Total Revenue $64M +63.8%
Net Income $13M +108.9%
Return on Equity 15.16% +59.9%
Net Interest Margin 3.72% +24.1%
Efficiency Ratio 30.29% -19.0%
ROA 1.52% +66.8%
Equity / Assets 11.06% +25.0%
Book Value per Share 10.46 +8.1%
Tangible BV/Share 10.46 +8.1%
Debt/Equity 1.00 -44.8%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Strong NIM of 3.7%
✓Efficient operations: 30.3% efficiency ratio
✓Well capitalized: 11.1% equity/assets
✓Trading near 52-week high
✓Trading at only 0.5x book value

✗Weaknesses

✗Shares diluted 36.3% in last year

Price & Volume

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Growth Metrics

Revenue CAGR

10Y26.83%

5Y64.36%

3Y75.81%

TTM-

Profit (Net Income) CAGR

10Y23.38%

5Y-

3Y27.74%

TTM34.31%

EPS CAGR

10Y-3.25%

5Y-

3Y-6.17%

TTM2.27%

ROCE

10Y Avg2.66%

5Y Avg8.69%

3Y Avg12.76%

Latest17.59%

Peer Comparison

Southeast Community Banks

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
FFINFirst Financial Bankshares, Inc.	4.68B	32.65	20.93	18.79%	30.24%	14.14%	6.26%	0.12
FHNFirst Horizon Corporation	11.85B	24.44	17.97	4.71%	15.7%	9.58%	10.33%	0.50
AUBAtlantic Union Bankshares Corporation	5.47B	38.36	17.13	28.8%	15.53%	4.22%	5.51%	0.17
UCBUnited Community Banks, Inc.	4.09B	33.91	16.62	14.65%	17.05%	8.83%	7.4%	0.13
SNVSynovus Financial Corp.	6.95B	50.05	16.52	1.16%	14.09%	13.7%	11.01%	0.35
PNFPPinnacle Financial Partners, Inc.	14.67B	97.65	16.38	15.32%	16.65%	9.1%	5.5%	0.39
CADECadence Bank	8.27B	44.40	16.03	32.37%	18.03%	9.08%	9.39%	0.01
ABCBAmeris Bancorp	5.56B	81.41	15.69	9.75%	21.97%	9.91%	2.53%	0.11

