Saturday 17 October 2026
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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. In the quarter to June 2026, revenue grew 39.0%, EPS grew 29.0%, free cash flow grew 67.4% and total debt fell 22.0%, each against the same quarter a year earlier. Revenue growth for five consecutive years; insiders bought in the last twelve months.
8.79
0.16
−1.79%
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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
0.00 | 0.00 | 6.25 | 0.00 | 0.00 | 2.46 | 6.00 | 4.89 | 3.45 | 2.97 |
Piotroski F-Score |
3 | 4 | 5 | 3 | 2 | 6 | 6 | 6 | 6 | 6 |
P/S ratio |
0.84 | 1.13 | 1.02 | 0.98 | 1.41 | 1.26 | 1.06 | 0.78 | 0.70 | 0.70 |
P/FCF ratio |
8.58 | 11.33 | 0.00 | 0.00 | 0.00 | 3.43 | 2.42 | 4.95 | 3.08 | 2.93 |
P/Operating CF |
18.05 | 158.60 | (12.07) | 9.85 | 16.84 | 4.05 | 6.73 | 90.75 | 7.55 | 7.49 |
P/B ratio |
1.25 | 2.12 | 0.84 | 0.73 | 0.55 | 0.40 | 0.39 | 0.44 | 0.44 | 0.41 |
Price to Tangible BV |
1.25 | 2.12 | 0.84 | 0.73 | 0.55 | 0.40 | 0.39 | 0.44 | 0.44 | 0.41 |
EV/Sales |
3.27 | 4.07 | 5.97 | 2.22 | (2.81) | (2.11) | (1.64) | 0.76 | 0.02 | (0.21) |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
27.40 | 34.00 | 1,088.21 | (21.35) | 13.49 | (6.82) | (3.62) | 4.32 | 0.09 | (0.83) |
EV/FCF |
33.55 | 40.72 | (124.37) | (16.62) | 19.99 | (5.75) | (3.74) | 4.78 | 0.09 | (0.88) |
Quick Ratio |
0.20 | 0.18 | 0.13 | 0.09 | 0.29 | 0.20 | 0.14 | 0.12 | 0.12 | 0.12 |
Current Ratio |
1.10 | 1.23 | 1.37 | 1.10 | 1.09 | 1.05 | 1.08 | 1.17 | 1.16 | 1.14 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
24.12% | 26.76% | 29.78% | 12.29% | 10.66% | 5.12% | 1.71% | 9.55% | 5.36% | 4.50% |
Debt/Equity |
9.37 | 10.08 | 5.58 | 2.16 | 1.41 | 0.47 | 0.16 | 1.08 | 0.48 | 0.41 |
Asset Turnover |
0.04 | 0.04 | 0.04 | 0.05 | 0.04 | 0.04 | 0.05 | 0.06 | 0.07 | 0.07 |
Operating CF/Net income |
(1.39) | (0.97) | 0.03 | 0.51 | 1.86 | 0.60 | 2.58 | 1.10 | 1.19 | 1.07 |
Capex/Depreciation |
(0.21) | (0.26) | (0.59) | (0.34) | 1.63 | (1.49) | (1.08) | (1.20) | (1.83) | (1.25) |
| (13.10%) | (20.94%) | 20.28% | (17.58%) | (6.25%) | 22.35% | 7.96% | 9.48% | 15.16% | 14.79% | |
| (0.32%) | (0.55%) | 0.82% | (0.97%) | (0.43%) | 2.15% | 0.86% | 0.91% | 1.52% | 1.63% | |
ROIC |
(1.73%) | (2.23%) | 1.85% | (5.20%) | 0.00% | 0.00% | 452.96% | 7.67% | 18.50% | 24.17% |
Return on Tangible Assets |
(3.42%) | (3.36%) | 3.09% | (9.47%) | (4.10%) | 38.79% | 9.24% | 5.61% | 10.77% | 12.22% |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
85.22% | 87.27% | 53.34% | 83.31% | 86.61% | 66.67% | 58.68% | 47.69% | 33.75% | 38.23% |
Intangible Assets out of Total Assets |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Share Based Compensation of Revenue |
