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OptimumBank Holdings, Inc. operates as the bank holding company for OptimumBank that provides various consumer and commercial banking services to individuals and businesses. The company accepts demand 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, as well as internet banking services. OptimumBank Holdings, Inc. was founded in 2000 and is based in Fort Lauderdale, Florida. more
| Time Frame | OPHC | Sector | S&P500 |
|---|---|---|---|
| 1-Week Return | 2.77% | -4.74% | -1.38% |
| 1-Month Return | 20.37% | -4.68% | -1.81% |
| 3-Month Return | 26.52% | -2.43% | 1.38% |
| 6-Month Return | 20.37% | -2.03% | 5.68% |
| 1-Year Return | 9.47% | -0.02% | 11.74% |
| 3-Year Return | 35.06% | 40.04% | 65.15% |
| 5-Year Return | 30.33% | 61.23% | 73.68% |
| 10-Year Return | 25.6% | 205.62% | 260.03% |
| Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | 5YR TREND | |
|---|---|---|---|---|---|---|
| Total Revenue | 11.82M | 22.84M | 39.23M | 64.25M | 64.35M | [{"date":"2021-12-31","value":18.37,"profit":true},{"date":"2022-12-31","value":35.49,"profit":true},{"date":"2023-12-31","value":60.96,"profit":true},{"date":"2024-12-31","value":99.84,"profit":true},{"date":"2025-12-31","value":100,"profit":true}] |
| Cost of Revenue | 2.16M | 7.51M | 16.11M | 27.16M | - | [{"date":"2021-12-31","value":7.95,"profit":true},{"date":"2022-12-31","value":27.66,"profit":true},{"date":"2023-12-31","value":59.33,"profit":true},{"date":"2024-12-31","value":100,"profit":true},{"date":"2025-12-31","value":"-","profit":true}] |
| Gross Profit | 9.66M | 15.33M | 23.12M | 37.09M | - | [{"date":"2021-12-31","value":26.06,"profit":true},{"date":"2022-12-31","value":41.33,"profit":true},{"date":"2023-12-31","value":62.33,"profit":true},{"date":"2024-12-31","value":100,"profit":true},{"date":"2025-12-31","value":"-","profit":true}] |
| Gross Margin | 81.75% | 67.11% | 58.93% | 57.73% | - | [{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":82.1,"profit":true},{"date":"2023-12-31","value":72.08,"profit":true},{"date":"2024-12-31","value":70.62,"profit":true},{"date":"2025-12-31","value":"-","profit":true}] |
| Operating Expenses | 6.60M | 9.94M | 14.66M | 19.46M | 1.13M | [{"date":"2021-12-31","value":33.9,"profit":true},{"date":"2022-12-31","value":51.07,"profit":true},{"date":"2023-12-31","value":75.34,"profit":true},{"date":"2024-12-31","value":100,"profit":true},{"date":"2025-12-31","value":5.81,"profit":true}] |
| Operating Income | 3.07M | 5.39M | 8.46M | 17.63M | 6.77M | [{"date":"2021-12-31","value":17.41,"profit":true},{"date":"2022-12-31","value":30.58,"profit":true},{"date":"2023-12-31","value":47.97,"profit":true},{"date":"2024-12-31","value":100,"profit":true},{"date":"2025-12-31","value":38.42,"profit":true}] |
| Total Non-Operating Income/Expense | 9.24M | 15.58M | 20.19M | (6.24M) | - | [{"date":"2021-12-31","value":45.76,"profit":true},{"date":"2022-12-31","value":77.17,"profit":true},{"date":"2023-12-31","value":100,"profit":true},{"date":"2024-12-31","value":-30.88,"profit":false},{"date":"2025-12-31","value":"-","profit":true}] |
| Pre-Tax Income | 3.07M | 5.39M | 8.46M | 17.63M | 22.17M | [{"date":"2021-12-31","value":13.84,"profit":true},{"date":"2022-12-31","value":24.32,"profit":true},{"date":"2023-12-31","value":38.14,"profit":true},{"date":"2024-12-31","value":79.52,"profit":true},{"date":"2025-12-31","value":100,"profit":true}] |
| Income Taxes | (3.23M) | 1.37M | 2.17M | 4.51M | 5.52M | [{"date":"2021-12-31","value":-58.43,"profit":false},{"date":"2022-12-31","value":24.79,"profit":true},{"date":"2023-12-31","value":39.36,"profit":true},{"date":"2024-12-31","value":81.6,"profit":true},{"date":"2025-12-31","value":100,"profit":true}] |
| Income After Taxes | 6.30M | 4.02M | 6.28M | 13.12M | - | [{"date":"2021-12-31","value":47.97,"profit":true},{"date":"2022-12-31","value":30.65,"profit":true},{"date":"2023-12-31","value":47.87,"profit":true},{"date":"2024-12-31","value":100,"profit":true},{"date":"2025-12-31","value":"-","profit":true}] |
| Income From Continuous Operations | 6.30M | 4.02M | 5.28M | 13.12M | - | [{"date":"2021-12-31","value":47.97,"profit":true},{"date":"2022-12-31","value":30.65,"profit":true},{"date":"2023-12-31","value":40.26,"profit":true},{"date":"2024-12-31","value":100,"profit":true},{"date":"2025-12-31","value":"-","profit":true}] |
