OPTIMUMBANK HOLDINGS INC

OPHCNYSE AMERICAN

🏆 #3347 by market capEarnings Nov 10US Equity

$8.95▲ $0.06 (+0.62%)

Market closed · at close

1h—

24h▲ 0.6%

7d▲ 2.1%

14d▲ 25.5%

30d▲ 51.6%

1y▲ 119.8%

🏦Market Cap

$110M

Small Cap

📈Revenue Growth (YoY)

+95.1%

High Growth

📊Gross Margin

—

💵FCF Margin

19.7%

Healthy

⚖️P/S Ratio

1.0x

Cheap

Otter Score

Weak

Trading Snapshot

Day Range: $8.90 – $9.03
52-Week Range: $3.91 – $9.23
Volume: $5.20B
Avg Volume: $4.80B
Shares Outstanding: 12.3M
Next Earnings: Oct 14, 2026

Fundamentals Snapshot

Annual Revenue: $71M
Last Q Revenue: $20M
P/E Ratio: 6.1
P/S Ratio: 1.0x
EPS (TTM): $1.10
Dividend Yield: —

Why Investors Own OPHC

✓High-growth profile — revenue up +47.4% YoY with expanding US Equity exposure.
✓Healthy economics — 73% gross margin and 12% free-cash-flow margin.
✓New products and segments could unlock additional revenue streams.

⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

Financial Trends

Revenue (TTM)

$71M▲ +50.6% YoY

Gross Margin (TTM)

72.5%▲ +2.5% YoY

Operating Income (TTM)

$14M▲ +50.6% YoY

Free Cash Flow (TTM)

$9M▲ +50.6% YoY

About OPTIMUMBANK HOLDINGS INC

OptimumBank Holdings, Inc. operates as the bank holding company for OptimumBank, which provides various consumer and commercial banking services to individuals and businesses. The company accepts interest-bearing and noninterest-bearing, savings, money market, and NOW accounts, as well as time deposits, wire transfers, ACH services, and certificates of deposit. It also offers multi-family real estate, residential and commercial real estate, and land and construction loans; commercial loans for working capital purposes or 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, the company provides 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. OptimumBank Holdings, Inc. was founded in 2000 and is headquartered in Fort Lauderdale, Florida.

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