OptimumBank Holdings, Inc. (OPHC)
Valuation Overview•Is OptimumBank Holdings, Inc. Overvalued or Undervalued?
Trading at a relative discount to industry peers, suggesting a specific risk premium is applied.
Moderate quality score of 70/100, reflecting stable operating margins and manageable leverage.
Wall Street forecasts a balanced outlook with consensus price targets near the current price.
Verdict: Solid fundamental quality, though solvency presents a headwind.
Wall Street sentiment is generally neutral. The company currently dilutes shareholders to fund operations and growth rather than returning capital.
OPHC demonstrates strong business quality with robust profitability and healthy margins. This is backed by a fortress balance sheet, holding significant net cash ($62M) and minimal debt risk.
The company maintains stable top-line performance paired with highly explosive earnings growth (26.0% EPS 3Y CAGR). This growth is supported by elite operational efficiency, sustaining an impressive 30.4% operating margin.
| Financial Metric | Trend (12Q) | Latest Qtr | 1Y Growth | 3Y CAGR | 5Y CAGR | 10Y CAGR |
|---|---|---|---|---|---|---|
| Revenue | $21.2M | +10.7% | — | — | +30.6% | |
| EBITDA | $6.4M | — | +57.0% | — | — | |
| Net Income | $4.7M | +26.9% | +60.5% | — | — | |
| EPS (Diluted) | $0.39 | +2.3% | +26.0% | — | — | |
| Free Cash Flow | $7.4M | +15.9% | +19.1% | — | — |
| Metric | TTM | 3Y Avg | 5Y Avg | 10Y Avg |
|---|---|---|---|---|
| Gross Margin | 66.6% | 61.1% | 66.4% | 71.9% |
| Operating Margin | 30.4% | 26.7% | 25.9% | 9.4% |
| Net Margin | 22.9% | 19.9% | 26.1% | 9.6% |
| FCF Margin | 29.1% | 20.8% | 27.0% | 10.6% |
Total return is +30.9% (1Y), outperforming the benchmark by +10.1%
| Period | Total Return | vs S&P 500 (Alpha) | Dividend Contribution |
|---|---|---|---|
| YTD | +36.8% | +29.5% | — |
| 1Y | +30.9% | +10.1% | — |
| 3YCAGR | +25.6% | +5.5% | — |
| 5YCAGR | +2.8% | -8.6% | — |
| 10YCAGR | +4.4% | -10.4% | — |
The S&P 500 is at 30.6x trailing P/E — Expensive relative to historical averages.
Quick answers to common questions about OptimumBank Holdings, Inc. (OPHC) valuation, health, and returns.
Based on peer relative multiples, OptimumBank Holdings, Inc. appears Cheap versus peers compared to industry peers.
OptimumBank Holdings, Inc. has multiple valuation anchors: Peer Relative Fair Value: $15.83. A convergence of these signals offers higher conviction.
OptimumBank Holdings, Inc. displays good financial health with a composite quality score of 70/100, supported by a Piotroski F-Score of 6/9, Return on Invested Capital (ROIC) of 8.7%.
OptimumBank Holdings, Inc. does not return material capital to shareholders via dividends or share repurchases, electing to retain earnings to fund internal growth.
OptimumBank Holdings, Inc.'s current growth trajectory is Decelerating. The company achieved +10.7% 1Y revenue growth and +2.3% 1Y EPS growth, compared to its 3Y revenue CAGR of N/A.
Wall Street consensus is Hold based on 0 analysts. The consensus price target represents a N/A change from current levels.
Investment risks for OptimumBank Holdings, Inc. include: -16.1% 1-year max drawdown. Volatility risk is characterized by a beta of 0.41x.
No. These computations are purely quantitative model outputs for informational purposes. They do not account for qualitative management shifts or macro events. Always consult a licensed RIA before buying or selling shares.
Disclaimer: This page is for informational purposes only and does not constitute financial advice. All valuation models, scores, and target estimates are automated computations under stated assumptions and should not be relied upon as the sole basis for any investment decision.