OptimumBank Holdings, Inc.(OPHC)Earnings, Financials & Key Ratios
OPHC•NASDAQ•Banking & Credit
$5.52
$66M mkt cap·4.2× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial real estate and multifamily lenders
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 Equity15.16%+59.9%
- Net Interest Margin3.72%+24.1%
- Efficiency Ratio30.29%-19.0%
- ROA1.52%+66.8%
- Equity / Assets11.06%+25.0%
- Book Value per Share10.46+8.1%
- Tangible BV/Share10.46+8.1%
- Debt/Equity1.00-44.8%
OPHC Key Insights
OptimumBank Holdings, Inc. (OPHC) fundamental analysis — strengths, weaknesses & financial health based on 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
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
OPHC Price & Volume
OptimumBank Holdings, Inc. (OPHC) stock price & volume — 10-year historical chart
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OPHC Growth Metrics
OptimumBank Holdings, Inc. (OPHC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years26.83%
5 Years64.36%
3 Years75.81%
TTM-
Profit CAGR
10 Years23.38%
5 Years-
3 Years27.74%
TTM34.31%
EPS CAGR
10 Years-3.25%
5 Years-
3 Years-6.17%
TTM2.27%
Return on Capital
10 Years2.66%
5 Years8.69%
3 Years12.76%
Last Year17.59%
OPHC Peer Comparison
OptimumBank Holdings, Inc. (OPHC) competitors in Commercial real estate and multifamily lenders — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 CZWI | 202.59M | 21.04 | 14.41 | -9.41% | 7.81% | 0.28 | ||
 BSVN | 412.67M | 43.61 | 9.69 | -3.87% | 18.21% | |||
 FBIZ | 470.37M | 56.38 | 9.30 | 6.43% | 14.12% | 0.70 | ||
 CHMG | 322.44M | 67.05 | 21.42 | -6.46% | 6.27% | 0.02 | ||
 NECB | 337.14M | 24.37 | 7.50 | -1.55% | 13.07% | 0.21 | ||
 FIS | 23.81B | 45.97 | 61.29 | 5.43% | 3.51% | 2.75% | 0.29 | |
 FISV | 30.01B | 56.11 | 8.85 | 3.6% | 15.17% | 12.43% | 1.13 | |
 JKHY | 10.34B | 142.88 | 22.90 | 7.21% | 20.59% | 23.75% |
Compare OPHC vs Peers
OptimumBank Holdings, Inc. (OPHC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
OPHC Income Statement
OptimumBank Holdings, Inc. (OPHC) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 3.69M | 3.52M | 3.05M | 3.13M | 4.99M | 9.4M | 15.84M | 23.71M | 34.69M | 39.95M |
| NII Growth % | 0.96% | -4.48% | -13.47% | 2.69% | 59.53% | 88.46% | 68.4% | 49.74% | 46.29% | 91.27% |
| Net Interest Margin % | 3.08% | 3.67% | 3.03% | 2.47% | 2.12% | 2.67% | 2.71% | 3% | 3.72% | 3.69% |
| Interest Income | 4.76M | 4.72M | 4.29M | 5.17M | 6.71M | 10.39M | 19.88M | 35.78M | 59.63M | 62.56M |
| Interest Expense | 1.08M | 1.2M | 1.25M | 2.05M | 1.72M | 985K | 4.05M | 12.07M | 24.94M | 22.61M |
| Loan Loss Provision | 0 | 0 | -1.75M | -79K | 1.02M | 1.17M | 3.47M | 4.05M | 2.22M | 2.25M |
