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Upturn AI SWOT - About
OPHC 
OptimumBank Holdings, Inc. (OPHC)
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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
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 19.95% | Avg. Invested days 43 | 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 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 - |
Upturn AI SWOT
OptimumBank Holdings, Inc.
Company Overview
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.
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 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
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
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
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.
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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