OptimumBank (OPHC) Stock Price, News & Analysis

Company Overview

OptimumBank, Inc. (NASDAQ:OPHC) is a Texas-chartered commercial bank holding company headquartered in Dallas, Texas, with community banking operations primarily in Texas and South Florida. Founded in 2005, OptimumBank delivers a full suite of deposit and lending products designed to meet the needs of small-to-medium sized businesses, real estate developers, and individual consumers. Through its network of full-service branches and digital platforms, the bank focuses on relationship-driven banking and personalized service.

On the lending side, OptimumBank offers commercial real estate financing, including construction loans, permanent mortgage loans, and land acquisition facilities. The bank also provides business lines of credit, SBA-guaranteed loans, and equipment financing. For consumer customers, OptimumBank features residential mortgage lending, home equity lines of credit, auto loans, and unsecured personal loans. Deposit products include interest-bearing checking and savings accounts, money market accounts, certificates of deposit, and individual retirement accounts.

Since its inception, OptimumBank has pursued a community-oriented approach, focusing on underserved markets and multicultural customer segments, particularly in the Dallas-Fort Worth area, Houston, Miami, and surrounding suburbs. The bank’s digital banking platform offers online and mobile banking services, enabling customers to manage accounts, make payments, and access treasury management tools remotely.

Led by an experienced management team with deep expertise in community banking, OptimumBank emphasizes prudent risk management, strong customer relationships, and local decision-making. The bank is regulated by the Federal Deposit Insurance Corporation (FDIC) and the Texas Department of Banking and remains committed to supporting economic growth in the communities it serves.

Key Stats

• Today's Range: $4.22 to $4.23
• 50-Day Range: $4.07 to $4.67
• 52-Week Range: $3.53 to $5.90
• Volume: 1,866 shs
• Average Volume: 24,252 shs
• Market Capitalization: $49.71 million
• P/E Ratio: 3.20
• Dividend Yield: N/A
• Price Target: N/A
• Consensus Rating: N/A

OptimumBank Stock Analysis - MarketRank™

OptimumBank scored higher than 57% of companies evaluated by MarketBeat, and ranked 594th out of 918 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: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for OptimumBank.

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 3.20, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 278.05.

Price to Earnings Ratio vs. Sector

The P/E ratio of OptimumBank is 3.20, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 232.51.

Price to Book Value per Share Ratio

OptimumBank has a P/B Ratio of 0.44. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.04% of the outstanding shares of OptimumBank have been sold short.

Short Interest Ratio / Days to Cover

OptimumBank has a short interest ratio ("days to cover") of 0.3, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in OptimumBank has recently decreased by 41.67%, indicating that investor sentiment is improving significantly.

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.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.04% of the outstanding shares of OptimumBank have been sold short.

Short Interest Ratio / Days to Cover

OptimumBank has a short interest ratio ("days to cover") of 0.3, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in OptimumBank has recently decreased by 41.67%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 2.8 / 5
• News Sentiment: N/A

News Sentiment

OptimumBank has a news sentiment score of 1.08. 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 higher news sentiment than the 0.97 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.

Company Ownership

• Score: 2.5 / 5
• Insider Trading: Acquiring Shares

Insider Buying vs. Insider Selling

In the past three months, OptimumBank insiders have bought more of their company's stock than they have sold. Specifically, they have bought $5,732.00 in company stock and sold $0.00 in company stock.

Percentage Held by Insiders

13.91% 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

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

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 2025. Since then, OPHC stock has decreased by 11.1% and is now trading at $4.23.

When did OptimumBank's stock split?

Shares of OptimumBank reverse split 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.

Who are OptimumBank's major shareholders?

Top institutional shareholders of OptimumBank include Fourthstone LLC (4.26%) and Brown Advisory Inc. (0.17%). Insiders that own company stock include Moishe Gubin and Michael Blisko.
View institutional ownership trends.

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: 9/07/2025
• Next Earnings (Estimated): 11/06/2025
• 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: 2000

Profitability

• EPS (Trailing Twelve Months): $1.28
• Trailing P/E Ratio: 3.20
• 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: $43.11 million
• Price / Sales: 1.15
• Cash Flow: $0.89 per share
• Price / Cash Flow: 4.77
• Book Value: $9.66 per share
• Price / Book: 0.44

Miscellaneous

• Outstanding Shares: 11,751,000
• Free Float: 8,688,000
• Market Cap: $49.71 million
• Optionable: Not Optionable
• Beta: 0.43