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OptimumBank Holdings, Inc.

OPHC Financial Banks Regional

OptimumBank Holdings, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $71.1 million, up 10.7% from fiscal 2024.

Revenue
+39.0%
EPS
+29.0%
Free cash flow
+67.4%
Total debt
−22.0%

Quarter to June 2026, against a year earlier

8.77 0.09 +1.04%
Market cap
$109.6M
P/E
5.6×
Fwd P/E
8.9×
Dividend yield
—
F-score
6/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.03
Sold, $m 0.22
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy 1 — — — — — — — — — — —
Sell 1 — 1 — — — — — — — — —
Insider Ownership 37.38%

Capital & Financial Ratios $m

Size
Market Cap 109.56
Revenue ttm 82.92
Net income ttm 20.49
Free cash flow ttm 26.03
Net debt Q (107.24)
Valuation
P/E 5.55
Forward P/E 8.91
Price / sales 1.75
Forward P/S Powerpack
Price / FCF 5.57
Price / book 1.08
Financial health
Current ratio Q 1.12
Debt / equity Q 0.29
Interest coverage Q —
Growth
Revenue growth Q +38.96% (above 0%: growing)
Operating income growth Q +82.04% (above 0%: growing)
EPS, this year +63.85% (at or above 15%: strong)
EPS, next year A +12.32%
Revenue, next year A +11,508.65% (at or above 10%: strong)
EPS, past 5 yrs —
EPS, next 5 yrs A +23.89% (at or above 15%: strong)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 77.76%
10-year low 10-year high
P/S against its own 10 years 92.27%
10-year low 10-year high
P/B against its own 10 years 66.90%
10-year low 10-year high

Dividends

Yield
—
Annual rate
—
Payout ratio
—

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 77 94 115 146
Receivables — — — —
Inventory — — — —
Other — — — —
750 892 1,065 1,355
2023 2024 2025 Q'26
Payables 640 772 932 1,214
ST’ Debt — — — —
Other — — — —
640 772 932 1,214

Compound Annual Growth %

10y 5y 3y
Sales 30.55% 58.98% 46.03%
Cash Flow 39.77% 0.00% 19.86%
Earnings 0.00% 0.00% 60.55%
Book Value 45.00% 46.88% 24.89%

Earnings Trends EPS, adjusted, against the consensus

Q2 FY26 Estimate 0.20 Actual 0.28

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q1 FY26 0.19 0.20 Beat by 0.01
Q2 FY26 0.20 0.28 Beat by 0.08
Q3 FY26 0.27 — Reports 9 November 2026

EPS $

Mar Jun Sep Dec Year
’26 0.20 0.28 — — —
’25 0.17 0.15 0.18 0.21 0.71
’24 0.31 0.34 0.15 0.19 0.63
’23 0.16 0.18 0.18 0.35 0.87
’22 0.17 0.16 0.11 0.24 0.68
’21 0.11 0.14 0.21 1.14 1.61
’20 (0.11) (0.12) (0.17) 0.12 (0.27)
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 21 24 — — —
’25 16 17 18 19 71
’24 15 16 16 17 64
’23 8 9 10 12 39
’22 4 5 6 8 23
’21 2 3 3 4 12
’20 2 2 2 2 7
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 8 10 — — —
’25 3 6 2 7 18
’24 3 3 4 6 16
’23 0 5 1 0 7
’22 2 3 2 4 10
’21 0 1 (2) 4 4
’20 0 (1) (1) 1 (1)
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 8 10 — — —
’25 3 6 2 6 17
’24 2 3 4 6 15
’23 0 5 1 0 6
’22 2 3 2 3 10
’21 0 1 (2) 5 4
’20 0 (1) (1) 1 (1)
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 5 5 4 5 7 12 23 39 64 71 83 +35.5% 8,257 7,978 — +959.1%
Gross margin, % 76.65 74.92 71.53 61.80 75.44 91.90 82.29 69.24 61.19 69.40 70.90 (7.3) pt
EBT 0 (1) 1 (1) (1) 3 5 8 18 22 27 n/m
EBT margin, % (8.57) (12.35) 18.19 (21.51) (11.17) 25.23 23.61 21.56 27.44 31.17 32.75 +39.7 pt
Net income 0 (1) 1 (1) (1) 6 4 6 13 17 20 n/m
Per share, $
Per share, $ Revenue 4.44 4.31 2.93 2.82 2.39 3.12 3.84 5.42 6.80 6.08 5.02 +3.6%
Earnings (0.38) (0.53) 0.53 (0.58) (0.27) 1.61 0.68 0.87 1.39 1.42 1.58 n/m
Cash flow 0.53 0.52 0.02 (0.29) (0.50) 0.97 1.74 0.95 1.65 1.53 1.62 +12.5%
Capex (0.10) (0.09) (0.16) (0.08) 0.16 0.18 (0.05) (0.09) (0.10) (0.08) (0.04) (2.6%)
Free cash flow 0.43 0.43 (0.14) (0.38) (0.34) 1.14 1.69 0.86 1.55 1.45 1.57 +14.4%
Book value 2.96 2.30 3.55 3.79 6.08 9.88 10.51 9.67 10.92 10.42 8.13 +15.0%
Shares, m 1 1 1 2 3 4 6 7 9 12 13 +30.8%
Valuation, ×
Valuation, × P/E 0.00 0.00 6.25 0.00 0.00 2.46 6.00 4.89 3.45 2.97 5.55 2.6
P/S 0.84 1.13 1.02 0.98 1.41 1.26 1.06 0.78 0.70 0.70 1.75 1.0
P/B 1.25 2.12 0.84 0.73 0.55 0.40 0.39 0.44 0.44 0.41 1.08 0.8
EV/Sales 3.27 4.07 5.97 2.22 (2.81) (2.11) (1.64) 0.76 0.02 (0.21) — 1.0
EV/FCF 33.55 40.72 (124.37) (16.62) 19.99 (5.75) (3.74) 4.78 0.09 (0.88) — (5.2)
Cash, $m
Cash, $m Operating cash flow 1 1 0 (1) (1) 4 10 7 16 18 27 +47.2%
Capex 0 0 0 0 0 1 0 (1) (1) (1) (1) +27.4%
Free cash flow 0 0 0 (1) (1) 4 10 6 15 17 26 +49.7%
Balance, $m
Balance, $m Working capital 9 15 23 10 18 15 43 111 120 134 141 +35.1%
Net debt 11 14 22 7 (30) (41) (62) (1) (44) (65) (107) n/m
Shareholders’ equity 3 3 5 7 18 39 63 70 103 122 134 +50.5%
Returns, %
Returns, % ROA (0.32) (0.55) 0.82 (0.97) (0.43) 2.15 0.86 0.91 1.52 1.63 1.71 +2.0 pt
ROIC (1.73) (2.23) 1.85 (5.20) 0.00 0.00 452.96 7.67 18.50 24.17 62.53 +25.9 pt
ROE (13.10) (20.94) 20.28 (17.58) (6.25) 22.35 7.96 9.48 15.16 14.79 16.68 +27.9 pt
People
People Employees 16 16 19 19 27 38 48 60 73 98 — +22.3%
Revenue/emp, $m 0.29 0.30 0.23 0.28 0.26 0.32 0.48 0.65 0.88 0.73 — +10.8%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026 · fundamentals updated 26 Oct 2026

