OptimumBank (OPHC) Stock Price, News & Analysis

Company Overview

OptimumBank Holdings, Inc. operates as the bank holding company for OptimumBank that provides various consumer and commercial banking services to individuals and businesses. It accepts demand interest-bearing and noninterest-bearing, savings, money market, and NOW accounts, as well as time deposits, wire transfers, ACH services, and certificates of deposit. The company also offers residential and commercial real estate, multi-family real estate, land and construction loans; commercial loans are generally used for working capital purposes or for acquiring equipment, inventory, and furniture; and consumer loans for various purposes, including purchases of automobiles, recreational vehicles, boats, home improvements, lines of credit, personal, and deposit account collateralized loans. In addition, it provides Visa debit and ATM cards; cash management, notary, and night depository services; and direct deposits, money orders, cashier's checks, domestic collections, and banking by mail, as well as internet banking services. The company was founded in 2000 and is based in Fort Lauderdale, Florida.

Key Stats

• Today's Range: $4.50 to $4.54
• 50-Day Range: $4.34 to $4.67
• 52-Week Range: $3.53 to $5.90
• Volume: 5,434 shs
• Average Volume: 24,586 shs
• Market Capitalization: $53.23 million
• P/E Ratio: 3.43
• Dividend Yield: N/A
• Price Target: N/A
• Consensus Rating: N/A

OPHC Stock Analysis - Frequently Asked Questions

How have OPHC shares performed this year?

OptimumBank's stock was trading at $4.76 at the beginning of the year. Since then, OPHC stock has decreased by 4.8% and is now trading at $4.53.

When did OptimumBank's stock split?

OptimumBank shares reverse split before market open on Tuesday, January 12th 2016.The 1-10 reverse split was announced on Tuesday, December 29th 2015. The number of shares owned by shareholders was adjusted after the market closes on Monday, January 11th 2016. An investor that had 100 shares of stock prior to the reverse split would have 10 shares after the split.

How do I buy shares of OptimumBank?

Shares of OPHC stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of OptimumBank own?

Based on aggregate information from My MarketBeat watchlists, some other companies that OptimumBank investors own include NVIDIA (NVDA), Broadcom (AVGO), e.l.f. Beauty (ELF), Adobe (ADBE), Arista Networks (ANET), Jabil (JBL) and Disc Medicine (IRON).

Company Calendar

• Today: 8/02/2025
• Next Earnings (Estimated): 8/04/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: National commercial banks
• Sub-Industry: Banking
• Current Symbol: NASDAQ:OPHC
• CIK: 1288855
• Web: www.optimumbank.com
• Phone: (954) 900-2800
• Fax: 954-900-2851
• Employees: 40
• Year Founded: N/A

Profitability

• EPS (Trailing Twelve Months): $1.33
• Trailing P/E Ratio: 3.43
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $6.28 million
• Net Margins: 19.62%
• Pretax Margin: 26.35%
• Return on Equity: 14.10%
• Return on Assets: 1.31%

Debt

• Debt-to-Equity Ratio: 0.43
• Current Ratio: 1.12
• Quick Ratio: 1.12

Sales & Book Value

• Annual Sales: $40.98 million
• Price / Sales: 1.30
• Cash Flow: $0.95 per share
• Price / Cash Flow: 4.77
• Book Value: $9.66 per share
• Price / Book: 0.47

Miscellaneous

• Outstanding Shares: 11,751,000
• Free Float: 8,688,000
• Market Cap: $53.23 million
• Optionable: Not Optionable
• Beta: 0.48