OptimumBank Holdings, Inc. (OPHC) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
OptimumBank Holdings, Inc. stock (OPHC) is currently trading at $5.36. OptimumBank Holdings, Inc. PE ratio is 7.61. OptimumBank Holdings, Inc. PS ratio (Price-to-Sales) is 1.39. Analyst consensus price target for OPHC is $6.00. WallStSmart rates OPHC as Buy.
- OPHC PE ratio analysis and historical PE chart
- OPHC PS ratio (Price-to-Sales) history and trend
- OPHC intrinsic value — DCF, Graham Number, EPV models
- OPHC stock price prediction 2025 2026 2027 2028 2029 2030
- OPHC fair value vs current price
- OPHC insider transactions and insider buying
- Is OPHC undervalued or overvalued?
- OptimumBank Holdings, Inc. financial analysis — revenue, earnings, cash flow
- OPHC Piotroski F-Score and Altman Z-Score
- OPHC analyst price target and Smart Rating
OptimumBank Holdings, Inc.
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OPHC Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · OptimumBank Holdings, Inc. (OPHC)
OPHC trades at a significant discount to its Graham intrinsic value of $27.43, offering a 81% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
OptimumBank Holdings, Inc. (OPHC) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, operating margin, price/sales. Concerns around market cap and institutional own.. Overall metrics suggest strong investment potential with favorable risk/reward.
OptimumBank Holdings, Inc. (OPHC) Key Strengths (6)
Keeps $50 of every $100 in revenue after operating costs
Trading below book value, meaning the market prices it less than net assets
Revenue surging 36.20% year-over-year
Keeps $35 of every $100 in revenue as net profit
Good growth relative to its price
Paying $1.39 for every $1 of annual revenue
Supporting Valuation Data
OptimumBank Holdings, Inc. (OPHC) Areas to Watch (4)
Very low institutional interest at 13.46%
Micro-cap company with very limited liquidity and high volatility
Moderate profitability with room for improvement
Solid earnings growth at 19.90%
OptimumBank Holdings, Inc. (OPHC) Detailed Analysis Report
Overall Assessment
This company scores 75/100 in our Smart Analysis, earning a B+ grade. Out of 10 metrics analyzed, 6 register as strengths (avg 9.3/10) while 4 fall into concern territory (avg 4.0/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Price/Book, Revenue Growth. Valuation metrics including PEG Ratio (1.03), Price/Sales (1.39), Price/Book (0.51) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 50.10%, Profit Margin at 35.20%. Growth metrics are encouraging with Revenue Growth at 36.20%.
The Bear Case
The primary concerns are Institutional Own., Market Cap, Return on Equity. Growth concerns include EPS Growth at 19.90%, which may limit upside. Profitability pressure is visible in Return on Equity at 14.80%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Institutional Own. improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 14.80% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 36.20% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Operating Margin and Price/Book makes a compelling case at current levels. The key risk is Institutional Own., but the overall fundamental picture is positive with a clear path to maintaining or improving the current B+ grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
OPHC Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
OPHC's Price-to-Sales ratio of 1.39x trades at a deep discount to its historical average of 4.93x (20th percentile). The current valuation is 91% below its historical high of 15.63x set in Nov 2017, and 256% above its historical low of 0.39x in Aug 2010.
WallStSmart Analysis Synopsis
Data-driven financial summary for OptimumBank Holdings, Inc. (OPHC) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
OptimumBank Holdings, Inc. is a strong growth company balancing expansion with improving profitability. Revenue reached 47M with 36% growth year-over-year. Profit margins are strong at 35.2%, reflecting pricing power and operational efficiency.
Key Findings
Revenue growing at 36% YoY, reaching 47M. This pace significantly outperforms most BANKS - REGIONAL peers.
Profit margin of 35.2% and operating margin of 50.1% demonstrate strong pricing power and operational efficiency.
What to Watch Next
Growth sustainability: can OptimumBank Holdings, Inc. maintain 36%+ revenue growth, or will competition slow it down?
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact OptimumBank Holdings, Inc..
Bottom Line
OptimumBank Holdings, Inc. offers an attractive blend of growth (36% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About OptimumBank Holdings, Inc.(OPHC)
NYSE MKT
FINANCIAL SERVICES
BANKS - REGIONAL
USA
OptimumBank Holdings, Inc. is OptimumBank's banking holding company that provides various commercial and consumer banking services to individuals and businesses. The company is headquartered in Fort Lauderdale, Florida.