OptimumBank Holdings, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
BSBK Bogota Financial Corporation $119.9M 44.7× 29.2× −5.42% (below 0%: shrinking) +200.00% (above 0%: growing) +11.78% (above 0%: growing) 43.91% 0.00% Compare
SFBC Sound Financial Bancorp, Inc. $115.8M 14.4× — +1.50% (above 0%: growing) +22.50% (above 0%: growing) +132.05% (above 0%: growing) 67.71% 0.00% Compare
PROV Provident Financial Holdings, Inc. $112.7M 17.6× 14.9× +3.82% (above 0%: growing) −3.85% (below 0%: shrinking) +73.57% (above 0%: growing) 68.08% 0.00% Compare
UNB Union Bankshares, Inc. $112.5M 8.7× — +8.47% (above 0%: growing) +15.09% (above 0%: growing) +1,783.20% (above 0%: growing) 63.79% 0.00% Compare
OPHC OptimumBank Holdings, Inc. $109.6M 5.6× 8.9× +38.96% (above 0%: growing) +29.03% (above 0%: growing) +67.40% (above 0%: growing) 70.97% 0.00%
BOTJ Bank of the James Financial Group, Inc. $108.9M 9.6× 9.7× +6.68% (above 0%: growing) +18.33% (above 0%: growing) −90.59% (below 0%: shrinking) 81.91% 0.00% Compare
BYFC Broadway Financial Corporation $106.9M — (loss-making) — (loss-making) +27.12% (above 0%: growing) n/m +24.68% (above 0%: growing) 55.67% 0.00% Compare
PBHC Pathfinder Bancorp, Inc. $105.6M 836× — +9.22% (above 0%: growing) +7,976.92% (above 0%: growing) +155.06% (above 0%: growing) 60.96% 0.00% Compare
PNBK Patriot National Bancorp Inc. $101.6M — (loss-making) 12.1× +44.21% (above 0%: growing) n/m −716.54% (below 0%: shrinking) 61.76% 0.00% Compare
Median of peers $110.7M 16.0× 13.5× +7.58% +20.42% +49.13% 62.78% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 26 March 2026

Ownership

Directors and executive officers, together 18.66%
Michael Blisko, Director 9.35%
Moishe Gubin, Director 8.01%
Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

OptimumBank Holdings, Inc. (OPHC) Latest News

28 Oct

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24 Jul

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5 May

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27 Apr

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24 Apr

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13 Mar

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23 Feb

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2 Feb

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2 May

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stockrow.com/OPHC · Data as of Oct 26, 2026 · For information only; not investment advice. · © 2026 stockrow.com