OptimumBank Holdings, Inc.(OPHC)Earnings, Financials & Key Ratios

OPHC•NASDAQ•Banking & Credit

$5.80

4.3× P/E·Price updated Jun 27, 2026

SectorFinancial Services IndustryRegional Banks Sub-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$43M+22.8%
Total Revenue$71M+10.7%
Net Income$17M+26.9%
Return on Equity14.79%-2.4%
Net Interest Margin3.83%+3.0%
Efficiency Ratio35.36%+16.8%
ROA1.63%+7.0%
Equity / Assets10.97%-0.9%
Book Value per Share9.93-5.0%

OPHC Price & Volume

OptimumBank Holdings, Inc. (OPHC) stock price & volume — 10-year historical chart

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Aggressive South Florida Lending Drives Asset Expansion

Investment Thesis • Updated 2026Q1

VerdictNeutral

Growth:Accelerating

Profitability:Strong

Financial Position:Healthy

Cash Flow:Robust

Primary Risk:Broward County real estate concentration

"OptimumBank Holdings has demonstrated significant growth, with total assets expanding from $791.3 million in 2023Q4 to $1.3 billion by 2026Q1, primarily fueled by a specialized focus on Broward County construction lending. While the bank maintains a stable net interest margin of approximately 1.0%, the high geographic concentration in a single real estate market warrants caution regarding potential credit volatility. Investors should monitor the bank's ability to manage its provision for loan losses, which has fluctuated from a $165,000 reversal in 2025Q1 to a $1.1 million expense in 2024Q1, as it continues to scale its balance sheet."

Verdict Logic

while the bank shows strong growth with a 39.9% increase in net interest income, the current P/B ratio of 0.58 and significant geographic concentration risk suggest that investors should wait for more consistent credit performance before committing capital.

OPHC Growth Metrics

OptimumBank Holdings, Inc. (OPHC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years30.55%

5 Years58.98%

3 Years46.03%

TTM-

Profit CAGR

10 Years-

5 Years-

3 Years60.55%

TTM19.3%

EPS CAGR

10 Years-

5 Years-

3 Years25.99%

TTM4.38%

Return on Capital

10 Years4.99%

5 Years13.3%

3 Years15.6%

Last Year18.42%

Peers Comparison

Key metrics vs top competitors for OptimumBank Holdings, Inc. (OPHC)

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Company	Price	Market Cap	P/E Ratio	Rev Growth (1Y)	Net Margin	ROE	Div Yield
OPHCOptimumBank Holdings, Inc.Current	$5.80	$71.16M	4.26	10.7%	23.41%	14.79%	—
CZWICitizens Community Bancorp, Inc.	$23.54	$227.02M	16.12	-9.41%	16.49%	8%	—
BSVNBank7 Corp.	$48.66	$463.21M	10.81	-3.87%	31.77%	18.18%	—
FBIZFirst Business Financial Services, Inc.	$63.81	$532.36M	10.53	6.43%	18.74%	14.12%	—
CHMGChemung Financial Corporation	$75.58	$364.28M	24.15	-6.46%	12.83%	7.33%	—
NECBNortheast Community Bancorp, Inc.	$27.78	$384.31M	8.55	-1.55%	28.51%	12.62%	—