Stocktoria
OptimumBank Holdings, Inc. OPHC
OptimumBank Holdings, Inc. (OPHC) earns a Piotroski F-score of 4/9 (mixed financial health). It does not currently pay a dividend.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Wall Street analyst consensus — a sentiment gauge, not our scoring.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 4/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| OPHC | OptimumBank Holdings, Inc. | 4/9 | — | 4.3 | — |
| MFG | MIZUHO FINANCIAL GROUP INC | 4/9 | — | — | +7.6% |
| JPM | JPMORGAN CHASE & CO | 2/9 | — | 15.5 | +2.8% |
| BAC | BANK OF AMERICA CORP /DE/ | 5/9 | — | 13.5 | +6.8% |
| C | CITIGROUP INC | 3/9 | — | 17 | +5.6% |
| COF | CAPITAL ONE FINANCIAL CORP | 4/9 | — | 51.2 | +36.6% |
| USB | US BANCORP DE | 6/9 | — | 12.1 | +4.4% |
All Finance, Insurance & Real Estate companies →
About OptimumBank Holdings, Inc.
OptimumBank Holdings, Inc. operates as the bank holding company for OptimumBank, which provides various consumer and commercial banking services to individuals and businesses. The company accepts 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. OptimumBank Holdings, Inc. was founded in 2000 and is headquartered in Fort Lauderdale, Florida.
FAQ
Is OPHC financially healthy?
OptimumBank Holdings, Inc.'s Piotroski F-score is 4/9 (8–9 is excellent, 0–3 weak).
Does OPHC pay a dividend?
No, OptimumBank Holdings, Inc. does not currently pay a dividend.
How profitable is OPHC?
In FY2025, OptimumBank Holdings, Inc. had a return on equity of 13.7%.
Is OPHC overvalued or undervalued?
OptimumBank Holdings, Inc. trades at about 12.6× trailing earnings — above its 10-year norm (10-year range 5.1×–7.2×, median 6.1×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for OPHC?
The average Wall-Street price target for OptimumBank Holdings, Inc. is $7.17, about 19.9% below the recent price, from 3 analysts.
Is OPHC a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on OptimumBank Holdings, Inc.: a Piotroski F-score of 4/9, a P/E of about 4.3×. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.