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OptimumBank Holdings, Inc. OPHC

NYSE · stock · National Commercial Banks · website · IPO 2003-05-08

OptimumBank Holdings, Inc. statistics & valuation

Market cap$71.8M
P / E4.3×
P / B0.6×
P / FCF4.2×
Return on equity13.7%
Graham number +45.8%$12.90

Market cap as of 2026-06-30. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($12.90); a green figure means the price is below it.

Profitability & efficiency

Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
-12.90% -23.10% 15.00% -15.30% -4.40% 16.30% 6.40% 9.00% 12.70% 13.70% 2016201720182019202020212022202320242025
Shares outstanding
1.1M 1.1M 1.9M 2.9M 3.2M 4.8M 7.1M 7.24B 11.6M 11.7M 2016201720182019202020212022202320242025
Net debt ($)
2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
-0.30% -0.60% 0.80% -0.90% -0.30% 1.80% 0.70% 0.80% 1.40% 1.50% 2016201720182019202020212022202320242025
Free cash flow margin (%)
2016201720182019202020212022202320242025
Debt / equity (×)
2016201720182019202020212022202320242025
EPS ($)
-$0.38 -$0.53 $0.68 $0.87 $0.63 $0.71 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

OptimumBank Holdings, Inc. trades at about 12.5× earnings — above its 10-year norm (10-year range 5.1×–7.2×, median 6.1×).

5.1× 12.5×

Shaded band = 10-year range (5.1×–7.2×); dot = today's 12.5×.

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)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Return on assets1.5%1.4%0.8%0.7%1.8%-0.3%-0.9%0.8%-0.6%-0.3%
Return on equity13.7%12.7%9.0%6.4%16.3%-4.4%-15.3%15.0%-23.1%-12.9%

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.