Price
$9.11+52.34%Social Signal Score
Analyst Ratings
1 analystRevenue
$19.94M+1490.27%Analyst Estimates
Consensus estimates, not results. Via Financial Modeling Prep.
Company Profile
- CEO
- Moishe Gubin
- Sector
- Financial Services
- Industry
- Banks - Regional
- Employees
- 98
- Beta
- 0.29
- Country
- US
- Piotroski score
- 6 / 9 (Middling)
- Altman Z-score
- 0.23
Financials
Revenue
$19.94M+1490.3%Net Income
$6.66M+30150.0%EBITDA
$9.08M+14538.7%Free Cash Flow
$10.72M+4818.8%EPS (diluted)
$0.56+2700.0%Shares Outstanding (diluted)
11.96M+989.3%Operating Expenses
$6.06MCash & Debt
$41.28MReturn of Capital
$0.00Quote
Valuation & Ratios
Returns & Efficiency
Revenue & Net Income (Annual)
| Fiscal Year | Revenue | Net Income | EPS |
|---|---|---|---|
| 2025 | $71.13M | $16.65M | $1.42 |
| 2024 | $64.25M | $13.12M | $1.39 |
| 2023 | $39.23M | $6.28M | $0.87 |
| 2022 | $22.84M | $4.02M | $0.68 |
| 2021 | $11.82M | $6.30M | $1.61 |
| 2020 | $7.00M | $-782.0K | $-0.27 |
| 2019 | $5.36M | $-1.10M | $-0.58 |
| 2018 | $4.38M | $796.0K | $0.53 |
| 2017 | $4.77M | $-589.0K | $-0.53 |
| 2016 | $4.62M | $-396.0K | $-0.38 |
| 2015 | $4.95M | $-163.0K | $-0.17 |
| 2014 | $5.96M | $1.60M | $1.85 |
| 2013 | $5.06M | $-7.08M | $-8.90 |
| 2012 | $5.01M | $-4.70M | $-6.90 |
Valuation
Project earnings forward and see what return today's price implies.
EPS was negative in at least one boundary year, so a compound growth rate can't be computed from it. Set your own assumption.
- EPS in 5 years
- $2.08
- Implied price
- $37.47
- Return from $9.04
- 32.9% a year
To earn 15.0% a year on these assumptions you'd need to buy at $18.63 — today's price is already 51.5% below that.
How sensitive is that answer?
Annual return across nearby assumptions. If the result is only attractive in one corner, that is the finding.
| growth \ P/E | 12 | 15 | 18 | 21 | 24 |
|---|---|---|---|---|---|
| -2.0% | 11.2% | 16.3% | 20.6% | 24.4% | 27.7% |
| 3.0% | 16.9% | 22.2% | 26.7% | 30.7% | 34.2% |
| 8.0% | 22.5% | 28.1% | 32.9% | 37.1% | 40.8% |
| 13.0% | 28.2% | 34.1% | 39.0% | 43.4% | 47.3% |
| 18.0% | 33.9% | 40.0% | 45.2% | 49.7% | 53.8% |
This is arithmetic on assumptions you chose, not a forecast or a recommendation. It ignores dividends, buybacks, share issuance and debt, and it assumes a company still earning money in 5 years. Change any input and the answer changes a lot — that sensitivity is the honest result, not a flaw in the model.
Signal Score (90d)
120+20.00%Social Signal Score
Mentions (5)
- Newszacks.com·15d ago·Positive
Recent Price Trend in OptimumBank (OPHC) is Your Friend, Here's Why If you are looking for stocks that are well positioned to maintain their recent uptrend, OptimumBank (OPHC) could be a great choice. It is one of the several stocks that passed through our "Recent Price Strength" screen.
View source ↗ - Newszacks.com·35d ago·Positive
OptimumBank (OPHC) Upgraded to Strong Buy: Here's What You Should Know OptimumBank (OPHC) might move higher on growing optimism about its earnings prospects, which is reflected by its upgrade to a Zacks Rank #1 (Strong Buy).
View source ↗ - Newszacks.com·53d ago·Neutral
OptimumBank (OPHC) Is a Great Choice for 'Trend' Investors, Here's Why OptimumBank (OPHC) made it through our "Recent Price Strength" screen and could be a great choice for investors looking to make a profit from stocks that are currently on the move.
View source ↗ - Newsseekingalpha.com·53d ago·Positive
OptimumBank Holdings, Inc. (OPHC) Q2 2026 Earnings Call Transcript OptimumBank Holdings, Inc. (OPHC) Q2 2026 Earnings Call Transcript
View source ↗ - Newsseekingalpha.com·59d ago·Neutral
OptimumBank Holdings: The Opportunity Does Not Come Without Risk OptimumBank Holdings has delivered exceptional loan and asset growth, with a 55% loan and 40% asset increase year-over-year. OPHC's Q2 2026 operational metrics are strong: 2.04% ROAA, 20.34% ROAE, and a 4.57% net interest margin, all well above peers. Despite compelling forward PE (9.1) and rapid tangible book value growth, OPHC's risk profile is elevated due to CRE loan concentration and declining capital ratios.
View source ↗
Earnings
Mon, Nov 9(in 5 weeks)
Consensus estimate $0.31 per share
Typical surprise +90.8% (median, so one quarter with a near-zero estimate can't distort it)
- Fri, Jul 24$0.28 vs $0.21beat
- Fri, Apr 24$0.20 vs $0.19beat
- Mon, Feb 2$0.21 vs $-0.03beat
- Thu, Aug 7$0.29 vs $0.15beat
- Mon, May 12$0.32 vs $0.17beat
- Wed, Feb 5$0.35 vs $0.17beat
Estimates and results for OPHC via Financial Modeling Prep. Beating consensus says the company cleared the bar analysts set, not that the business grew.
Insider trading
Open-market buys and sells by OPHC officers and directors.
- Bought
- $677.8bn
- Sold
- $886k
35 trades
27 trades
- Terry Timothysold
- Blisko Michaelbought
- Blisko Michaelsold
- Gubin Moishebought
- Gubin Moishebought
- Gubin Moishebought
- Blisko Michaelsold
- Terry Timothysold
38 further Form 4 entries are share awards, option exercises or shares withheld for tax. Those are compensation, not trades, so they are excluded above. Buying is the stronger signal: an insider spends their own money for one reason. Selling has many innocent explanations — tax, diversifying, a house — so it says far less than it appears to. Via SEC filings.
Congress trades
No disclosed congressional trades in OPHC.
Self-reported filings, amounts as brackets. Via Senate/House disclosures.