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Upturn AI SWOT - About
OPHC 
OptimumBank Holdings, Inc. (OPHC)
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Upturn Advisory Summary
08/28/2025: 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 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 51.35M USD | Price to earnings Ratio 3.36 | 1Y Target Price 5 |
Price to earnings Ratio 3.36 | 1Y Target Price 5 | ||
Volume (30-day avg) 1 | Beta 0.5 | 52 Weeks Range 3.53 - 5.90 | Updated Date 08/29/2025 |
52 Weeks Range 3.53 - 5.90 | Updated Date 08/29/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 1.28 |
Earnings Date
Report Date 2025-08-06 | When After Market | Estimate 0.15 | Actual 0.29 |
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 3.36 | Forward PE 6.94 | Enterprise Value -128528096 | Price to Sales(TTM) 1.24 |
Enterprise Value -128528096 | Price to Sales(TTM) 1.24 | ||
Enterprise Value to Revenue 1.23 | 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. (formerly Hamilton Bancorp, Inc.) was founded in 2000. It operates as the bank holding company for OptimumBank, a commercial bank providing financial services in South Florida. It has grown through organic expansion and strategic initiatives focusing on community banking.
Core Business Areas
- Commercial Banking: Provides a range of commercial banking services, including loans, deposits, and cash management to businesses.
- Retail Banking: Offers retail banking services such as checking and savings accounts, mortgages, and personal loans to individuals.
- Wealth Management: Offers Wealth Management services to individuals, trusts, estates, and retirement accounts
Leadership and Structure
OptimumBank Holdings is led by a board of directors and a management team. The organizational structure includes various departments responsible for different aspects of banking operations, risk management, and compliance.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans are offered to businesses for various purposes, including expansion, working capital, and equipment financing. No official market share data is publicly available. Competitors include larger national and regional banks (e.g., BAC, WFC, JPM) and other community banks.
- Mortgage Lending: Mortgage products for residential real estate. Market share data is not publicly available. Competitors include national mortgage lenders (e.g., Rocket Mortgage, United Wholesale Mortgage) and other local banks.
- Deposit Accounts: Checking, savings, and money market accounts for businesses and individuals. Market share data not publicly available, heavily competitive market includes other large banks as mentioned before as well as credit unions.
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory changes and economic conditions. Key trends include increasing digitalization, rising interest rates, and evolving customer expectations.
Positioning
OptimumBank Holdings operates as a community bank, focusing on building relationships with local businesses and individuals. Its competitive advantages include personalized service and local market knowledge.
Total Addressable Market (TAM)
The TAM for banking services in South Florida is substantial, encompassing commercial and retail banking needs. OptimumBank's positioning allows it to capture a portion of this market through its focus on community relationships.
Upturn SWOT Analysis
Strengths
- Strong local presence in South Florida
- Personalized customer service
- Experienced management team
- Established relationships with local businesses
Weaknesses
- Limited geographic reach compared to larger banks
- Smaller scale may limit access to capital markets
- Dependence on the South Florida economy
- Limited brand recognition outside of South Florida
Opportunities
- Expanding product offerings to meet customer needs
- Increasing digital banking capabilities
- Growing the loan portfolio through strategic partnerships
- Acquiring other community banks or branches
Threats
- Rising interest rates could impact loan demand
- Increased competition from larger banks and fintech companies
- Economic downturn in South Florida
- Regulatory changes could increase compliance costs
Competitors and Market Share
Key Competitors
- BAC
- WFC
- JPM
- C
- USB
Competitive Landscape
OptimumBank faces strong competition from larger national and regional banks. It differentiates itself through personalized service and local market knowledge. However, its smaller size limits its scale and resources.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been driven by organic expansion and strategic initiatives in the South Florida market.
Future Projections: Future growth projections depend on market conditions, competition, and the company's ability to execute its strategic plan. Analyst estimates are not readily available.
Recent Initiatives: Recent initiatives may include expanding digital banking services, increasing commercial lending activities, and focusing on customer acquisition.
Summary
OptimumBank Holdings, Inc. is a community bank with a strong local presence in South Florida. It leverages personalized service and local knowledge to compete with larger banks. However, its smaller size and limited geographic reach present challenges, requiring it to capitalize on growth opportunities and manage competitive threats effectively.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC filings
- Company website
- Industry reports
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market share estimates are based on available information and may not be precise.
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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