OptimumBank Holdings, Inc. (OPHC)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 5 | 11 | 19 | 27 | 39 | 49 | 55 | - |
| Operating profit | $m | 22 | 27 | ||||||
| Net profit | $m | -1 | 6 | 4 | 6 | 13 | 17 | 20 | 14 |
| EPS reported | $ | 1.36 | 1.70 | ||||||
| Operating cashflow per share | $ | 1.52 | 2.23 | ||||||
| Capex per share | $ | 0.08 | 0.02 | ||||||
| FCF per share | $ | 1.44 | 2.21 | ||||||
| Free cash flow | $m | 17 | 26 | ||||||
| Net debt | $m | -65 | -39 | ||||||
| Book value equity | $m | 122 | 134 | ||||||
| Book value per share | $ | 9.93 | 11.24 | ||||||
| Number of shares | m | 12.28 | 11.96 | ||||||
| DPS (TTM paid) | $ | 0.00 | 0.00 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 3.12 | 5.21 | ||||||
| P/B LTM | x | 0.41 | 0.37 | ||||||
| P/S LTM | x | 1.01 | 0.92 | ||||||
| P/FCF LTM | x | 2.95 | 1.89 | ||||||
| EV/EBITDA LTM | x | -0.51 | -0.43 | ||||||
| EV/Sales LTM | x | -0.17 | 1.40 | ||||||
| Earnings Yield LTM | % | +32.05% | +19.19% | ||||||
| FCF Yield | % | +33.93% | +52.89% | ||||||
| Quality | |||||||||
| ROE | % | +13.66% | +16.39% | ||||||
| ROIC | % | +9.25% | +37.38% | ||||||
| Operating margin | % | +31.17% | +34.53% | ||||||
| Gross margin | % | +66.53% | +69.38% | ||||||
| FCF/Sales | % | +23.82% | +33.59% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +2.26% | +27.82% | ||||||
| Sales Growth YoY | % | +25.56% | +38.68% | ||||||
| Net Income Growth YoY | % | +26.85% | +56.16% | ||||||
| FCF Growth | % | +15.93% | +80.71% | ||||||
| Operating Profit Growth | % | +25.75% | +54.02% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | 0.00% | 0.00% | ||||||
| Dividend Growth | % | - | - | ||||||
| Payout Ratio | % | 0.00% | 0.00% | ||||||
| FCF/Debt | x | 0.32 | 5.19 | ||||||
| Net Debt/EBITDA | x | -2.68 | -0.35 | ||||||
| EBIT/Net interest | x | 1.02 | 1.13 | ||||||
| Net debt/market cap | % | +1.00% | +2.13% | ||||||
| Net debt/Equity | x | -0.53 | -0.29 | ||||||
| Gross debt/equity | x | 0.43 | 0.04 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
OptimumBank Holdings, Inc. operates as the bank holding company for OptimumBank, which provides various consumer and commercial banking services to individuals and businesses. The company accepts interest-bearing and noninterest-bearing, savings, money market, and NOW accounts, as well as time deposits, wire transfers, ACH services, and certificates of deposit. It also offers multi-family real estate, residential and commercial real estate, and land and construction loans; commercial loans for working capital purposes or acquiring equipment, inventory, and furniture; and consumer loans for various purposes, including purchases of automobiles, recreational vehicles, boats, home improvements, lines of credit, personal, and deposit account collateralized loans. In addition, the company provides debit and ATM cards; cash management, notary, and night depository services; and direct deposits, money orders, cashier's checks, domestic collections, and banking by mail. OptimumBank Holdings, Inc. was founded in 2000 and is headquartered in Fort Lauderdale, Florida.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
OptimumBank Holdings, Inc. (OPHC)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
OptimumBank Holdings, Inc. operates as the bank holding company for OptimumBank, which provides various consumer and commercial banking services to individuals and businesses. The company accepts interest-bearing and noninterest-bearing, savings, money market, and NOW accounts, as well as time deposits, wire transfers, ACH services, and certificates of deposit. It also offers multi-family real estate, residential and commercial real estate, and land and construction loans; commercial loans for working capital purposes or acquiring equipment, inventory, and furniture; and consumer loans for various purposes, including purchases of automobiles, recreational vehicles, boats, home improvements, lines of credit, personal, and deposit account collateralized loans. In addition, the company provides debit and ATM cards; cash management, notary, and night depository services; and direct deposits, money orders, cashier's checks, domestic collections, and banking by mail. OptimumBank Holdings, Inc. was founded in 2000 and is headquartered in Fort Lauderdale, Florida.
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