| Non-Interest Income | -144K | 52K | 84K | 182K | 294K | 1.43M | 2.96M | 3.45M | 4.62M | 6.12M |
| Non-Interest Income % | -3.12% | 1.09% | 1.92% | 3.4% | 4.2% | 12.13% | 12.96% | 8.8% | 7.2% | 8.9% |
| Total Revenue | 4.62M▲ 0% | 4.77M▲ 3.2% | 4.38M▼ 8.2% | 5.36M▲ 22.4% | 7M▲ 30.8% | 11.82M▲ 68.8% | 22.84M▲ 93.2% | 39.23M▲ 71.8% | 64.25M▲ 63.8% | 68.67M▲ 0% |
| Revenue Growth % | -6.59% | 3.2% | -8.22% | 22.39% | 30.77% | 68.8% | 93.2% | 71.75% | 63.77% | 64.72% |
| Non-Interest Expense | 3.94M | 4.16M | 4.09M | 4.54M | 5.05M | 6.6M | 9.94M | 14.66M | 19.46M | 22.79M |
| Efficiency Ratio | 85.22% | 87.27% | 93.42% | 84.78% | 72.04% | 55.79% | 43.51% | 37.37% | 30.29% | 33.19% |
| Operating Income | -396K▲ 0% | -589K▼ 48.7% | 796K▲ 235.1% | -1.15M▼ 244.7% | -782K▲ 32.1% | 3.07M▲ 492.5% | 5.39M▲ 75.7% | 8.46M▲ 56.8% | 17.63M▲ 108.5% | 21.02M▲ 0% |
| Operating Margin % | -8.57% | -12.35% | 18.19% | -21.51% | -11.17% | 25.96% | 23.61% | 21.56% | 27.44% | 30.62% |
| Operating Income Growth % | 18.01% | -48.74% | 235.14% | -244.72% | 32.12% | 492.46% | 75.69% | 56.84% | 108.48% | - |
| Pretax Income | -396K▲ 0% | -589K▼ 48.7% | 796K▲ 235.1% | -1.15M▼ 244.7% | -782K▲ 32.1% | 3.07M▲ 492.5% | 5.39M▲ 75.7% | 8.46M▲ 56.8% | 17.63M▲ 108.5% | 21.02M▲ 0% |
| Pretax Margin % | -8.57% | -12.35% | 18.19% | -21.51% | -11.17% | 25.96% | 23.61% | 21.56% | 27.44% | 30.62% |
| Income Tax | 0 | 0 | 0 | -52K | 0 | -3.23M | 1.37M | 2.17M | 4.51M | 5.28M |
| Effective Tax Rate % | 0% | 0% | 0% | 4.51% | 0% | -105.15% | 25.39% | 25.71% | 25.56% | 25.11% |
| Net Income | -396K▲ 0% | -589K▼ 48.7% | 796K▲ 235.1% | -1.1M▼ 238.2% | -782K▲ 28.9% | 6.3M▲ 905.1% | 4.02M▼ 36.1% | 6.28M▲ 56.2% | 13.12M▲ 108.9% | 15.75M▲ 0% |
| Net Margin % | -8.57% | -12.35% | 18.19% | -20.54% | -11.17% | 53.25% | 17.61% | 16.01% | 20.43% | 22.93% |
| Net Income Growth % | -142.94% | -48.74% | 235.14% | -238.19% | 28.91% | 905.12% | -36.1% | 56.18% | 108.88% | 34.31% |
| Net Income (Continuing) | -396K | -589K | 796K | -1.1M | -782K | 6.3M | 4.02M | 6.28M | 13.12M | 15.75M |
| EPS (Diluted) | -0.38▲ 0% | -0.53▼ 39.5% | 0.53▲ 200.0% | -0.58▼ 209.4% | -0.27▲ 53.4% | 1.61▲ 696.3% | 0.68▼ 57.8% | 0.87▲ 27.9% | 1.33▲ 52.9% | 1.28▲ 0% |
| EPS Growth % | -123.53% | -39.47% | 200% | -209.43% | 53.45% | 696.3% | -57.76% | 27.94% | 52.87% | 2.27% |
| EPS (Basic) | -0.38 | -0.53 | 0.53 | -0.58 | -0.27 | 1.61 | 0.68 | 0.87 | 1.39 | - |
| Diluted Shares Outstanding | 1.04M | 1.1M | 1.49M | 1.9M | 2.93M | 3.9M | 5.95M | 7.24M | 9.87M | 12.28M |
OPHC Balance Sheet
OptimumBank Holdings, Inc. (OPHC) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 37.86M | 23.1M | 10.34M | 14.34M | 73.52M | 93.36M | 96.94M | 101.02M | 116.4M | 676.7M |
