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Upturn AI SWOT - About
OPHC 
OptimumBank Holdings, Inc. (OPHC)
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Upturn Advisory Summary
09/11/2025: OPHC (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
1 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $5
1 Year Target Price $5
| 0 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 8.68% | Avg. Invested days 48 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 09/11/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 50.59M USD | Price to earnings Ratio 3.32 | 1Y Target Price 5 |
Price to earnings Ratio 3.32 | 1Y Target Price 5 | ||
Volume (30-day avg) 1 | Beta 0.43 | 52 Weeks Range 3.53 - 5.90 | Updated Date 09/12/2025 |
52 Weeks Range 3.53 - 5.90 | Updated Date 09/12/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 1.28 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 35.68% | Operating Margin (TTM) 45.82% |
Management Effectiveness
Return on Assets (TTM) 1.55% | Return on Equity (TTM) 14.85% |
Valuation
Trailing PE 3.32 | Forward PE 7.66 | Enterprise Value -129150904 | Price to Sales(TTM) 1.23 |
Enterprise Value -129150904 | Price to Sales(TTM) 1.23 | ||
Enterprise Value to Revenue 1.22 | Enterprise Value to EBITDA - | Shares Outstanding 11751100 | Shares Floating 9563736 |
Shares Outstanding 11751100 | Shares Floating 9563736 | ||
Percent Insiders 19 | Percent Institutions 16.34 |
Upturn AI SWOT
OptimumBank Holdings, Inc.
Company Overview
History and Background
OptimumBank Holdings, Inc. was founded in 2000. It has grown through organic expansion and strategic acquisitions, focusing on providing community banking services.
Core Business Areas
- Commercial Banking: Offers loan products, deposit accounts, and cash management services to businesses.
- Retail Banking: Provides deposit accounts, personal loans, and mortgage services to individual customers.
- Wealth Management: Offers investment advisory services and trust services.
Leadership and Structure
The leadership team consists of experienced banking professionals. The organizational structure is typical for a community bank holding company, with distinct divisions for commercial and retail banking, as well as wealth management.
Top Products and Market Share
Key Offerings
- Commercial Loans: Offers loans to small and medium-sized businesses. Market share is small regionally but is growing. Competitors include larger national banks and other regional banks. Estimated market share is 1% - 2% in the specific operating region.
- Mortgages: Provides residential mortgage loans to individuals. Competitors include national mortgage lenders. Market share is 1% - 2% in the specific operating region.
- Deposit Accounts: Offers checking, savings, and money market accounts to individuals and businesses. Competitors include national and other community banks. Market share is 2% - 3% in the specific operating region.
Market Dynamics
Industry Overview
The banking industry is currently facing increased regulatory scrutiny, rising interest rates, and technological disruption from fintech companies.
Positioning
OptimumBank Holdings, Inc. is positioned as a community-focused bank, emphasizing personalized service and local expertise. Its competitive advantage lies in its strong relationships with local businesses and residents.
Total Addressable Market (TAM)
The TAM for banking services in OptimumBank's operating region is estimated at $5 billion annually. OptimumBank's current market share positions it to capture a small percentage of this TAM, leaving room for growth.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Personalized customer service
- Experienced management team
- Conservative lending practices
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Dependence on local economy
- Lower technology investment compared to larger banks
Opportunities
- Expansion into new markets
- Adoption of new technologies
- Increased demand for community banking services
- Strategic acquisitions of smaller banks
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn
- Rising interest rates
- Increased regulatory burden
Competitors and Market Share
Key Competitors
- WFC
- BAC
- JPM
Competitive Landscape
OptimumBank Holdings, Inc. faces intense competition from larger national banks and smaller regional players. Its advantage lies in its community focus and personalized service, but it must continue to innovate to compete effectively.
Growth Trajectory and Initiatives
Historical Growth: Growth has been steady, driven by organic expansion and strategic acquisitions. However, specific figures are unavailable.
Future Projections: Projections are difficult to ascertain without publicly available financial data. Future growth will depend on market conditions and the bank's ability to execute its growth strategy.
Recent Initiatives: Recent initiatives likely include efforts to enhance digital banking capabilities and expand its commercial lending portfolio.
Summary
OptimumBank Holdings, Inc. is a community bank with a strong local presence. It competes with larger banks by offering personalized service and focusing on local relationships. Its growth trajectory depends on expanding its market reach and adopting new technologies. Without financial details, a deeper analysis is limited.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Public reports about community banks
- Industry analysis reports
- General knowledge of banking industry
Disclaimers:
The analysis is based on limited publicly available information. Market share figures are estimates. The AI-based rating is for informational purposes only and should not be considered financial advice.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About OptimumBank Holdings, Inc.
Exchange NASDAQ | Headquaters Fort Lauderdale, FL, United States | ||
IPO Launch date 2003-06-23 | CEO - | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 73 | Website https://www.optimumbank.com |
Full time employees 73 | Website https://www.optimumbank.com | ||
OptimumBank Holdings, Inc. operates as the bank holding company for OptimumBank that provides various consumer and commercial banking services to individuals and businesses. The company accepts demand 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, as well as internet banking services. OptimumBank Holdings, Inc. was founded in 2000 and is based in Fort Lauderdale, Florida.
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