Optimumbank Holdings Inc
Research Optimumbank Holdings Inc (OPHC) on Bullrun: valuation model: 19.2% overvalued, market cap USD 205.39M, P/E 9.9. Explore financials, valuation history, model signals, and stock context.
Key Metrics
- TickerOPHC
- ExchangeNYSE MKT
- CountryUnited States
- SectorFinancial Services
- IndustryBanks-Regional
- CurrencyUSD
- Valuation signal19.2% overvalued
- Market capUSD 205.39M
- P/E9.9
- Financial periodQ2 2026
- RevenueUSD 17.18M
- Net incomeUSD 6.66M
- Free cash flowUSD 9.81M
Valuation Snapshot
Bullrun's latest valuation model marks Optimumbank Holdings Inc as 19.2% overvalued; latest market cap is USD 205.39M; P/E is 9.9.
Peer valuation comparison
Latest P/E is 9.88x versus a Financial Services sector median of 13.41x (26.3% below).
Latest P/E is 9.88x versus a United States median of 23.75x (58.4% below).
Five-year financial history
| Year | Revenue | Net income | Free cash flow | Gross margin | Diluted EPS | Cash | Total debt | Equity |
|---|---|---|---|---|---|---|---|---|
| FY2025 | USD 49.36M | USD 16.65M | USD 16.95M | n/a | 0.71 | USD 114.56M | USD 52.75M | USD 121.90M |
| FY2024 | USD 39.31M | USD 13.12M | USD 14.62M | n/a | 0.63 | USD 93.63M | USD 52.77M | USD 103.18M |
| FY2023 | USD 27.17M | USD 6.28M | USD 6.21M | n/a | 0.87 | USD 76.66M | USD 64.25M | USD 70.01M |
| FY2022 | USD 18.80M | USD 4.02M | USD 10.04M | n/a | 0.68 | USD 71.84M | USD 12.17M | USD 62.58M |
Valuation history
| Year | Snapshot date | Market cap | P/E | Dividend yield | Annual dividend/share |
|---|---|---|---|---|---|
| 2026 | 2026-10-12 | USD 205.39M | 9.9 | n/a | n/a |
| 2025 | 2025-12-31 | USD 49.02M | 4.3 | n/a | n/a |
| 2024 | 2024-12-31 | USD 55.39M | 3.6 | n/a | n/a |
| 2023 | 2023-12-29 | USD 30.31M | 5.6 | n/a | n/a |
| 2022 | 2022-12-30 | USD 27.68M | 2.9 | n/a | n/a |
| 2021 | 2021-12-31 | USD 18.77M | 2.8 | n/a | n/a |
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;
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Frequently asked questions
Is Optimumbank Holdings Inc overvalued or undervalued?
Bullrun's valuation model currently marks Optimumbank Holdings Inc as 19.2% overvalued.
What is Optimumbank Holdings Inc's market cap?
Optimumbank Holdings Inc's market capitalization is USD 205.39M.
What is Optimumbank Holdings Inc's P/E ratio?
Optimumbank Holdings Inc's price-to-earnings (P/E) ratio is 9.9.
What does Optimumbank Holdings Inc do?
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.