Price (90d)
$9.11Signal Score (90d)
100Quote
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 |
Social Signal Score
Earnings
Mon, Nov 9(in 3 months)
Consensus estimate $0.25 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 26$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.
Valuation
Project earnings forward and see what return today's price implies.
Seeded from OPHC's reported EPS growth of -3.1% a year over 4 years.
- EPS in 5 years
- $1.21
- Implied price
- $21.79
- Return from $9.81
- 17.3% a year
To earn 15.0% a year on these assumptions you'd need to buy at $10.83 — today's price is already 9.4% 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 |
|---|---|---|---|---|---|
| -13.1% | -3.0% | 1.4% | 5.2% | 8.5% | 11.4% |
| -8.1% | 2.6% | 7.3% | 11.2% | 14.7% | 17.8% |
| -3.1% | 8.2% | 13.1% | 17.3% | 21.0% | 24.2% |
| 1.9% | 13.7% | 18.9% | 23.4% | 27.2% | 30.7% |
| 6.9% | 19.3% | 24.8% | 29.4% | 33.5% | 37.1% |
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.
Mentions (3)
- Newszacks.com·1d 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·1d ago·Positive
OptimumBank Holdings, Inc. (OPHC) Q2 2026 Earnings Call Transcript OptimumBank Holdings, Inc. (OPHC) Q2 2026 Earnings Call Transcript
View source ↗ - Newsseekingalpha.com·7d 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 ↗