OptimumBank (OPHC) Stock Price, News & Analysis

Company Overview

OptimumBank is a community bank headquartered in Fort Lauderdale, Florida. Through its banking operations, the company provides financial products and services to individuals, businesses and professional customers in South Florida.

The bank’s offerings include deposit accounts, checking and savings products, certificates of deposit, online banking and other traditional consumer banking services. Its lending activities include commercial real estate loans, business financing, residential real estate loans and consumer loans.

OptimumBank was established in 2000 and has focused on serving the South Florida market through relationship-based banking. The company operates as a subsidiary of OptimumBank Holdings, Inc., which is publicly traded on the Nasdaq Capital Market under the symbol OPHC.

Key Stats

• Today's Range: $8.80 to $9.20
• 50-Day Range: $8.55 to $9.33
• 52-Week Range: $4.04 to $10.68
• Volume: 100,106 shs
• Average Volume: 63,424 shs
• Market Capitalization: $113.09 million
• P/E Ratio: 6.79
• Dividend Yield: N/A
• Price Target: $6.67
• Consensus Rating: Moderate Buy

OptimumBank Stock Analysis - MarketRank™

OptimumBank scored higher than 25% of companies evaluated by MarketBeat, and ranked 756th out of 852 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.8 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

OptimumBank has received a consensus rating of Moderate Buy. The company's average rating score is 2.75, and is based on no strong buy ratings, 3 buy ratings, 1 hold rating, and no sell ratings.

Downside Risk

OptimumBank has a consensus price target of $6.67, representing about 25.6% downside from its current price of $8.96.

Amount of Analyst Coverage

OptimumBank has only been the subject of 2 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of OptimumBank is 6.79, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.12.

Price to Earnings Ratio vs. Sector

The P/E ratio of OptimumBank is 6.79, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.20.

Price to Book Value per Share Ratio

OptimumBank has a P/B Ratio of 0.93. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: N/A
• Short Interest Level: N/A

Short Interest

There is no current short interest data available for OPHC.

Dividend

• Score: 0.0 / 5
• Dividend Strength: N/A

Dividend Yield

OptimumBank does not currently pay a dividend.

Dividend Growth

OptimumBank does not have a long track record of dividend growth.

News and Social Media

• Score: 1.5 / 5
• News Sentiment: N/A

News Sentiment

OptimumBank has a news sentiment score of -0.60. 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 0.65 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 1 news article for OptimumBank this week, compared to 0 articles on an average week.

Search Interest

1 people have searched for OPHC on MarketBeat in the last 30 days.

MarketBeat Follows

Only 1 people have added OptimumBank to their MarketBeat watchlist in the last 30 days. This is a decrease of 0% compared to the previous 30 days.

Company Ownership

• Score: 0.8 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, OptimumBank insiders have not sold or bought any company stock.

Percentage Held by Insiders

18.66% 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 Institutions

7.43% of the stock of OptimumBank is held by institutions.

Company Calendar

• Today: 11/12/2026
• Next Earnings (Estimated): 11/13/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Banks
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:OPHC
• CIK: 1288855
• Web: www.optimumbank.com
• Phone: (954) 900-2800
• Fax: 954-900-2851
• Employees: 98
• Year Founded: 2000

Price Target and Rating

• Average Price Target for OptimumBank: $6.67
• High Price Target: $7.00
• Low Price Target: $6.50
• Potential Upside/Downside: -25.6%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.75
• Research Coverage: 4 Analysts

Profitability

• EPS (Trailing Twelve Months): $0.87
• Trailing P/E Ratio: 6.79
• 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: $58.79 million
• Price / Sales: 1.92
• Cash Flow: $1.88 per share
• Price / Cash Flow: 4.77
• Book Value: $9.66 per share
• Price / Book: 0.93

Miscellaneous

• Outstanding Shares: 12,622,000
• Free Float: 8,688,000
• Market Cap: $113.09 million
• Optionable: Not Optionable
• Beta: 0.31