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	3.65M	3.69M	3.52M	3.05M	3.13M	4.99M	9.4M	15.84M	23.71M	34.69M
NII Growth %	-0.19%	0.01%	-0.04%	-0.13%	0.03%	0.6%	0.88%	0.68%	0.5%	0.46%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	4.53M	4.76M	4.72M	4.29M	5.17M	6.71M	10.39M	19.88M	35.78M	59.63M
Interest Expense	884K	1.08M	1.2M	1.25M	2.05M	1.72M	985K	4.05M	12.07M	24.94M
Loan Loss Provision	0	0	0	-1.75M	-79K	1.02M	1.17M	3.47M	4.05M	2.22M
Non-Interest Income+	412K	-144K	52K	84K	182K	294K	1.43M	2.96M	3.45M	4.62M
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	4.95M	4.62M	4.77M	4.38M	5.36M	7M	11.82M	22.84M	39.23M	64.25M
Revenue Growth %	-0.17%	-0.07%	0.03%	-0.08%	0.22%	0.31%	0.69%	0.93%	0.72%	0.64%
Non-Interest Expense	4.54M	3.94M	4.16M	4.09M	4.54M	5.05M	6.6M	9.94M	14.66M	19.46M
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	-483K	-396K	-589K	796K	-1.15M	-782K	3.07M	5.39M	8.46M	17.63M
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	-1.3%	0.18%	-0.49%	2.35%	-2.45%	0.32%	4.92%	0.76%	0.57%	1.08%
Pretax Income+	-483K	-396K	-589K	796K	-1.15M	-782K	3.07M	5.39M	8.46M	17.63M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	-320K	0	0	0	-52K	0	-3.23M	1.37M	2.17M	4.51M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	-163K	-396K	-589K	796K	-1.1M	-782K	6.3M	4.02M	6.28M	13.12M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	-1.1%	-1.43%	-0.49%	2.35%	-2.38%	0.29%	9.05%	-0.36%	0.56%	1.09%
Net Income (Continuing)	-163K	-396K	-589K	796K	-1.1M	-782K	6.3M	4.02M	6.28M	13.12M
EPS (Diluted)+	-0.17	-0.38	-0.53	0.53	-0.58	-0.27	1.61	0.68	0.87	1.33
EPS Growth %	-1.09%	-1.24%	-0.39%	2%	-2.09%	0.53%	6.96%	-0.58%	0.28%	0.53%
EPS (Basic)	-0.17	-0.38	-0.53	0.53	-0.58	-0.27	1.61	0.68	0.87	1.39
Diluted Shares Outstanding	953.86K	1.04M	1.1M	1.49M	1.9M	2.93M	3.9M	5.95M	7.24M	9.87M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	10.37M	17.64M	11.66M	7.98M	8.93M	54.63M	58.97M	71.84M	76.66M	93.63M
Short Term Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Total Investments+	108.32M	97.22M	79.66M	86.7M	113.45M	174.76M	283.34M	502.86M	695.81M	818.04M
Investments Growth %	0.06%	-0.1%	-0.18%	0.09%	0.31%	0.54%	0.62%	0.77%	0.38%	0.18%
Long-Term Investments	82.57M	77M	68.22M	84.34M	108.04M	155.87M	248.94M	477.76M	671.45M	795.27M
Accounts Receivables	462K	380K	316K	314K	432K	1000K	971K	1000K	1000K	1000K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	0	0	0	0	0	0	0	0	0	0
Intangible Assets	0	0	0	0	0	0	0	0	0	0
PP&E (Net)	2.7M	2.65M	2.59M	2.67M	2.44M	2.32M	2.58M	3.05M	3.54M	4.74M
Other Assets	5.63M	1.81M	1.64M	1.79M	1.49M	2.07M	2.58M	2.19M	9.87M	10.17M
Total Current Assets	36.58M	38.24M	23.42M	10.66M	14.78M	74.86M	94.33M	98.38M	103.49M	119.75M
Total Non-Current Assets	90.9M	81.46M	72.45M	88.8M	111.97M	160.25M	257.54M	486.84M	687.76M	813.18M
Total Assets+	127.48M	119.7M	95.87M	100.37M	126.75M	235.11M	351.88M	585.22M	791.25M	932.93M
Asset Growth %	0.02%	-0.06%	-0.2%	0.05%	0.26%	0.85%	0.5%	0.66%	0.35%	0.18%
Return on Assets (ROA)	-0%	-0%	-0.01%	0.01%	-0.01%	-0%	0.02%	0.01%	0.01%	0.02%
Accounts Payable	0	0	0	0	0	0	0	0	0	0
Total Debt+	25.16M	28.66M	25.66M	29.75M	16.64M	25.99M	37.77M	22.17M	126.25M	102.77M
Net Debt	14.79M	11.02M	13.99M	21.77M	7.71M	-28.64M	-21.2M	-49.66M	49.59M	9.14M
Long-Term Debt	5.16M	5.16M	5.16M	4.46M	2.58M	2.07M	18M	10M	62M	50M
Short-Term Debt	20M	23.5M	20.5M	25.16M	13M	23M	18M	10M	62M	50M
Other Liabilities	1.78M	1.88M	2.42M	2.15M	1.53M	528K	-16.86M	-7.43M	-44.58M	-45.22M
Total Current Liabilities	117.57M	109.59M	85.75M	87.54M	114.37M	213.76M	310.46M	517.9M	701.58M	822.2M
Total Non-Current Liabilities	6.94M	7.04M	7.57M	6.61M	5.17M	3.52M	2.91M	4.74M	19.67M	7.55M
Total Liabilities	124.51M	116.62M	93.32M	95.06M	119.54M	217.28M	313.37M	522.64M	721.25M	829.75M
Total Equity+	2.97M	3.08M	2.54M	5.31M	7.21M	17.83M	38.51M	62.58M	70.01M	103.18M
Equity Growth %	-0%	0.04%	-0.17%	1.08%	0.36%	1.47%	1.16%	0.63%	0.12%	0.47%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	-0.05%	-0.13%	-0.21%	0.2%	-0.18%	-0.06%	0.22%	0.08%	0.09%	0.15%
Book Value per Share	3.11	2.96	2.30	3.55	3.79	6.08	9.88	10.51	9.67	10.46
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	96K	11K	11K	18K	28K	32K	48K	71K	72K	116K
Additional Paid-in Capital	33.33M	34.04M	34.09M	36.13M	38.99M	50.26M	65.19M	90.41M	91.22M	111.48M
Retained Earnings	-30.32M	-30.72M	-31.31M	-30.51M	-31.61M	-32.39M	-26.1M	-22.07M	-15.97M	-2.85M
Accumulated OCI	-138K	-252K	-250K	-330K	-205K	-69K	-635K	-5.83M	-5.32M	-5.57M
Treasury Stock	0	0	0	0	0	0	0	0	0	0
Preferred Stock	0	0	0	0	0	0	0	0	0	0