3.77% | 0.44% | 0.00% | 3.75% | 3.13% | 1.64% | 1.63% | 1.25% | 0.76% | 1.23% |
Graham Net Nets |
(5.59) | (2.43) | (1.93) | (1.51) | (0.89) | (0.36) | 1.15 | 0.94 | 1.38 | 1.52 |
Graham Number |
0.00 | 0.00 | 6.20 | 0.00 | 0.00 | 18.86 | 12.68 | 13.76 | 18.42 | 18.31 |
Earnings Yield |
(10.78%) | (11.07%) | 16.00% | (21.30%) | (8.31%) | 40.71% | 16.67% | 20.47% | 28.99% | 33.65% |
Free Cash Flow Yield |
11.65% | 8.83% | (4.69%) | (13.61%) | (9.95%) | 29.13% | 41.31% | 20.20% | 32.51% | 34.09% |
Revenue per Share |
4.44 | 4.31 | 2.93 | 2.82 | 2.39 | 3.12 | 3.84 | 5.42 | 6.80 | 6.08 |
Operating CF per Share |
0.53 | 0.52 | 0.02 | (0.29) | (0.50) | 0.97 | 1.74 | 0.95 | 1.65 | 1.53 |
Capex per Share |
(0.10) | (0.09) | (0.16) | (0.08) | 0.16 | 0.18 | (0.05) | (0.09) | (0.10) | (0.08) |
Free Cash Flow per Share |
0.43 | 0.43 | (0.14) | (0.38) | (0.34) | 1.14 | 1.69 | 0.86 | 1.55 | 1.45 |
Cash per Share |
16.95 | 10.56 | 5.35 | 4.70 | 18.62 | 15.12 | 12.06 | 10.59 | 9.91 | 9.79 |
Shareholders Equity per Share |
2.96 | 2.30 | 3.55 | 3.79 | 6.08 | 9.88 | 10.51 | 9.67 | 10.92 | 10.42 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
2.96 | 2.30 | 3.55 | 3.79 | 6.08 | 9.88 | 10.51 | 9.67 | 10.92 | 10.42 |
Free Cash Flow |
0.45 | 0.48 | (0.21) | (0.72) | (0.98) | 4.46 | 10.04 | 6.21 | 14.62 | 16.95 |
Working Capital |
8.93 | 14.95 | 23.12 | 10.23 | 17.68 | 15.39 | 42.60 | 110.65 | 119.77 | 133.72 |
Capital Expenditures |
(0.10) | (0.09) | (0.23) | (0.16) | 0.47 | 0.70 | (0.32) | (0.67) | (0.99) | (0.90) |
Net Current Asset Value |
(21.60) | (13.12) | (8.65) | (7.94) | (8.84) | (5.52) | 27.86 | 28.98 | 62.21 | 75.69 |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.02 | 0.02 | 0.05 | 0.03 | (0.07) | (0.06) | 0.01 | 0.02 | 0.02 | 0.01 |
Price to Operating Income |
0.00 | 0.00 | 5.63 | 0.00 | 0.00 | 4.99 | 4.51 | 3.64 | 2.55 | 2.24 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.18 | 0.14 | 0.15 | 0.33 | 0.21 | (0.56) | 0.32 | 0.40 | 0.26 | 0.29 |
Cash ROIC |
0.91% | 1.19% | (0.49%) | (2.26%) | (1.01%) | 3.86% | 6.95% | 2.80% | 5.92% | 5.92% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.01 | 0.02 | 0.02 | 0.03 | 0.01 | 0.00 | 0.01 | 0.02 | 0.04 | 0.03 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
29,121.18 | 19,913.56 | 18,272.85 | 18,084.45 | 40,480.83 | 108,372.39 | 45,818.87 | 19,345.91 | 11,301.62 | 15,624.05 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
91.83 | 75.67 | 63.81 | 81.88 | 146.07 | 241.61 | 400.18 | 573.74 | 705.89 | 851.97 |
Average Assets |
123.59 | 107.78 | 97.66 | 113.10 | 180.93 | 293.50 | 468.55 | 688.24 | 862.09 | 1,022.31 |
Average Common Equity |
3.02 | 2.81 | 3.93 | 6.26 | 12.52 | 28.17 | 50.55 | 66.29 | 86.60 | 112.54 |
Columns are period end dates