Stocktoria
OptimumBank Holdings, Inc. OPHC
NYSE American · XASE · stock · National Commercial Banks · website · IPO 2003-05-08
OptimumBank Holdings, Inc. statistics & valuation
Market cap as of 2026-06-30. Multiples are price-derived and refreshed daily; everything else is from filings.
P / E vs its own history
OptimumBank Holdings, Inc. trades at about 8.2× earnings — above its 10-year norm (10-year range 5.1×–7.2×, median 6.1×).
5.1×
7.2×
Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.
Key ratios (by fiscal year)
| Ratio | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on assets | 1.5% | 1.4% | 0.8% | 0.7% | 1.8% | -0.3% | -0.9% | 0.8% | -0.6% | -0.3% |
| Return on equity | 13.7% | 12.7% | 9.0% | 6.4% | 16.3% | -4.4% | -15.3% | 15.0% | -23.1% | -12.9% |
Source: SEC EDGAR filings · CIK 0001288855 · as of 2025-12-31. Facts from filings plus Stocktoria's own computed scores — not investment advice.