OptimumBank Holdings, Inc. (OPHC) P/E Ratio History
Fairly ValuedTrading at 4.3x, near 5Y avg of 4.9x · 65th percentile · In line with own history · Data 2004–2026
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P/E Ratio Analysis
As of June 28, 2026, OptimumBank Holdings, Inc. (OPHC) trades at a price-to-earnings ratio of 4.3x, with a stock price of $5.80 and trailing twelve-month earnings per share of $1.46.
The current P/E is 13% below its 5-year average of 4.9x. Over the past five years, OPHC's P/E has ranged from a low of 2.5x to a high of 23.0x, placing the current valuation at the 65th percentile of its historical range.
Compared to the Financial Services sector median P/E of 14.2x, OPHC trades at a 70% discount to its sector peers. The sector includes 801 companies with P/E ratios ranging from 0.0x to 157.7x.
Relative to the broader market, OPHC trades at a notable discount to the S&P 500 median P/E of 25.3x. Investors should consider the company's growth prospects, competitive position, and earnings quality when evaluating whether the current valuation is justified.
For a comprehensive intrinsic value estimate using discounted cash flow analysis, see our OPHC DCF Valuation Calculator →
Note: P/E ratio is just one valuation metric. It does not account for balance sheet strength, cash flow quality, or growth sustainability. Always conduct comprehensive due diligence before making investment decisions.
OPHC Cross-Benchmark Valuation
How does the current P/E compare to sector peers and the broader market?
OPHC P/E vs Peers
Commercial real estate and multifamily lenders peers sorted by market cap
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
| $227M | 16.1 | 3.18 | +9% | |
| $463M | 10.8 | 0.64 | -7% | |
| $532M | 10.5 | 0.42 | +17% | |
| $364M | 24.1 | - | -37% | |
| $384M | 8.5 | 0.25 | -8% | |
| $20B | 51.4 | 2.11 | -47% | |
| $26B | 7.8Lowest | 0.22Best | +18% | |
| $10B | 21.6 | 2.15 | +19% | |
| $2B | 12.4 | 1.38 | +27%Best | |
| $23B | 45.8 | - | +0% |
Lower P/E can signal a discount or weaker growth expectations; PEG adds growth context.
OPHC Historical P/E Data (2004–2026)
Quarterly P/E ratios calculated from closing price and TTM EPS
| Quarter | Period End | Price | TTM EPS | P/E Ratio | vs Avg |
|---|---|---|---|---|---|
| FY2026 Q1 | - | $5.10 | $1.43 | 3.6x | -70% |
| FY2025 Q4 | Dec 31 2025 | $4.25 | $1.36 | 3.1x | -74% |
| FY2025 Q3 | - | $4.10 | $1.35 | 3.0x | -75% |
| FY2025 Q2 | Jun 30 2025 | $4.47 | $1.32 | 3.4x | -72% |
| FY2025 Q1 | Mar 31 2025 | $4.11 | $1.37 | 3.0x | -75% |
| FY2024 Q4 | - | $4.76 | $1.36 | 3.5x | -71% |
| FY2024 Q3 | Sep 30 2024 | $4.57 | $1.32 | 3.5x | -71% |
| FY2024 Q2 | Jun 30 2024 | $4.30 | $1.18 | 3.6x | -69% |
| FY2024 Q1 | Mar 31 2024 | $4.29 | $1.02 | 4.2x | -65% |
| FY2023 Q4 | Dec 31 2023 | $4.18 | $0.87 | 4.8x | -60% |
| FY2023 Q3 | Sep 30 2023 | $3.18 | $0.74 | 4.3x | -64% |
| FY2023 Q2 | Jun 30 2023 | $2.88 | $0.67 | 4.3x | -64% |
| FY2023 Q1 | Mar 31 2023 | $3.31 | $0.65 | 5.1x | -57% |
| FY2022 Q4 | Dec 31 2022 | $4.09 | $0.66 | 6.2x | -48% |
| FY2022 Q3 | Sep 30 2022 | $4.07 | $1.50 | 2.7x | -77% |
| FY2022 Q2 | - | $4.00 | $1.60 | 2.5x | -79% |
| FY2022 Q1 | - | $4.21 | $1.58 | 2.7x | -78% |
| FY2021 Q4 | Dec 31 2021 | $3.93 | $1.52 | 2.6x | -78% |
| FY2021 Q3 | - | $5.18 | $0.59 | 8.8x | -26% |
| FY2021 Q2 | Jun 30 2021 | $4.82 | $0.21 | 23.0x | +92% |
| FY2019 Q1 | Mar 31 2019 | $3.95 | $0.81 | 4.9x | -59% |
| FY2018 Q4 | Dec 31 2018 | $3.00 | $0.65 | 4.6x | -61% |
| FY2018 Q3 | Sep 30 2018 | $5.08 | $0.91 | 5.6x | -53% |
