OptimumBank Inc.

OPHC | AMEX

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$9.20

-$0.13 (-1.39%)

At close: Sep 21, 2026, 4:00 PM ET

$9.20

$0 (0.00%)

After-hours: Sep 21, 2026, 4:00 PM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Profile

Market Data

Market Cap $113.51M

Enterprise Value $73.2M

Beta 0.29

Average Volume 82.8K

Shares Outstanding (Diluted) N/A

Shares Change YoY -2.61%

Institutional Ownership 13.96%

Exchange AMEX

ISIN US68401P4037

Price Performance

Price Change 1M 6.0%

Price Change 3M 59.7%

Price Change 6M 72.0%

Price Change YTD 117.0%

Price Change 1Y 115.5%

Price Change 3Y 195.8%

Price Change 5Y 84.0%

1M CAGR (ann.) 3.7%

1Y CAGR (ann.) 127.0%

5Y CAGR (ann.) 14.3%

All-Time CAGR -22.4%

Valuation

PE Ratio 7.48

Forward PE 7.08

PEG Ratio 0.21

Forward PEG 0.44

PS Ratio 1.42

Forward PS 1.40

PB Ratio 0.83

P/FCF Ratio 5.06

P/Adj. FCF Ratio 5.30

P/OCF Ratio 4.13

EV/Sales 0.93

EV/EBIT 4.00

EV/EBITDA 2.15

EV/FCF 3.31

Earnings Yield 13.4%

FCF Yield 19.8%

Adj. FCF Yield 18.9%

Financial Health

Net Cash $38.74M

Total Debt $2.55M

Cash & Short-Term Investments $41.28M

Total Assets $1.4B

Current Ratio 18.12

Quick Ratio 18.12

Debt / Equity Ratio 0.04

Debt / EBITDA 0.07

Debt / FCF 0.12

OCF / Debt 8.86

Interest Coverage 1.13

Altman Z-Score 0.22

Piotroski F-Score 5

Margins & Profitability

Gross Profit Margin 69.4%

Operating Profit Margin 15.4%

EBITDA Margin 35.0%

Net Profit Margin 26.1%

FCF Margin 28.1%

Adj. FCF Margin 26.9%

SBC / Revenue 1.3%

SBC Impact (per share) -4.6%

Returns

Return on Assets 1.5%

Return on Equity 16.4%

Return on Invested Capital 37.4%

Return on Capital Employed 1.9%

Return on Tangible Assets 1.5%

Historical Growth (CAGR)

Revenue CAGR 3Y 36.2%

Revenue CAGR 5Y 56.0%

Revenue CAGR 10Y 31.7%

EPS CAGR 3Y 22.4%

EPS CAGR 5Y 42.4%

EPS CAGR 10Y 35.5%

FCF CAGR 3Y 39.1%

FCF CAGR 5Y 35.3%

FCF CAGR 10Y 50.5%

Analyst Forecasts

Analyst Rating Buy

Analyst Count 1

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date Nov 8, 2026

EPS Estimate (next Q) $0.31

EPS Growth Est (next Q) 72.2%

Revenue Est (next Q) $17.9M

Revenue Growth Est (next Q) -2.2%

Fair Value Estimates

Graham Number $17.64

Graham Upside 91.7%

Lynch Fair Value $30.75

Lynch Upside 234.2%

Price Target $8.75

Price Target Upside -4.9%

Cash Flow

Operating Cash Flow $22.58M

Free Cash Flow $22.13M

Adj. Free Cash Flow $21.12M

FCF Per Share $2.21

OCF Per Share $2.23

OCF/S Ratio 34.0%

Income Statement

Revenue $78.65M

Gross Profit $25.47M

Operating Income $12.12M

EBITDA $34.06M

Net Income $20.49M

EPS (Diluted) $1.23

Revenue / Employee $802.52K

Profit / Employee $209.12K

Employees 98