| Cash & Due from Banks | 17.64M | 11.66M | 7.98M | 8.93M | 54.63M | 58.97M | 71.84M | 76.66M | 93.63M | 235.09M |
| Short Term Investments | 20.22M | 11.44M | 2.36M | 5.41M | 18.89M | 34.39M | 25.1M | 24.36M | 22.77M | 0 |
| Total Investments | 97.22M | 79.66M | 86.7M | 113.45M | 174.76M | 283.34M | 502.86M | 695.81M | 818.04M | 825.98M |
| Investments Growth % | -10.25% | -18.07% | 8.84% | 30.85% | 54.05% | 62.13% | 77.48% | 38.37% | 17.57% | 30.14% |
| Long-Term Investments | 77M | 68.22M | 84.34M | 108.04M | 155.87M | 248.94M | 477.76M | 671.45M | 795.27M | 3.23B |
| Accounts Receivables | 380K | 316K | 314K | 432K | 1.34M | 971K | 1.44M | 2.47M | 3.35M | 3.17M |
| Goodwill & Intangibles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 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) | 2.65M | 2.59M | 2.67M | 2.44M | 2.32M | 2.58M | 3.05M | 3.54M | 4.74M | 5.03M |
| Other Assets | 1.81M | 1.64M | 1.79M | 1.49M | 2.07M | 2.58M | 2.19M | 9.87M | 10.17M | 10.53M |
| Total Current Assets | 38.24M | 23.42M | 10.66M | 14.78M | 74.86M | 94.33M | 98.38M | 103.49M | 119.75M | 238.26M |
| Total Non-Current Assets | 81.46M | 72.45M | 88.8M | 111.97M | 160.25M | 257.54M | 486.84M | 687.76M | 813.18M | 844.79M |
| Total Assets | 119.7M▲ 0% | 95.87M▼ 19.9% | 100.37M▲ 4.7% | 126.75M▲ 26.3% | 235.11M▲ 85.5% | 351.88M▲ 49.7% | 585.22M▲ 66.3% | 791.25M▲ 35.2% | 932.93M▲ 17.9% | 1.08B▲ 0% |
| Asset Growth % | -6.1% | -19.91% | 4.7% | 26.28% | 85.5% | 49.66% | 66.31% | 35.21% | 17.91% | 47.45% |
| Return on Assets (ROA) | -0.32% | -0.55% | 0.81% | -0.97% | -0.43% | 2.15% | 0.86% | 0.91% | 1.52% | 1.45% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 28.66M | 25.66M | 29.75M | 16.64M | 25.99M | 37.77M | 22.17M | 126.25M | 102.77M | 2.85M |
| Net Debt | 11.02M | 13.99M | 21.77M | 7.71M | -28.64M | -21.2M | -49.66M | 49.59M | 9.14M | -232.24M |
| Long-Term Debt | 5.16M | 5.16M | 4.46M | 2.58M | 2.07M | 18M | 10M | 62M | 50M | 0 |
| Short-Term Debt | 23.5M | 20.5M | 25.16M | 13M | 23M | 18M | 10M | 62M | 50M | 0 |
| Other Liabilities | 1.88M | 2.42M | 2.15M | 1.53M | 528K | -16.86M | -7.43M | -44.58M | -45.22M | 3.82M |
| Total Current Liabilities | 109.59M | 85.75M | 87.54M | 114.37M | 213.76M | 310.46M | 517.9M | 701.58M | 822.2M | 959.49M |
| Total Non-Current Liabilities | 7.04M | 7.57M | 6.61M | 5.17M | 3.52M | 2.91M | 4.74M | 19.67M | 7.55M | 6.67M |
| Total Liabilities | 116.62M | 93.32M | 95.06M | 119.54M | 217.28M | 313.37M | 522.64M | 721.25M | 829.75M | 966.15M |
| Total Equity | 3.08M▲ 0% | 2.54M▼ 17.4% | 5.31M▲ 108.5% | 7.21M▲ 35.8% | 17.83M▲ 147.5% | 38.51M▲ 115.9% | 62.58M▲ 62.5% | 70.01M▲ 11.9% | 103.18M▲ 47.4% | 116.89M▲ 0% |
| Equity Growth % | 3.84% | -17.4% | 108.49% | 35.83% | 147.45% | 115.94% | 62.5% | 11.87% | 47.39% | 131.57% |
