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OPHC logo OPHC
Upturn stock ratingUpturn stock rating
OPHC logo

OptimumBank Holdings, Inc. (OPHC)

Upturn stock ratingUpturn stock rating
$4.47
Last Close (24-hour delay)
Profit since last BUY0.68%
upturn advisory
Consider higher Upturn Star rating
BUY since 39 days
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
  • Loss
  • Pass (Skip investing)
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
  • YEAR
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Upturn Advisory Summary

06/30/2025: OPHC (1-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

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

Analysts Price Target For last 52 week
$5Target price
Low$3.53
Current$4.47
high$5.9

Analysis of Past Performance

Type Stock
Historic Profit 19.95%
Avg. Invested days 43
Today’s Advisory Consider higher Upturn Star rating
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 3.0
Stock Returns Performance Upturn Returns Performance 2.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 06/30/2025

Key Highlights

Company Size Small-Cap Stock
Market Capitalization 53.00M USD
Price to earnings Ratio 3.37
1Y Target Price 5
Price to earnings Ratio 3.37
1Y Target Price 5
Volume (30-day avg) 1
Beta 0.48
52 Weeks Range 3.53 - 5.90
Updated Date 06/30/2025
52 Weeks Range 3.53 - 5.90
Updated Date 06/30/2025
Dividends yield (FY) -
Basic EPS (TTM) 1.34

Earnings Date

Report Date -
When -
Estimate -
Actual -

Profitability

Profit Margin 36.56%
Operating Margin (TTM) 49.84%

Management Effectiveness

Return on Assets (TTM) 1.52%
Return on Equity (TTM) 15.3%

Valuation

Trailing PE 3.37
Forward PE 7.39
Enterprise Value -77712624
Price to Sales(TTM) 1.33
Enterprise Value -77712624
Price to Sales(TTM) 1.33
Enterprise Value to Revenue 1.6
Enterprise Value to EBITDA -
Shares Outstanding 11751100
Shares Floating 9563736
Shares Outstanding 11751100
Shares Floating 9563736
Percent Insiders 19
Percent Institutions 14.46

Analyst Ratings

Rating 1
Target Price 5
Buy -
Strong Buy -
Buy -
Strong Buy -
Hold 1
Sell -
Strong Sell -
Strong Sell -

ai summary icon Upturn AI SWOT

OptimumBank Holdings, Inc.

stock logo

Company Overview

overview logo History and Background

OptimumBank Holdings, Inc. (stock symbol OPTB) was founded in 2000 and is headquartered in Fort Lauderdale, Florida. It operates as the holding company for OptimumBank. The bank has focused on serving small to medium-sized businesses and individuals in South Florida. The company has grown through organic expansion and strategic initiatives within its regional market.

business area logo Core Business Areas

  • Commercial Banking: Provides a range of lending and deposit products to small and medium-sized businesses, including commercial real estate loans, business lines of credit, and treasury management services.
  • Retail Banking: Offers personal banking services, including checking accounts, savings accounts, mortgage loans, and consumer loans to individuals.
  • Wealth Management: Offers wealth advisory and investment services to high-net-worth individuals and families through Optimum Investment Advisors.

leadership logo Leadership and Structure

The leadership team consists of executives with experience in banking and finance. The organizational structure involves various departments responsible for different banking operations, risk management, and compliance.

Top Products and Market Share

overview logo Key Offerings

  • Commercial Real Estate Loans: Provides financing for commercial properties. Market share data for OPTB is not readily available; it competes with larger national and regional banks such as Bank of America and Wells Fargo, as well as regional players like Amerant Bank. Revenue from CRE loans fluctuates depending on loan volume and interest rates.
  • Business Lines of Credit: Offers revolving credit lines to businesses for working capital and other short-term financing needs. Market share data is difficult to obtain specifically for OptimumBank; competition includes national banks and online lenders. Revenue depends on utilization rates and interest charged.
  • Mortgage Loans: Offers home loans to individual consumers. Market share data for OPTB is not readily available; they compete with national mortgage lenders and local credit unions. Revenue depends on interest rates and loan volume.

Market Dynamics

industry overview logo Industry Overview

The banking industry is heavily influenced by interest rates, economic conditions, and regulatory changes. Community banks like OptimumBank Holdings, Inc. face competition from larger national banks and fintech companies.

Positioning

OptimumBank Holdings, Inc. is positioned as a community bank focused on personalized service and local expertise. Its competitive advantages include strong relationships with local businesses and a focus on serving the South Florida market.

Total Addressable Market (TAM)

The TAM for banking services in South Florida is significant, encompassing businesses and individuals seeking financial solutions. OptimumBank's positioning allows it to capture a portion of this market by providing tailored services and fostering customer loyalty.

Upturn SWOT Analysis

Strengths

  • Strong local market knowledge
  • Personalized customer service
  • Experienced management team
  • Focus on small and medium-sized businesses

Weaknesses

  • Limited geographic reach
  • Smaller asset base compared to larger banks
  • Reliance on a specific regional economy
  • Lower brand recognition compared to national banks

Opportunities

  • Expansion into new markets within South Florida
  • Increased adoption of digital banking technologies
  • Growth in the local economy
  • Strategic partnerships with other financial institutions

Threats

  • Competition from larger banks
  • Economic downturns in South Florida
  • Rising interest rates
  • Increased regulatory scrutiny

Competitors and Market Share

competitor logo Key Competitors

  • BAC
  • WFC
  • C
  • FITB

Competitive Landscape

OptimumBank Holdings, Inc. faces stiff competition from larger national banks that have greater resources and wider geographic reach. However, its focus on personalized service and local expertise allows it to compete effectively within its target market.

Growth Trajectory and Initiatives

Historical Growth: Historical growth trends reflect expansion in loan portfolio, deposit base, and overall assets.

Future Projections: Future growth projections depend on market conditions, regulatory environment, and management strategies. Analyst estimates would provide insights into expected revenue growth, earnings per share, and stock price targets.

Recent Initiatives: Recent strategic initiatives might include expanding digital banking services, opening new branches, or forming partnerships with fintech companies.

Summary

OptimumBank Holdings is a small community bank with a focus on personalized service in South Florida. While its local presence is a strength, it faces competition from larger banks with greater resources. Future success depends on its ability to adapt to changing market conditions and capitalize on opportunities in the region. Growth can be achieved through further local expansion as well as offering new and updated services.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • Company SEC filings
  • Industry reports
  • Financial news sources

Disclaimers:

This analysis is based on publicly available information and should not be considered financial advice. Market conditions and company performance can change, affecting the accuracy of the analysis.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 73

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.