| Income From Discontinued Operations | - | - | - | - | - | [{"date":"2021-12-31","value":"-","profit":true},{"date":"2022-12-31","value":"-","profit":true},{"date":"2023-12-31","value":"-","profit":true},{"date":"2024-12-31","value":"-","profit":true},{"date":"2025-12-31","value":"-","profit":true}] |
| Net Income | 6.30M | 4.02M | 6.28M | 13.12M | 16.65M | [{"date":"2021-12-31","value":37.82,"profit":true},{"date":"2022-12-31","value":24.17,"profit":true},{"date":"2023-12-31","value":37.74,"profit":true},{"date":"2024-12-31","value":78.83,"profit":true},{"date":"2025-12-31","value":100,"profit":true}] |
| EPS (Diluted) | 1.42 | 0.66 | 0.87 | 2.30 | 1.00 | [{"date":"2021-12-31","value":61.7,"profit":true},{"date":"2022-12-31","value":28.7,"profit":true},{"date":"2023-12-31","value":37.7,"profit":true},{"date":"2024-12-31","value":100,"profit":true},{"date":"2025-12-31","value":43.45,"profit":true}] |
These ratios help you determine the liquidity of the company. Higher is better.
| OPHC | |
|---|---|
| Cash Ratio | 12.58 |
| Current Ratio | 13.90 |
These ratios help you understand the company's efficiency in using its assets to generate returns. Higher is better. For ROE, average long term is around 14%, less than 10% is poor.
| OPHC | |
|---|---|
| ROA (LTM) | 1.63% |
| ROE (LTM) | 14.79% |
These ratios help you understand the company's liabilities, gauging the riskiness of the investment.
| OPHC | |
|---|---|
| Debt Ratio Lower is generally better. Negative is bad. | 0.89 |
| Common Equity/Total Assets Higher is better. Lower can suggest investment is riskier. | 0.11 |
These ratios help you understand the company's valuation. Lower may indicate cheaper stocks.
| OPHC | |
|---|---|
| Trailing PE | 7.31 |
| Forward PE | 6.04 |
| P/S (TTM) | 1.27 |
| P/B | 0.49 |
| Price/FCF | 31 |
| EV/R | 2.28 |
| EV/Ebitda | NM |
| PEG | NM |
OptimumBank Holdings, Inc. (OPHC) share price today is $5.2
Yes, Indians can buy shares of OptimumBank Holdings, Inc. (OPHC) on Vested. To buy
Yes, you can purchase fractional shares of OptimumBank Holdings, Inc. (OPHC) via the Vested app. You can start investing in OptimumBank Holdings, Inc. (OPHC) with a minimum investment of $1.
You can invest in shares of OptimumBank Holdings, Inc. (OPHC) via Vested in three simple steps:
The 52-week high price of OptimumBank Holdings, Inc. (OPHC) is $5.24. The 52-week low price of OptimumBank Holdings, Inc. (OPHC) is $3.53.
The price-to-earnings (P/E) ratio of OptimumBank Holdings, Inc. (OPHC) is 7.3099
The price-to-book (P/B) ratio of OptimumBank Holdings, Inc. (OPHC) is 0.49
The dividend yield of OptimumBank Holdings, Inc. (OPHC) is 0.00%
The market capitalization of OptimumBank Holdings, Inc. (OPHC) is $59.86M
The stock symbol (or ticker) of OptimumBank Holdings, Inc. is OPHC
Consider the share price of OptimumBank Holdings, Inc. as a long-term story and not a daily point list. The price represents a movement of the stock in both good and bad times when looked at over many years. This assists the investors to know whether OptimumBank Holdings, Inc. has succeeded to expand steadily and overcome market declines. With this price movement observed and the way the business is progressing, it is easier to make a decision whether the stock is worth having in the long term or not.
When investing in OptimumBank Holdings, Inc. shares, you are not based in India then your investment is not just based on the stock price. It is also determined by the currency movement of the dollar in relation to the rupee. When you have an appreciation of the OptimumBank Holdings, Inc. stock and the dollar appreciation is also the same, you gain more in terms of rupees. When the rupee appreciated, it will lower your profits. This currency flow is a silent cause of great contribution to your ultimate returns over many years.
Rather than merely checking the share price of OptimumBank Holdings, Inc. and comparing it with that of other stocks in the same sector, one can check how robust the business is. Investors tend to compare such aspects as profits, cash generation, and the stability of the revenues of the company. This means that OptimumBank Holdings, Inc. stock in most cases does not react in the same manner as other companies in the sector due to its brand and services revenue.
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