NASDAQ:OPHC OptimumBank (OPHC) Stock Price, News & Analysis $4.33 +0.02 (+0.46%) As of 04:00 PM Eastern Add Compare Share Share Stock Analysis Stock AnalysisAnalyst ForecastsChartCompetitorsEarningsHeadlinesInsider TradesOwnershipSEC FilingsShort InterestTrendsBuy This Stock About OptimumBank Stock (NASDAQ:OPHC) 30 days 90 days 365 days Advanced Chart View Price History Chart DataSkip Price History Chart Get OptimumBank alerts:Sign Up Key Stats Today's Range$4.28▼$4.4250-Day Range$3.61▼$4.5652-Week Range$3.53▼$5.90Volume5,341 shsAverage Volume33,459 shsMarket Capitalization$50.88 millionP/E Ratio3.28Dividend YieldN/APrice Target$5.25Consensus RatingHold Company OverviewOptimumBank 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.Read More… OptimumBank Stock Analysis - MarketRank™See Top-Rated MarketRank™ Stocks43rd Percentile Overall ScoreOPHC MarketRank™: OptimumBank scored higher than 43% of companies evaluated by MarketBeat, and ranked 612th out of 949 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation. Analyst's Opinion2.0 / 5Analyst RatingHold Consensus RatingOptimumBank has received a consensus rating of Hold. The company's average rating score is 2.00, and is based on no buy ratings, 1 hold rating, and no sell ratings.Amount of Analyst CoverageOptimumBank has received no research coverage in the past 90 days.Read more about OptimumBank's stock forecast and price target. Earnings and Valuation1.9 / 5Proj. Earnings GrowthN/A Price to Earnings Ratio vs. the MarketThe P/E ratio of OptimumBank is 3.28, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 21.74.Price to Earnings Ratio vs. SectorThe P/E ratio of OptimumBank is 3.28, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 21.99.Price to Book Value per Share RatioOptimumBank has a P/B Ratio of 0.45. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.Read more about OptimumBank's valuation and earnings. Short Interest5.0 / 5Short Interest LevelHealthy Percentage of Shares Shorted0.15% of the float of OptimumBank has been sold short.Short Interest Ratio / Days to CoverOptimumBank has a short interest ratio ("days to cover") of 0.4, which is generally considered an acceptable ratio of short interest to trading volume.Change versus previous monthShort interest in OptimumBank has recently decreased by 40.27%, indicating that investor sentiment is improving significantly. Dividend0.0 / 5Dividend StrengthN/A Dividend YieldOptimumBank does not currently pay a dividend.Dividend GrowthOptimumBank does not have a long track record of dividend growth. Sustainability and ESGN/AEnvironmental ScoreN/A Percentage of Shares Shorted0.15% of the float of OptimumBank has been sold short.Short Interest Ratio / Days to CoverOptimumBank has a short interest ratio ("days to cover") of 0.4, which is generally considered an acceptable ratio of short interest to trading volume.Change versus previous monthShort interest in OptimumBank has recently decreased by 40.27%, indicating that investor sentiment is improving significantly. News and Social Media1.9 / 5News SentimentN/A News SentimentOptimumBank has a news sentiment score of 0.50. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.88 average news sentiment score of Finance companies.News Coverage This WeekMarketBeat has tracked 1 news article for OptimumBank this week, compared to 0 articles on an average week. Company Ownership0.8 / 5Insider TradingN/A Insider Buying vs. Insider SellingIn the past three months, OptimumBank insiders have not sold or bought any company stock.Percentage Held by Insiders13.89% of the stock of OptimumBank is held by insiders. A high percentage of insider ownership can be a sign of company health.Percentage Held by InstitutionsOnly 7.43% of the stock of OptimumBank is held by institutions.Read more about OptimumBank's insider trading history. Receive OPHC Stock News and Ratings via Email Sign-up to receive the latest news and ratings for OptimumBank and its competitors with MarketBeat's FREE daily newsletter. Email Address OPHC Stock News HeadlinesOptimumBank Holdings, Inc. (OPHC): Among the Cheap Growth Stocks to Buy NowMarch 7, 2025 | insidermonkey.comOptimumBank Holdings Inc.: OptimumBank Holdings, Inc. Financial Performance for the Fourth Quarter of 2024February 6, 2025 | finanznachrichten.deMusk’s AI Masterplan – Our #1 AI Stock to Buy NowDid Elon Musk just set the stage for the next AI stock explosion? One 30-year Wall Street veteran thinks so. Musk has been quietly creating one of the most ambitious AI ventures in history.April 30, 2025 | Behind the Markets (Ad)OptimumBank Holdings director resignsJanuary 29, 2025 | msn.comOptimumBank Holdings Releases 2024 Operational ResultsJanuary 17, 2025 | tipranks.comOptimumBank to Present at the 2025 Sequire Investor Summit in Puerto RicoJanuary 16, 2025 | globenewswire.comOptimumBank Holdings transfers listing to NYSE AmericanDecember 20, 2024 | markets.businessinsider.comCommunity bank to trade stock on the NYSEDecember 20, 2024 | bizjournals.comSee More Headlines 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 shares have decreased by 9.0% and is now trading at $4.33. View the best growth stocks for 2025 here. When did OptimumBank's stock split? OptimumBank's stock 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 Today4/30/2025Next Earnings (Estimated)5/12/2025Fiscal Year End12/31/2025Get Stock AlertsIndustry, Sector and Symbol Stock ExchangeNASDAQ SectorFinance Industry National commercial banks Sub-IndustryBanking Current SymbolNASDAQ:OPHC CIK1288855 Webwww.optimumbank.com Phone(954) 900-2800Fax954-900-2851Employees40Year FoundedN/APrice Target and Rating Average Stock Price Target$5.25 High Stock Price Target$5.25 Low Stock Price Target$5.25 Potential Upside/Downside+21.2%Consensus RatingHold Rating Score (0-4)2.00 Research Coverage1 Analysts Profitability EPS (Most Recent Fiscal Year)$1.32 Trailing P/E Ratio3.28 Forward P/E RatioN/A P/E GrowthN/ANet Income$6.28 million Net Margins19.62% Pretax Margin26.35% Return on Equity14.10% Return on Assets1.31% Debt Debt-to-Equity Ratio0.43 Current Ratio1.12 Quick Ratio1.12 Sales & Book Value Annual Sales$39.31 million Price / Sales1.29 Cash Flow$0.91 per share Price / Cash Flow4.77 Book Value$9.66 per share Price / Book0.45Miscellaneous Outstanding Shares11,751,000Free Float8,688,000Market Cap$50.88 million OptionableNot Optionable Beta0.31 Social Links 10 "Recession Proof" Stocks That Will Thrive in Any MarketWhich stocks are likely to thrive in today's challenging market? 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