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: $4.53 to $4.59
• 50-Day Range: $4.37 to $4.96
• 52-Week Range: $3.11 to $4.98
• Volume: 10,569 shs
• Average Volume: 14,670 shs
• Market Capitalization: $44.22 million
• P/E Ratio: 4.50
• Dividend Yield: N/A
• Price Target: $5.25
• Consensus Rating: Hold

OptimumBank Stock Analysis - MarketRank™

OptimumBank scored higher than 55% of companies evaluated by MarketBeat, and ranked 619th out of 962 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: 2.0 / 5
• Analyst Rating: Hold

Consensus Rating

OptimumBank 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 Coverage

OptimumBank has received no research coverage 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 4.50, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 132.32.

Price to Earnings Ratio vs. Sector

The P/E ratio of OptimumBank is 4.50, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 48.59.

Price to Book Value per Share Ratio

OptimumBank has a P/B Ratio of 0.48. 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

0.09% 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 0.4, 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 24.37%, 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

0.09% 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 0.4, 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 24.37%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 2.7 / 5
• News Sentiment: 0.94

News Sentiment

OptimumBank has a news sentiment score of 0.94. 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 0.63 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 2 news articles for OptimumBank this week, compared to 0 articles on an average week.

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

13.89% 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 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 $4.18 at the start of the year. Since then, OPHC shares have increased by 9.8% and is now trading at $4.59.
View the best growth stocks for 2024 here.

How were OptimumBank's earnings last quarter?

OptimumBank Holdings, Inc. (NASDAQ:OPHC) posted its earnings results on Monday, August, 5th. The bank reported $0.34 EPS for the quarter. The bank had revenue of $9.94 million for the quarter. OptimumBank had a net margin of 18.24% and a trailing twelve-month return on equity of 12.66%.

When did OptimumBank's stock split?

OptimumBank's stock 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 closing bell 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 investors of OptimumBank include Renaissance Technologies LLC (0.54%) and Dimensional Fund Advisors LP (0.27%).
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.
Compare Top Brokerages Here.

What other stocks do shareholders of OptimumBank own?

Based on aggregate information from My MarketBeat watchlists, some other companies that OptimumBank investors own include AcelRx Pharmaceuticals (ACRX), BIOLASE (BIOL), Albireo Pharma (ALBO), Athersys (ATHX), Cyclacel Pharmaceuticals (CYCC) and Gevo (GEVO).

Company Calendar

• Last Earnings: 8/05/2024
• Today: 9/27/2024
• Next Earnings (Estimated): 11/14/2024
• Fiscal Year End: 12/31/2024

Industry, Sector and Symbol

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

Price Target and Rating

• Average Stock Price Target: $5.25
• High Stock Price Target: $5.25
• Low Stock Price Target: $5.25
• Potential Upside/Downside: +15.6%
• Consensus Rating: Hold
• Rating Score (0-4): 2.00
• Research Coverage: 1 Analysts

Profitability

• EPS (Most Recent Fiscal Year): $1.02
• Trailing P/E Ratio: 4.45
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $6.28 million
• Net Margins: 18.24%
• Pretax Margin: 24.55%
• Return on Equity: 12.66%
• Return on Assets: 1.16%

Debt

• Debt-to-Equity Ratio: 0.52
• Current Ratio: 1.13
• Quick Ratio: 1.13

Sales & Book Value

• Annual Sales: $33.95 million
• Price / Sales: 1.29
• Cash Flow: $0.92 per share
• Price / Cash Flow: 4.93
• Book Value: $9.66 per share
• Price / Book: 0.47

Miscellaneous

• Outstanding Shares: 9,635,000
• Free Float: 8,297,000
• Market Cap: $43.74 million
• Optionable: Not Optionable
• Beta: 0.37