OptimumBank Holdings, Inc. (OPHC) P/E Ratio History
Historical price-to-earnings valuation from 2004 to 2025
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OPHC Valuation Context
How does the current P/E compare to historical and market benchmarks?
P/E Ratio Analysis
As of May 8, 2026, OptimumBank Holdings, Inc. (OPHC) trades at a price-to-earnings ratio of 4.2x, with a stock price of $5.56 and trailing twelve-month earnings per share of $1.28.
The current P/E is 17% below its 5-year average of 5.0x. 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 50th percentile of its historical range.
Compared to the Financial Services sector median P/E of 13.1x, OPHC trades at a 68% discount to its sector peers. The sector includes 775 companies with P/E ratios ranging from 0.0x to 195.8x.
Relative to the broader market, OPHC trades at a notable discount to the S&P 500 median P/E of 25.1x. 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 P/E vs Peers
P/E ratio compared to closely matched public peers
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
| $203M | 14.4 | 2.85 | +9% | |
| $416M | 9.8 | 0.57 | -7% | |
| $473M | 9.4 | 0.37 | +17% | |
| $331M | 22.0 | - | -37% | |
| $339M | 7.5Lowest | 0.22Best | -8% | |
| $24B | 63.0 | 2.58 | -47% | |
| $30B | 9.0 | 0.25 | +18% | |
| $11B | 23.4 | 2.32 | +19% | |
| $1B | 10.6 | 1.18 | +27%Best | |
| $20B | 41.0 | - | +0% |
Peers sorted by market capitalization. P/E below peers may indicate undervaluation or lower growth expectations. Consider PEG ratio for growth-adjusted comparison.
OPHC Historical P/E Data (2004–2025)
Quarterly P/E ratios calculated from closing price and TTM EPS
| Quarter | Date | Price | TTM EPS | P/E Ratio | vs Avg |
|---|---|---|---|---|---|
| FY2025 Q3 | $4.10 | $1.35 | 3.0x | -75% | |
| FY2025 Q2 | Mon Jun 30 2025 00:00:00 GM | $4.47 | $1.32 | 3.4x | -73% |
| FY2025 Q1 | Mon Mar 31 2025 00:00:00 GM | $4.11 | $1.37 | 3.0x | -76% |
| FY2024 Q4 | $4.76 | $1.36 | 3.5x | -72% | |
| FY2024 Q3 | Mon Sep 30 2024 00:00:00 GM | $4.57 | $1.32 | 3.5x | -72% |
| FY2024 Q2 | Sun Jun 30 2024 00:00:00 GM | $4.30 | $1.18 | 3.6x | -70% |
| FY2024 Q1 | Sun Mar 31 2024 00:00:00 GM | $4.29 | $1.02 | 4.2x | -66% |
| FY2023 Q4 | Sun Dec 31 2023 00:00:00 GM | $4.18 | $0.87 | 4.8x | -61% |
| FY2023 Q3 | Sat Sep 30 2023 00:00:00 GM | $3.18 | $0.74 | 4.3x | -65% |
| FY2023 Q2 | Fri Jun 30 2023 00:00:00 GM | $2.88 | $0.67 | 4.3x | -65% |
| FY2023 Q1 | Fri Mar 31 2023 00:00:00 GM | $3.31 | $0.65 | 5.1x | -59% |
| FY2022 Q4 | Sat Dec 31 2022 00:00:00 GM | $4.09 | $0.66 | 6.2x | -50% |
Average P/E for displayed period: 12.3x
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Start ComparisonOPHC — Frequently Asked Questions
Quick answers to the most common questions about buying OPHC stock.
Is OPHC stock overvalued or undervalued?
OPHC trades at 4.2x P/E, near its 5-year average of 5.0x. The 50th percentile ranking places valuation within normal historical bounds.
How does OPHC's valuation compare to peers?
OptimumBank Holdings, Inc. P/E of 4.2x compares to sector median of 13.1x. The discount suggests lower growth expectations or higher risk.
What is OPHC's PEG ratio?
OPHC PEG ratio is N/A. Above 2.0 indicates premium valuation relative to growth rate. Historical P/E data spans 2004-2025.