OptimumBank Holdings, Inc.
OPHCNYSE
$6.03
↑ +0.3%Jul 17 close · end-of-day
Price
1Y↑ +33.7%
End-of-day closes; the latest point is the live 15-min-delayed price · split & dividend adjusted · chart by TradingView
Key statistics
Market Cap
$142.3M
Enterprise Value
$142.3M
P/E
8.1
P/S
—
P/B
1.1
EV/EBITDA
—
PEG
5.6
FCF Yield
15.1%
Dividend Yield
—
Revenue (TTM)
—
Net Income (TTM)
$17.4M
Free Cash Flow (TTM)
$21.5M
Gross Margin
—
Operating Margin
—
Net Margin
—
ROE
13.8%
ROIC
—
Debt / Equity
—
Net Cash
—
Return 1Y
+33.7%
Company profile
OptimumBank Holdings, Inc. provides various consumer and commercial banking services to individuals and businesses. It accepts demand interest-bearing and noninterest-bearing, savings, money market, NOW, and time deposit accounts. The company also provides debit and ATM cards; investment, cash management, notary, and night depository services.
- CEO
- Timothy L. Terry
- Sector
- Finance, Insurance, And Real Estate
- Industry
- Banking
- Employees
- 40
- Headquarters
- Florida
- Website
- www.optimumbank.com
Earnings
OPHC Q1 2026 Earnings
Period ends 2026-03-31
MetricActualYoY
Revenue——
Diluted EPS$0.20↑ +17.6%
Actuals from SEC filings; YoY vs the year-ago quarter. Analyst estimates & surprise require a data feed (coming soon).
Financial statements
| Line item | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — |
| Gross profit | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | -$782,000.00 | $6.3M | $4.0M | $6.3M | $13.1M | $16.6M |
| Diluted EPS | — | — | $0.68 | $0.87 | $0.63 | $0.71 |
| Operating cash flow | -$1.5M | $3.8M | $10.4M | $6.9M | $15.6M | $17.8M |
| Free cash flow | -$1.7M | $3.4M | $10.0M | $6.2M | $14.6M | $16.9M |
| Gross margin | — | — | — | — | — | — |
| Operating margin | — | — | — | — | — | — |
| Net margin | — | — | — | — | — | — |
| Line item | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 |
|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — | — | — |
| Gross profit | — | — | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — | — | — |
| Net income | $3.5M | $3.3M | $3.9M | $3.9M | $3.6M | $4.3M | $4.9M | $4.7M |
| Diluted EPS | $0.34 | $0.15 | -$0.17 | $0.17 | $0.29 | $0.18 | $0.07 | $0.20 |
| Operating cash flow | $3.1M | $4.0M | $6.0M | $3.1M | $6.2M | $1.9M | $6.6M | $7.9M |
| Free cash flow | $2.7M | $3.9M | $5.7M | $2.9M | $5.9M | $1.9M | $6.3M | $7.4M |
| Gross margin | — | — | — | — | — | — | — | — |
| Operating margin | — | — | — | — | — | — | — | — |
| Net margin | — | — | — | — | — | — | — | — |
Company news
Analyst estimates
Coming soonConsensus revenue & EPS estimates and price targets will appear here once a forward-estimates data feed is connected.
Insider transactions
BoughtSoldMonthly insider $ volume · trailing 12 months
| Date | Insider | Type | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|
| 2026-02-02 | Terry Timothy· PEO | Sale | 39,304 | $4.73 | $185,907.92 | filing |
| 2026-01-27 | Blisko Michael | J | 531,178 | $0.00 | $0.00 | filing |
| 2025-12-04 | Blisko Michael | Buy | 7,600 | $4.09 | $31,084.00 | filing |
| 2025-12-04 | Blisko Michael | Sale | 7,600 | $4.09 | $31,084.00 | filing |
Latest 4 transactions.
Fundamentals & filings from SEC EDGAR. Prices adjusted for splits & dividends. Not investment advice.