OptimumBank Holdings, Inc. (OPHC) is a Financials stock trading at $9.20 (as of 2026-08-21), with a market capitalization of $113.47M and a trailing P/E of 5.5. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.
OptimumBank Holdings, Inc. operates as the bank holding company for OptimumBank that provides various consumer and commercial banking services to individuals and businesses. It accepts demand interest-bearing and noninterest-bearing, savings, money market, NOW, and time deposit accounts, as well as certificates of deposit; and offers residential and commercial real estate, multi-family real estate, commercial, land and construction, and consumer loans, as well as lending lines for working capital needs. The company also provides debit and ATM cards; investment, 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. It operates through two banking offices located in Broward County, Florida. The company was founded in 2000 and is based in Fort Lauderdale, Florida.
OptimumBank Holdings, Inc. operates as the bank holding company for OptimumBank, providing consumer and commercial banking services that take deposits and make loans (including residential and commercial real estate, multi-family real estate, commercial, land and construction, and consumer loans), plus related card and financial services such as debit and ATM cards, cash management, investment, and notary services.
Its profit engine is tied to the spread between deposit funding (it accepts multiple types of deposit accounts) and the returns it earns on the loans it originates, with additional contribution from banking services it provides.
Business quality (Solid): The business model is clear from its focus on deposits and lending, and it reported an operating margin of 31.9% for the period ended 2026-03-31, but this dataset does not include segment revenue or other operating metrics beyond employee count.
Valuation: At 10× earnings, OPHC trades 22% below the Banking average (13×). Note: one-time items can distort reported P/E.
| Price | $9.20 |
| Market Cap | $113.47M |
| P/E Ratio | 5.5 |
| EV / EBITDA | 4.1 |
| Price / Book | 0.84 |
| Price / Sales | 1.51 |
| FCF Yield | 22.4% |
| DCF Value (model) | $30.37 |
| DCF Upside vs Price | 230.3% |
| Revenue (TTM) | $64.35M |
| Net Margin | 25.9% |
| Revenue Growth (YoY) | 39.4% |
| EPS Growth (YoY) | 29.0% |
| FCF Growth (YoY) | 67.4% |
| Stock P/E | 5.5 |
| Sector P/E (Financials) | 15.1 |
| Industry P/E (Banking) | 13.0 |
| vs Sector | -63.3% |
| vs Industry | -57.3% |
| Top Institutional Holder | ALLIANCEBERNSTEIN L.P. ($2.48M) |
| Institutional Holders Tracked | 10 |
| Sector | Financials |
| Industry | Banking |
| CEO | Timothy L. Terry |
| Employees | 73 |
| Country | US |
| IPO Date | 2003-06-23 |
Data as of 2026-08-21.
Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.