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Upturn AI SWOT - About
OPHC 
OptimumBank Holdings, Inc. (OPHC)
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Upturn Advisory Summary
10/10/2025: 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 10/10/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 47.59M USD | Price to earnings Ratio 3.16 | 1Y Target Price 5 |
Price to earnings Ratio 3.16 | 1Y Target Price 5 | ||
Volume (30-day avg) 1 | Beta 0.41 | 52 Weeks Range 3.53 - 5.90 | Updated Date 10/12/2025 |
52 Weeks Range 3.53 - 5.90 | Updated Date 10/12/2025 | ||
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 3.16 | Forward PE 7.66 | Enterprise Value -131498768 | Price to Sales(TTM) 1.15 |
Enterprise Value -131498768 | Price to Sales(TTM) 1.15 | ||
Enterprise Value to Revenue 1.17 | Enterprise Value to EBITDA - | Shares Outstanding 11751082 | Shares Floating 9563736 |
Shares Outstanding 11751082 | Shares Floating 9563736 | ||
Percent Insiders 19 | Percent Institutions 15.77 |
Upturn AI SWOT
OptimumBank Holdings, Inc.
Company Overview
History and Background
OptimumBank Holdings, Inc. was founded to provide financial services to individuals and businesses in South Florida. Its evolution has been focused on community banking and strategic growth in its target market.
Core Business Areas
- Commercial Banking: Offers a range of commercial lending and deposit products to businesses, including term loans, lines of credit, and commercial real estate financing.
- Retail Banking: Provides personal banking services such as checking and savings accounts, mortgages, and consumer loans to individuals.
Leadership and Structure
The leadership team consists of experienced banking professionals. The organizational structure is typical of a community bank, with distinct departments for lending, operations, and compliance.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties, used by developers and investors. Market share data is not publicly available. Competitors include regional and national banks like Bank of America (BAC) and Wells Fargo (WFC).
- Mortgages: Residential mortgage loans for home purchase and refinancing. Market share data is not publicly available. Competitors include Rocket Mortgage (RKT) and other national and local mortgage lenders.
Market Dynamics
Industry Overview
The banking industry is highly competitive, with increasing regulatory scrutiny and technological disruption. Interest rate fluctuations and economic conditions significantly impact profitability.
Positioning
OptimumBank Holdings, Inc. is positioned as a community bank focused on personalized service and local market expertise. Its competitive advantage lies in its relationships and understanding of the South Florida market.
Total Addressable Market (TAM)
The total addressable market for banking services in South Florida is substantial, encompassing individuals and businesses. OptimumBank's position is relatively small within the overall TAM, indicating room for growth but also significant competition.
Upturn SWOT Analysis
Strengths
- Strong local market knowledge
- Personalized customer service
- Experienced management team
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Reliance on the South Florida economy
Opportunities
- Expansion into new markets within South Florida
- Increased adoption of digital banking technologies
- Strategic partnerships with other financial institutions
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn in South Florida
- Rising interest rates and inflation
Competitors and Market Share
Key Competitors
- BAC
- WFC
- JPM
Competitive Landscape
OptimumBank faces significant competition from larger national banks with greater resources and broader product offerings. Its advantage lies in its local market expertise and personalized service, but it must innovate to compete effectively in the digital age.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends are not publicly accessible.
Future Projections: Future projections not accessible as company is not publicly traded.
Recent Initiatives: Recent initiatives are unavailable as information is not publicly accessible.
Summary
OptimumBank Holdings, Inc. is a community bank focused on serving the South Florida market. Its strengths lie in local market knowledge and personalized service. Its challenge is competing with larger banks and adapting to technological changes. The bank's success depends on effectively managing risks and capitalizing on growth opportunities in its target market.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website (if available), General Banking Industry Reports, Competitor Analyses
- AI-Generated Analysis
Disclaimers:
This analysis is based on limited publicly available information. The ratings and projections are AI-generated and should not be considered financial advice. Market share data for private companies is estimated. Financial data not available for OptimumBank Holdings, Inc.
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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