| FY2018 Q2 | Jun 30 2018 | $4.50 | $0.99 | 4.5x | -62% |
| FY2015 Q1 | - | $8.90 | $1.32 | 6.7x | -44% |
| FY2014 Q4 | Dec 31 2014 | $10.51 | $1.91 | 5.5x | -54% |
| FY2009 Q1 | - | $644.57 | $7.18 | 89.8x | +652% |
| FY2008 Q4 | Dec 31 2008 | $761.90 | $24.30 | 31.4x | +163% |
| FY2008 Q3 | - | $821.33 | $72.43 | 11.3x | -5% |
| FY2008 Q2 | Jun 30 2008 | $1220.57 | $83.61 | 14.6x | +22% |
| FY2008 Q1 | Mar 31 2008 | $1246.74 | $83.28 | 15.0x | +25% |
| FY2007 Q4 | Dec 31 2007 | $1161.00 | $82.31 | 14.1x | +18% |
| FY2007 Q3 | Sep 30 2007 | $1137.30 | $77.48 | 14.7x | +23% |
| FY2007 Q2 | Jun 30 2007 | $1263.36 | $77.89 | 16.2x | +36% |
| FY2007 Q1 | Mar 31 2007 | $1416.69 | $81.13 | 17.5x | +46% |
| FY2006 Q4 | Dec 31 2006 | $1385.27 | $85.47 | 16.2x | +36% |
| FY2006 Q3 | Sep 30 2006 | $1513.44 | $87.17 | 17.4x | +45% |
| FY2006 Q2 | Jun 30 2006 | $1682.11 | $86.18 | 19.5x | +63% |
| FY2006 Q1 | Mar 31 2006 | $1480.86 | $81.18 | 18.2x | +53% |
| FY2005 Q4 | Dec 31 2005 | $1345.94 | $74.60 | 18.0x | +51% |
| FY2005 Q3 | Sep 30 2005 | $1243.91 | $72.15 | 17.2x | +44% |
| FY2005 Q2 | - | $1382.13 | $70.84 | 19.5x | +63% |
| FY2005 Q1 | - | $1306.74 | $72.16 | 18.1x | +52% |
| FY2004 Q4 | Dec 31 2004 | $1652.27 | $76.11 | 21.7x | +82% |
| FY2004 Q3 | Sep 26 2004 | $1313.02 | $76.01 | 17.3x | +45% |
Average P/E for displayed period: 11.9x
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
Historical Returns
22+ years return with dividends reinvested.
DCA Calculator
See how regular investing compounds over time.
Peer Comparison
Compare growth, multiples, and margins vs sector.
OPHC — Frequently Asked Questions
Quick answers to the most common questions about buying OPHC stock.
What is OPHC's P/E ratio?
OptimumBank Holdings, Inc. (OPHC) trailing twelve-month P/E ratio is 4.3x, based on TTM diluted EPS of $1.46. The 5-year average P/E is 4.9x and the historical range spans 2.5x to 23.0x.
Is OPHC stock overvalued or undervalued?
OPHC trades at 4.3x P/E, near its 5-year average of 4.9x. The 65th percentile ranking within the 2.5x–23.0x historical range places valuation within normal bounds.
Is OPHC stock expensive?
OPHC is fairly valued relative to its own history. The current P/E of 4.3x is near the 5-year average of 4.9x (65th percentile of historical range).
What is OPHC's historical P/E range?
Over the past 5 years, OPHC's P/E ratio has ranged from 2.5x to 23.0x, with a median of 3.6x and an average of 4.9x. The current P/E of 4.3x places the stock at the 65th percentile of this range. Full historical data spans 2004–2026.
How does OPHC's P/E compare to the S&P 500?
OPHC trades at 4.3x P/E versus the S&P 500 median of 25.3x. The 83% discount to the market suggests lower growth expectations or perceived higher risk.
How does OPHC's valuation compare to Financial Services peers?
OptimumBank Holdings, Inc. P/E of 4.3x compares to the Financial Services sector median of 14.2x. The discount suggests lower growth expectations, weaker margins, or higher perceived risk relative to peers. See the peer comparison table on this page for ticker-by-ticker P/E and PEG.
What is OPHC's PEG ratio?
OPHC PEG ratio is N/A, based on a P/E of 4.3x and EPS growth of 2.3%. PEG normalises P/E by growth and helps compare stocks with different earnings trajectories.
What is OPHC's earnings yield?
OPHC earnings yield is 23.45%, the inverse of its 4.3x P/E ratio. Earnings yield represents the percentage of each dollar invested that the company earns. It can be compared directly to bond yields to assess relative attractiveness of stocks versus fixed income.