| Equity / Assets (Capital Ratio) | 2.57% | 2.65% | 5.29% | 5.69% | 7.59% | 10.94% | 10.69% | 8.85% | 11.06% | 10.79% |
| Return on Equity (ROE) | -13.1% | -20.94% | 20.28% | -17.58% | -6.25% | 22.35% | 7.96% | 9.48% | 15.16% | 13.47% |
| Book Value per Share | 2.96 | 2.30 | 3.55 | 3.79 | 6.08 | 9.88 | 10.51 | 9.67 | 10.46 | 9.52 |
| Tangible BV per Share | 2.96 | 2.30 | 3.55 | 3.79 | 6.08 | 9.88 | 10.51 | 9.67 | 10.46 | 9.52 |
| Common Stock | 11K | 11K | 18K | 28K | 32K | 48K | 71K | 72K | 116K | 119K |
| Additional Paid-in Capital | 34.04M | 34.09M | 36.13M | 38.99M | 50.26M | 65.19M | 90.41M | 91.22M | 111.48M | 112.57M |
| Retained Earnings | -30.72M | -31.31M | -30.51M | -31.61M | -32.39M | -26.1M | -22.07M | -15.97M | -2.85M | 8.95M |
| Accumulated OCI | -252K | -250K | -330K | -205K | -69K | -635K | -5.83M | -5.32M | -5.57M | -4.75M |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
OPHC Cash Flow Statement
OptimumBank Holdings, Inc. (OPHC) cash flow — operating, investing & free cash flow history
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 551K | 570K | 24K | -558K | -1.46M | 3.76M | 10.36M | 6.88M | 15.61M | 15.61M |
| Operating CF Growth % | -12.12% | 3.45% | -95.79% | -2425% | -161.29% | 358.09% | 175.31% | -33.57% | 126.75% | 1727.11% |
| Net Income | -396K | -589K | 796K | -1.1M | -782K | 6.3M | 4.02M | 6.28M | 13.12M | 15.75M |
| Depreciation & Amortization | 156K | 149K | 159K | 262K | 327K | 302K | 569K | 560K | 599K | 95K |
| Deferred Taxes | 0 | 0 | 0 | 0 | 0 | -3.23M | 1.37M | 821K | 10K | -378K |
| Other Non-Cash Items | 336K | 200K | -1.52M | 339K | 990K | 61K | 3.19M | 4.04M | 2.16M | 3.63M |
| Working Capital Changes | 281K | 789K | 586K | -260K | -2.21M | 132K | 832K | -5.32M | -781K | -2.8M |
| Cash from Investing | 14.37M | 17.48M | -6.02M | -25.32M | -62.77M | -108.76M | -229.8M | -199.66M | -125.47M | -34.5M |
| Purchase of Investments | -27.74M | 0 | 0 | -4.16M | -15.72M | -19.51M | 0 | 0 | 0 | 0 |
| Sale/Maturity of Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 711K |
| Net Investment Activity | -26.74M | 1000K | 1000K | -3.16M | -14.72M | -18.51M | 1000K | 1000K | 1000K | 711K |
| Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Investing | 9.47M | 8.93M | -7.5M | -23.14M | -51.55M | -94.19M | -232.12M | -200.61M | -125.78M | -34.99M |
| Cash from Financing | -7.64M | -24.02M | 2.31M | 26.83M | 109.93M | 109.34M | 232.31M | 197.61M | 126.83M | 120.82M |
| 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 | 375K | 30K | 525K | 0 | 540K | 3.64M | 9.87M | 324K | 17.89M | 7.84M |
| Net Stock Activity | 375K | 30K | 525K | 0 | 540K | 3.64M | 9.87M | 324K | 17.89M | 7.84M |
