A Business at a Glance
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Item 1. Business We have made forward-looking statements in this Annual Report about the financial condition, results of operations, and business of our company. These statements are not historical facts and include expressions concerning the future that are subject to risks and uncertainties. Factors that may cause actual results to differ materially from those contemplated by such forward-looking statements include, among other things, the following possibilities: ● general economic conditions, either nationally or regionally, that are less favorable than expected resulting in, among other things, a deterioration in credit quality and an increase in credit risk-related losses and expenses; ● changes in the interest rate environment that reduce margins; ● competitive pressure in the banking industry that increases significantly; ● changes that occur in the regulatory environment; and ● changes that occur in business conditions and the rate o
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 49M | 49M | 39M | 27M | 19M | 11M |
| Net Income | 17M | 17M | 13M | 6.3M | 4.0M | 6.3M |
| EPS | $0.71 | $0.71 | $0.63 | $0.87 | $0.68 | $1.61 |
| Free Cash Flow | 17M | 17M | 15M | 6.2M | 10M | 3.4M |
| ROIC | 13.7% | 1.3% | 0.6% | - | 0.5% | - |
| Gross Margin | - | - | - | - | - | - |
| Debt/Equity | 0.00 | 8.12 | 8.04 | 10.30 | 8.35 | 8.14 |
| Dividends/Share | $0.00 | - | - | - | - | - |
| Operating Income | 2.1M | 2.1M | 843K | - | 410K | - |
| Operating Margin | 4.3% | 4.3% | 2.1% | - | 2.2% | - |
| ROE | 13.7% | 14.8% | 12.7% | 9.0% | 6.4% | 16.3% |
| Shares Outstanding | 23M | 23M | 21M | 7M | 6M | 4M |
OptimumBank Holdings, Inc. passes 2 of 9 quality checks, indicating weak fundamentals.
OptimumBank Holdings, Inc. trades at 7.4x trailing earnings, compared to its 15-year median P/E of 5.7x, suggesting it is currently Expensive relative to its historical range. On a free-cash-flow basis, the stock trades at 3.8x vs a median of 5.9x. The company's 5-year average ROIC is 0.8%. At current prices, the estimated annualized return to fair value is +48.6%.
OptimumBank Holdings, Inc. (OPHC) has a current P/E ratio of 7.4, compared to its historical median P/E of 5.7. The stock is currently considered Expensive based on its historical valuation range.
OptimumBank Holdings, Inc. (OPHC) has a 5-year average return on invested capital (ROIC) of 0.8%. This is below average and may indicate limited pricing power.
OptimumBank Holdings, Inc. (OPHC) has a market capitalization of $123M. It is classified as a small-cap stock.
OptimumBank Holdings, Inc. (OPHC) does not currently pay a regular dividend.
Based on historical P/E analysis, OptimumBank Holdings, Inc. (OPHC) appears expensive. The current P/E of 7.4 is 29% above its historical median of 5.7. The estimated fair value CAGR (P/E method) is 37.4%.
OptimumBank Holdings, Inc. (OPHC) operates in the National Commercial Banks industry, within the Financials sector.
OptimumBank Holdings, Inc. (OPHC) reported annual revenue of $49 million in its most recent fiscal year, based on SEC EDGAR filings.
OptimumBank Holdings, Inc. (OPHC) has a net profit margin of 33.7%. This is a strong margin indicating high profitability.
OptimumBank Holdings, Inc. (OPHC) generated $17 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
OptimumBank Holdings, Inc. (OPHC) has a debt-to-equity ratio of 8.12. This indicates higher leverage, which may increase financial risk.
OptimumBank Holdings, Inc. (OPHC) reported earnings per share (EPS) of $0.71 in its most recent fiscal year.
OptimumBank Holdings, Inc. (OPHC) has a return on equity (ROE) of 14.8%. This indicates moderate shareholder returns.
The Ledger Terminal provides 16 years of financial data for OptimumBank Holdings, Inc. (OPHC), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
OptimumBank Holdings, Inc. (OPHC) has a book value per share of $5.20, based on its most recent annual SEC filing.