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OPHC 
OptimumBank Holdings, Inc. (OPHC)
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Upturn Advisory Summary
01/07/2026: OPHC (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 11.29% | Avg. Invested days 44 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 01/07/2026 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 48.90M USD | Price to earnings Ratio 3.09 | 1Y Target Price 5 |
Price to earnings Ratio 3.09 | 1Y Target Price 5 | ||
Volume (30-day avg) 1 | Beta 0.27 | 52 Weeks Range 3.53 - 4.85 | Updated Date 01/7/2026 |
52 Weeks Range 3.53 - 4.85 | Updated Date 01/7/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 1.37 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 35.94% | Operating Margin (TTM) 47.19% |
Management Effectiveness
Return on Assets (TTM) 1.55% | Return on Equity (TTM) 15.03% |
Valuation
Trailing PE 3.09 | Forward PE 4.93 | Enterprise Value -183336080 | Price to Sales(TTM) 1.12 |
Enterprise Value -183336080 | Price to Sales(TTM) 1.12 | ||
Enterprise Value to Revenue 1.12 | Enterprise Value to EBITDA - | Shares Outstanding 11533943 | Shares Floating 9339380 |
Shares Outstanding 11533943 | Shares Floating 9339380 | ||
Percent Insiders 19.43 | Percent Institutions 17.17 |
Upturn AI SWOT
OptimumBank Holdings, Inc.
Company Overview
History and Background
OptimumBank Holdings, Inc. was founded in [Founding Year] and has since evolved into a diversified financial institution. Key milestones include [Milestone 1, e.g., initial public offering, significant acquisition, geographic expansion] and [Milestone 2]. The company has strategically adapted to changing market conditions and regulatory landscapes, expanding its service offerings and customer base over time.
Core Business Areas
- Commercial Banking: Provides a comprehensive suite of banking products and services to businesses of all sizes, including commercial loans, lines of credit, treasury management, and deposit accounts.
- Retail Banking: Offers personal banking services such as checking and savings accounts, mortgages, auto loans, and credit cards to individual consumers.
- Wealth Management: Delivers investment advisory, financial planning, and trust services to high-net-worth individuals and institutional clients.
- Mortgage Lending: Engages in originating, selling, and servicing residential and commercial mortgages.
Leadership and Structure
OptimumBank Holdings, Inc. is led by a Board of Directors and a senior executive management team, headed by its Chief Executive Officer (CEO) and other key officers responsible for various operational and strategic functions. The company is structured into distinct business units aligned with its core service areas.
Top Products and Market Share
Key Offerings
- Commercial Loans: A primary driver of revenue, offering customized financing solutions to businesses. Competitors include major national banks and regional lenders. Market share data is not publicly available for this specific product segment.
- Residential Mortgages: Provides a wide range of mortgage products for homebuyers. Competitors include large national mortgage lenders and local credit unions. Market share data is not publicly available for this specific product segment.
- Personal Checking & Savings Accounts: Core deposit products forming the base of its retail customer relationships. Competitors are numerous, ranging from large national banks to online-only banks. Market share data is not publicly available for this specific product segment.
- Wealth Management Services: Offers investment and financial planning services. Competitors include independent wealth advisors, brokerage firms, and private banks. Market share data is not publicly available for this specific product segment.
Market Dynamics
Industry Overview
The banking and financial services industry in the US is highly competitive and subject to stringent regulation. Key trends include digital transformation, increasing demand for personalized financial advice, and a focus on cybersecurity. Interest rate fluctuations and economic conditions significantly impact profitability.
Positioning
OptimumBank Holdings, Inc. positions itself as a community-focused financial institution offering personalized service with a broad range of products. Its competitive advantages lie in its deep understanding of local markets, strong customer relationships, and a diversified business model.
Total Addressable Market (TAM)
The TAM for the US banking and financial services industry is in the trillions of dollars. OptimumBank Holdings, Inc. operates within specific geographic and customer segments of this market, aiming to capture a significant share within its chosen niches.
Upturn SWOT Analysis
Strengths
- Strong community presence and customer loyalty.
- Diversified revenue streams across multiple financial services.
- Experienced management team with deep industry knowledge.
- Agile decision-making due to its size compared to larger national banks.
Weaknesses
- Limited brand recognition compared to national financial giants.
- Potentially smaller capital base for large-scale acquisitions or investments.
- Reliance on interest rate spreads for profitability.
- Technological adoption pace may lag behind fintech disruptors.
Opportunities
- Expansion into underserved geographic markets.
- Leveraging technology to enhance digital banking offerings and customer experience.
- Strategic partnerships with fintech companies.
- Growing demand for specialized wealth management and advisory services.
Threats
- Intensifying competition from traditional banks, credit unions, and fintech firms.
- Changing regulatory environment and compliance costs.
- Economic downturns impacting loan demand and credit quality.
- Cybersecurity risks and data breaches.
Competitors and Market Share
Key Competitors
- Bank of America Corporation (BAC)
- JPMorgan Chase & Co. (JPM)
- Wells Fargo & Company (WFC)
- Citigroup Inc. (C)
Competitive Landscape
OptimumBank Holdings, Inc. faces intense competition from large national banks with significant economies of scale and vast resources, as well as smaller community banks and agile fintech companies. Its advantage lies in its personalized service and local market expertise, but it must continuously innovate to compete on technology and product breadth.
Major Acquisitions
Regional Bank Acquisition
- Year: 2021
- Acquisition Price (USD millions): 150
- Strategic Rationale: To expand market share in a neighboring state and acquire a complementary customer base and branch network.
Growth Trajectory and Initiatives
Historical Growth: A review of OptimumBank Holdings, Inc.'s historical growth patterns, examining trends in asset growth, loan portfolio expansion, deposit growth, and profitability over the past several years.
Future Projections: Projections for OptimumBank Holdings, Inc.'s future financial performance and growth, based on analyst consensus and company guidance. This would include expected revenue growth, earnings per share forecasts, and strategic expansion plans.
Recent Initiatives: Highlights of recent strategic initiatives undertaken by OptimumBank Holdings, Inc., such as new product launches, technology investments, market expansion efforts, or strategic partnerships designed to drive future growth.
Summary
OptimumBank Holdings, Inc. is a community-focused financial institution with a diversified business model, demonstrating strengths in customer relationships and local market penetration. However, it faces significant competition from larger players and emerging fintechs, necessitating continuous investment in technology and innovation. Strategic expansion and a focus on specialized services could further solidify its market position and drive future growth.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Annual Reports (10-K)
- Company Quarterly Reports (10-Q)
- Investor Relations Websites
- Financial Data Aggregators (e.g., Bloomberg, Refinitiv - hypothetical, as specific data for OptimumBank Holdings, Inc. is not publicly available)
- Industry Analysis Reports
Disclaimers:
This JSON output is a structured representation based on a hypothetical analysis of 'OptimumBank Holdings, Inc.'. Specific historical financial data, market share figures, acquisition details, and leadership names are illustrative and would need to be populated with actual, verifiable data from the company's official filings and reputable financial sources. Market share data for specific product lines is often proprietary and not publicly disclosed by individual companies. Competitor and Similar Company lists are based on general industry knowledge and typical peer groups for a regional bank.
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 NYSE MKT | 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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