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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%
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

Insider Decisions trades per month

Total buys 0.03
Total sells 0.22
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy — 1 — — — — — — — — — —
Sell — 1 — 1 — — — — — — — —
Insider Ownership 37.38%

Capital & Financial Ratios $m

Market Cap 112.97
Revenue 82.92
Net Income 20.49
Free Cash Flow 26.03
Net Debt (107.24)
Current Ratio 1.12
Debt/Equity 0.29
P/E ratio 5.56
Fwd P/E 6.52
P/S ratio 1.75
P/B ratio 1.08
Past 5Y EPS Growth —
This Y EPS Growth 63.85% (at or above 15%: strong)
Next Y EPS Growth 12.32%
Next Y revenue growth 11,508.65% (at or above 10%: strong)
Next 5Y EPS Growth 23.89% (at or above 15%: strong)

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 78.30%
10-year low 10-year high
P/S against its own 10 years 92.70%
10-year low 10-year high
P/B against its own 10 years 67.19%
10-year low 10-year high

Dividends

Payout Ratio —
Annual Dividend Rate —
Annual Dividend Yield —
total individual payouts
2020 Powerpack
2019 Powerpack
2018 Powerpack
2017 Powerpack
special payouts not included in total or ratios

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%

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.

EPS $

Mar Jun Sep Dec Year
’26 0.20 0.28 — — —
’25 0.17 0.15 0.18 0.21 1.42
’24 0.31 0.34 0.15 0.35 1.33
’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.

Target Price Range

Analyst price targets

Recommendation Rating

1
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low 3.25 1.85 2.70 2.12 1.68 3.02 3.33 2.77 3.89 3.53

Analyst estimates 2026–2028

Powerpack
High 8.13 13.96 7.18 5.06 5.40 7.27 5.38 4.38 5.90 4.94
People
People Employees 16 16 19 19 27 38 48 60 73 98
Revenue/emp, $m 0.29 0.30 0.23 0.28 0.26 0.32 0.48 0.65 0.88 0.73
Income, $m
Income, $m Revenue 5 5 4 5 7 12 23 39 64 71
Gross margin, % 76.65 74.92 71.53 61.80 75.44 91.90 82.29 69.24 61.19 69.40
EBT 0 (1) 1 (1) (1) 3 5 8 18 22
EBT margin, % (8.57) (12.35) 18.19 (21.51) (11.17) 25.23 23.61 21.56 27.44 31.17
Net income 0 (1) 1 (1) (1) 6 4 6 13 17
Depreciation 0 0 0 0 0 0 0 1 1 1
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
Earnings (0.38) (0.53) 0.53 (0.58) (0.27) 1.61 0.68 0.87 1.39 1.42
Cash flow 0.53 0.52 0.02 (0.29) (0.50) 0.97 1.74 0.95 1.65 1.53
Capex (0.10) (0.09) (0.16) (0.08) 0.16 0.18 (0.05) (0.09) (0.10) (0.08)
Free cash flow 0.43 0.43 (0.14) (0.38) (0.34) 1.14 1.69 0.86 1.55 1.45
Book value 2.96 2.30 3.55 3.79 6.08 9.88 10.51 9.67 10.92 10.42
Shares, m 1 1 1 2 3 4 6 7 9 12
Valuation, ×
Valuation, × P/E 0.00 0.00 6.25 0.00 0.00 2.46 6.00 4.89 3.45 2.97
P/S 0.84 1.13 1.02 0.98 1.41 1.26 1.06 0.78 0.70 0.70
P/B 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/FCF 33.55 40.72 (124.37) (16.62) 19.99 (5.75) (3.74) 4.78 0.09 (0.88)
Cash, $m
Cash, $m Operating cash flow 1 1 0 (1) (1) 4 10 7 16 18
Capex 0 0 0 0 0 1 0 (1) (1) (1)
Free cash flow 0 0 0 (1) (1) 4 10 6 15 17
Balance, $m
Balance, $m Working capital 9 15 23 10 18 15 43 111 120 134
Total debt 29 26 30 16 25 18 10 76 50 50
Net debt 11 14 22 7 (30) (41) (62) (1) (44) (65)
Shareholders’ equity 3 3 5 7 18 39 63 70 103 122
Returns, %
Returns, % ROA (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
ROE (13.10) (20.94) 20.28 (17.58) (6.25) 22.35 7.96 9.48 15.16 14.79
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

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
RVSB Riverview Bancorp Inc $119.1M — (loss-making) 17.7× +6.30% (above 0%: growing) +33.33% (above 0%: growing) +342.43% (above 0%: growing) 75.12% 0.00% Compare
BSBK Bogota Financial Corporation $116.5M 43.4× 29.2× −5.42% (below 0%: shrinking) +200.00% (above 0%: growing) +11.78% (above 0%: growing) 43.91% 0.00% Compare
WSBK Winchester Bancorp, Inc. $116.0M 26.4× — +16.83% (above 0%: growing) — −44.14% (below 0%: shrinking) 52.64% 0.00% Compare
OPHC OptimumBank Holdings, Inc. $113.0M 5.6× 6.5× +38.96% (above 0%: growing) +29.03% (above 0%: growing) +67.40% (above 0%: growing) 70.97% 0.00%
PROV Provident Financial Holdings, Inc. $112.9M 17.4× 13.1× +1.58% (above 0%: growing) +40.00% (above 0%: growing) +52.70% (above 0%: growing) 69.62% 0.00% Compare
UNB Union Bankshares, Inc. $112.6M 8.8× — +8.47% (above 0%: growing) +15.09% (above 0%: growing) +1,783.20% (above 0%: growing) 63.79% 0.00% Compare
SFBC Sound Financial Bancorp, Inc. $111.8M 13.9× — +1.50% (above 0%: growing) +22.50% (above 0%: growing) +132.05% (above 0%: growing) 67.71% 0.00% Compare
BYFC Broadway Financial Corporation $107.2M — (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. $106.5M — (loss-making) — +9.22% (above 0%: growing) n/m +155.06% (above 0%: growing) 60.96% 0.00% Compare
Median of peers $112.7M 17.4× 17.7× +7.39% +33.33% +92.38% 62.38% 0.00%

All 323 Banks Regional stocks →

OptimumBank Holdings, Inc. (OPHC) key facts

  • Strength: OptimumBank Holdings, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $71.1 million, up 10.7% from fiscal 2024.
  • OptimumBank Holdings, Inc. (OPHC) is a Banks Regional company in the Financial sector, listed on NYSE American.
  • As of October 16, 2026, OPHC traded at $8.79, a market capitalization of $113.0 million.
  • Return on equity was 14.8% and debt-to-equity 0.29.
  • Its Piotroski F-score is 6 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

OptimumBank Holdings, Inc. (OPHC) Latest News

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stockrow.com/OPHC · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com