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%
Market cap
$113.0M
P/E
5.6×
Fwd P/E
6.5×
Dividend yield
—
F-score
6/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Dec '25 Dec '24 Dec '23 Dec '22 Dec '21 Dec '20 Dec '19 Dec '18 Dec '17 Dec '16
P/E ratio
2.97 3.45 4.89 6.00 2.46 0.00 0.00 6.25 0.00 0.00
Piotroski F-Score
6 6 6 6 6 2 3 5 4 3
P/S ratio
0.70 0.70 0.78 1.06 1.26 1.41 0.98 1.02 1.13 0.84
P/FCF ratio
2.93 3.08 4.95 2.42 3.43 0.00 0.00 0.00 11.33 8.58
P/Operating CF
7.49 7.55 90.75 6.73 4.05 16.84 9.85 (12.07) 158.60 18.05
P/B ratio
0.41 0.44 0.44 0.39 0.40 0.55 0.73 0.84 2.12 1.25
EV/Sales
(0.21) 0.02 0.76 (1.64) (2.11) (2.81) 2.22 5.97 4.07 3.27
EV/EBITDA
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
EV/FCF
(0.88) 0.09 4.78 (3.74) (5.75) 19.99 (16.62) (124.37) 40.72 33.55
Current Ratio
1.14 1.16 1.17 1.08 1.05 1.09 1.10 1.37 1.23 1.10
Net Debt/EBITDA
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Debt/Equity
0.41 0.48 1.08 0.16 0.47 1.41 2.16 5.58 10.08 9.37
ROE
14.79% 15.16% 9.48% 7.96% 22.35% (6.25%) (17.58%) 20.28% (20.94%) (13.10%)
ROA
1.63% 1.52% 0.91% 0.86% 2.15% (0.43%) (0.97%) 0.82% (0.55%) (0.32%)
ROIC
24.17% 18.50% 7.67% 452.96% 0.00% 0.00% (5.20%) 1.85% (2.23%) (1.73%)
Return on Tangible Assets
12.22% 10.77% 5.61% 9.24% 38.79% (4.10%) (9.47%) 3.09% (3.36%) (3.42%)
Average Days of Receivables
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Earnings Yield
33.65% 28.99% 20.47% 16.67% 40.71% (8.31%) (21.30%) 16.00% (11.07%) (10.78%)
Free Cash Flow Yield
34.09% 32.51% 20.20% 41.31% 29.13% (9.95%) (13.61%) (4.69%) 8.83% 11.65%
Free Cash Flow per Share
1.45 1.55 0.86 1.69 1.14 (0.34) (0.38) (0.14) 0.43 0.43
Book value per Share
10.42 10.92 9.67 10.51 9.88 6.08 3.79 3.55 2.30 2.96
Free Cash Flow
16.95 14.62 6.21 10.04 4.46 (0.98) (0.72) (0.21) 0.48 0.45
EV/EBIT
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
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