| Debt Issuance (Net) | 1000K | -1000K | 1000K | -1000K | 1000K | -1000K | -1000K | 1000K | -1000K | -1000K |
| Other Financing | -11.59M | -21.05M | -2.31M | 38.99M | 89.39M | 101.7M | 215.44M | 131.68M | 132.61M | 152.98M |
| Net Change in Cash | 7.28M▲ 0% | -5.97M▼ 182.1% | -3.68M▲ 38.4% | 951K▲ 125.8% | 45.7M▲ 4704.9% | 4.34M▼ 90.5% | 12.87M▲ 196.4% | 4.83M▼ 62.5% | 16.97M▲ 251.5% | 103.49M▲ 0% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 10.37M | 17.64M | 11.66M | 7.98M | 8.93M | 54.63M | 58.97M | 71.84M | 76.66M | 181.75M |
| Cash at End | 17.64M | 11.66M | 7.98M | 8.93M | 54.63M | 58.97M | 71.84M | 76.66M | 93.63M | 235.09M |
| Interest Paid | 874K | 980K | 931K | 1.76M | 2.68M | 1.04M | 3.93M | 11.8M | 26.43M | 24.97M |
| Income Taxes Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1.07M | 2.23M | 2.99M |
| Free Cash Flow | 450K▲ 0% | 476K▲ 5.8% | -210K▼ 144.1% | -1.07M▼ 408.1% | -1.66M▼ 55.4% | 3.38M▲ 304.0% | 10.04M▲ 196.8% | 6.21M▼ 38.1% | 14.62M▲ 135.2% | 16.94M▲ 0% |
| FCF Growth % | -25.37% | 5.78% | -144.12% | -408.1% | -55.39% | 303.98% | 196.81% | -38.1% | 135.23% | 87.43% |
OPHC Banking Ratios
OptimumBank Holdings, Inc. (OPHC) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | -13.1% | -20.94% | 20.28% | -17.58% | -6.25% | 22.35% | 7.96% | 9.48% | 15.16% | 13.47% |
| Return on Assets (ROA) | -0.32% | -0.55% | 0.81% | -0.97% | -0.43% | 2.15% | 0.86% | 0.91% | 1.52% | 1.45% |
| Net Interest Margin | 3.08% | 3.67% | 3.03% | 2.47% | 2.12% | 2.67% | 2.71% | 3% | 3.72% | 3.69% |
| Efficiency Ratio | 85.22% | 87.27% | 93.42% | 84.78% | 72.04% | 55.79% | 43.51% | 37.37% | 30.29% | 33.19% |
| Equity / Assets | 2.57% | 2.65% | 5.29% | 5.69% | 7.59% | 10.94% | 10.69% | 8.85% | 11.06% | 10.79% |
| Book Value / Share | 2.96 | 2.3 | 3.55 | 3.79 | 6.08 | 9.88 | 10.51 | 9.67 | 10.46 | 9.52 |
| NII Growth | 0.96% | -4.48% | -13.47% | 2.69% | 59.53% | 88.46% | 68.4% | 49.74% | 46.29% | 22.54% |
| Dividend Payout | - | - | - | - | - | - | - | - | - | 0% |
OPHC Frequently Asked Questions
OptimumBank Holdings, Inc. (OPHC) stock FAQ — growth, dividends, profitability & financials explained
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.
Explore More OPHC
OptimumBank Holdings, Inc. (OPHC) financial analysis — history, returns, DCA and operating performance tools
Total Return Calculator
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Earnings History
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Long-term charts & historical price data
Revenue History
Sales growth patterns & revenue breakdown
Financial Ratios
30 years of market, efficiency and balance-sheet ratios
Valuation
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