WallStSmart
OPHC

OptimumBank Holdings, Inc.

AMEX: OPHC · FINANCIAL SERVICES · BANKS - REGIONAL

$5.40
-1.62% today

Updated 2026-06-03

Market cap
$67.48M
P/E ratio
9.32
P/S ratio
1.33x
EPS (TTM)
$0.59
Dividend yield
52W range
$4 – $6
Volume
0.0M

WallStSmart proprietary scores

69
out of 100
Grade: B
Buy
Investment rating
7.3
Growth
B+
4.5
Quality
C
7.5
Profitability
B+
7.0
Valuation
B+
3/9
Piotroski F-Score
Weak
-0.7
Altman Z-Score
Distress
Industry rank
View all highly rated stocks (75+) →202 stocks currently score above 75

Price targets

Analyst target
$7.17
+32.78%
12-Month target
$6.27
+16.11%
Intrinsic (DCF)
Margin of safety
0 Strong Buy2 Buy1 Hold0 Sell0 Strong Sell

Price chart

Stock snapshot

Strengths
+ Profit margin 34.40% — above average
+ Free cash flow $7.43M — positive
+ Revenue growth 31.20% QoQ
+ Debt/equity 0.34x — low leverage
Risks
- Piotroski 3/9 — weak financial health
- Altman Z -0.71 — distress zone

Key financials

Revenue Net Income Free Cash Flow
Metric2022202320242025TTM
Revenue$22.84M$39.23M$64.25M$71.13M$50.70M
Net income$4.02M$6.28M$13.12M$16.65M$4.66M
EPS$0.59
Free cash flow$10.04M$6.21M$14.62M$16.95M$7.43M
Profit margin17.61%16.01%20.43%23.41%34.40%

Peer comparison

CompanyMkt CapScoreGrowthProfitValueQualityMoSRating
OPHC$67.48M697.37.57.04.5Strong Buy
BRK-B$1.02T626.76.55.08.0Buy
BRK-A$1.02T616.76.55.07.0Buy
JPM$806.43B738.08.05.73.0Strong Buy
V$603.46B748.710.05.75.5Strong Buy
MA$422.07B708.010.05.05.5Strong Buy

Smart narrative

OptimumBank Holdings, Inc. trades at $5.40. representing a P/E of 9.32x trailing earnings. Our Smart Value Score of 69/100 indicates the stock is good. The company scores 3/9 on the Piotroski F-Score. With an Altman Z-Score of -0.71, it sits in the distress. TTM revenue stands at $50.70M. with profit margins at 34.40%.

Frequently asked questions

What is OptimumBank Holdings, Inc.'s stock price?

OptimumBank Holdings, Inc. (OPHC) trades at $5.40, on a P/E of 9.3x and a P/S of 1.3x. Those multiples show what the market is paying for each dollar of earnings and sales, which is the real starting point for judging whether the price is reasonable.

Is OptimumBank Holdings, Inc. overvalued?

OptimumBank Holdings, Inc. carries a Smart Value Score of 69/100 (Grade B), which we rate Buy. That score blends growth, quality, and valuation into one read.

What is the price target of OptimumBank Holdings, Inc. (OPHC)?

The 12-month analyst consensus target is $7.17, about 32.8% above the current $5.40. A consensus target is the average of Wall Street's 12-month forecasts, so it works as a sentiment gauge rather than a guarantee, and it resets with every earnings cycle.

What is OptimumBank Holdings, Inc.'s revenue?

OptimumBank Holdings, Inc.'s trailing twelve-month revenue is $50.70M. Revenue scale anchors the valuation multiples and shows whether growth is reaching the top line, so it is best read alongside margin and growth trends to see if that revenue is getting more profitable over time.

Altman Z-Score?

OptimumBank Holdings, Inc.'s Altman Z-Score is -0.71, which places it in the distress. The Altman Z-Score gauges bankruptcy risk from profitability, leverage, and asset efficiency, and a higher reading points to lower financial distress risk.

Company info

SectorFINANCIAL SERVICES
IndustryBANKS - REGIONAL
CountryUSA
ExchangeAMEX
CurrencyUSD

Quick metrics

P/S ratio1.33x
ROE13.75%
Beta0.30
50D MA$5.43
200D MA$4.72
Shares out0.01B
Float0.01B
Short ratio
Avg volume0.0M

Performance

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YTD
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