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	627K	551K	570K	24K	-558K	-1.46M	3.76M	10.36M	6.88M	15.61M
Operating CF Growth %	-0.52%	-0.12%	0.03%	-0.96%	-24.25%	-1.61%	3.58%	1.75%	-0.34%	1.27%
Net Income	-163K	-396K	-589K	796K	-1.1M	-782K	6.3M	4.02M	6.28M	13.12M
Depreciation & Amortization	157K	156K	149K	159K	262K	327K	302K	569K	560K	599K
Deferred Taxes	0	0	0	0	0	0	-3.23M	1.37M	821K	10K
Other Non-Cash Items	692K	336K	200K	-1.52M	339K	990K	61K	3.19M	4.04M	2.16M
Working Capital Changes	-301K	281K	789K	586K	-260K	-2.21M	132K	832K	-5.32M	-781K
Cash from Investing+	-5.7M	14.37M	17.48M	-6.02M	-25.32M	-62.77M	-108.76M	-229.8M	-199.66M	-125.47M
Purchase of Investments	-12.31M	-27.74M	0	0	-4.16M	-15.72M	-19.51M	0	0	0
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	0	0	0	0	0	0	0	0	0	0
Other Investing	-5.91M	9.47M	8.93M	-7.5M	-23.14M	-51.55M	-94.19M	-232.12M	-200.61M	-125.78M
Cash from Financing+	3.37M	-7.64M	-24.02M	2.31M	26.83M	109.93M	109.34M	232.31M	197.61M	126.83M
Dividends Paid	0	0	0	0	0	0	0	0	0	0
Share Repurchases	0	0	0	0	0	0	0	0	0	0
Stock Issued	30K	375K	30K	525K	0	540K	3.64M	9.87M	324K	17.89M
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	-1000K	1000K	-1000K	1000K	-1000K	1000K	-1000K	-1000K	1000K	-1000K
Other Financing	5.98M	-11.59M	-21.05M	-2.31M	38.99M	89.39M	101.7M	215.44M	131.68M	132.61M
Net Change in Cash+	-1.71M	7.28M	-5.97M	-3.68M	951K	45.7M	4.34M	12.87M	4.83M	16.97M
Exchange Rate Effect	0	0	0	0	0	0	0	0	0	0
Cash at Beginning	12.07M	10.37M	17.64M	11.66M	7.98M	8.93M	54.63M	58.97M	71.84M	76.66M
Cash at End	10.37M	17.64M	11.66M	7.98M	8.93M	54.63M	58.97M	71.84M	76.66M	93.63M
Interest Paid	723K	874K	980K	931K	1.76M	2.68M	1.04M	3.93M	11.8M	26.43M
Income Taxes Paid	0	0	0	0	0	0	0	0	1.07M	2.23M
Free Cash Flow+	603K	450K	476K	-210K	-1.07M	-1.66M	3.38M	10.04M	6.21M	14.62M
FCF Growth %	-0.48%	-0.25%	0.06%	-1.44%	-4.08%	-0.55%	3.04%	1.97%	-0.38%	1.35%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	-5.48%	-13.1%	-20.94%	20.28%	-17.58%	-6.25%	22.35%	7.96%	9.48%	15.16%
Return on Assets (ROA)	-0.13%	-0.32%	-0.55%	0.81%	-0.97%	-0.43%	2.15%	0.86%	0.91%	1.52%
Net Interest Margin	2.86%	3.08%	3.67%	3.03%	2.47%	2.12%	2.67%	2.71%	3%	3.72%
Efficiency Ratio	91.89%	85.22%	87.27%	93.42%	84.78%	72.04%	55.79%	43.51%	37.37%	30.29%
Equity / Assets	2.33%	2.57%	2.65%	5.29%	5.69%	7.59%	10.94%	10.69%	8.85%	11.06%
Book Value / Share	3.11	2.96	2.3	3.55	3.79	6.08	9.88	10.51	9.67	10.46
NII Growth	-18.55%	0.96%	-4.48%	-13.47%	2.69%	59.53%	88.46%	68.4%	49.74%	46.29%

Frequently Asked Questions

Valuation & Price

OptimumBank Holdings, Inc. (OPHC) has a price-to-earnings (P/E) ratio of 3.6x. This may indicate the stock is undervalued or faces growth challenges.

Growth & Financials

OptimumBank Holdings, Inc. (OPHC) grew revenue by 63.8% over the past year. This is strong growth.

Yes, OptimumBank Holdings, Inc. (OPHC) is profitable, generating $15.7M in net income for fiscal year 2024 (20.4% net margin).

Dividend & Returns

OptimumBank Holdings, Inc. (OPHC) has a return on equity (ROE) of 15.2%. This is reasonable for most industries.

Industry Metrics

OptimumBank Holdings, Inc. (OPHC) has a net interest margin (NIM) of 3.7%. This indicates healthy earnings from lending activities.

OptimumBank Holdings, Inc. (OPHC) has an efficiency ratio of 30.3%. This is excellent, indicating strong cost control.

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