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Saturday 17 October 2026 Export OPHC’s income statement to Excel — free account

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
Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

OptimumBank Holdings, Inc. (OPHC) P/E ratio

Alert me on P/E ratio

As of 16 October 2026, OptimumBank Holdings, Inc. (OPHC) trades at a P/E ratio of 5.6×. Over the past ten years it has ranged from 0.0× (June 2021) to 34.6× (July 2021); the current reading is higher than 85% of that period. That is below the Banks Regional industry median of 12.0× and below the Financial sector median of 12.4×.

P/E ratio, daily

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Annual newest first

Period P/E ratio Change
FY2025 3.0× (13.84%)
FY2024 3.4× (29.39%)
FY2023 4.9× (18.58%)
FY2022 6.0× 144.27%
FY2021 2.5× —
FY2020 0.0× —
FY2019 0.0× —
FY2018 6.3× —
FY2017 0.0× —
FY2016 0.0× —

Quarterly newest first

Period P/E ratio Change
Jun 2026 3.7× 7.99%
Mar 2026 3.4× 15.17%
Dec 2025 3.0× 0.03%
Sep 2025 3.0× (10.27%)
42 more quarters

Against its own ten years

Low 0.0× High 34.6×
Ten-year median 2.8×
Current reading's percentile 78

P/E ratio against peers

Company P/E ratio
PBHC Pathfinder Bancorp, Inc. compare n/m
BYFC Broadway Financial Corporation compare n/m
RVSB Riverview Bancorp Inc compare n/m
OPHC OptimumBank Holdings, Inc. 5.6×
UNB Union Bankshares, Inc. compare 8.8×
SFBC Sound Financial Bancorp, Inc. compare 13.9×
PROV Provident Financial Holdings, Inc. compare 17.4×
WSBK Winchester Bancorp, Inc. compare 26.4×
BSBK Bogota Financial Corporation compare 43.4×
Banks Regional industry median 12.0×
Financial sector median 12.4×
Market median 18.1×

What P/E ratio is

Price to Earnings Ratio shows how much investors pay for each dollar of a company’s annual profit per share.

Stock Price ÷ EPS (Basic) (TTM)

The full definition of P/E ratio →

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