OPHC
OptimumBank Holdings, Inc.
There isn't enough reported data to score OPHC yet.
OPHC Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Healthy | |
| N/A | |
| N/A |
OPHC's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like OPHC.
OPHC PE Valuation
OPHC has no meaningful PE right now: it lost money over the past year.
OPHC Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Strong growth | |
| Strong growth | |
| Improving | |
| Limited | |
| Moderate |
Analysts expect strong earnings and revenue growth for OPHC, with profitability improving.
OPHC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $1.28 | +11% |
| Q3 2025 | $1.15 | -13% |
| Q2 2025 | $1.29 | +9.3% |
| Q1 2025 | $1.34 | +31% |
| Q4 2024 | $1.33 | +53% |
| Q3 2024 | $1.32 | +69% |
| Q2 2024 | $1.18 | +66% |
| Q1 2024 | $1.02 | +48% |
| Q4 2023 | $0.87 | +24% |
OPHC's earnings per share have fallen from their peak: $1.15 over the past year, against $1.69 in mid-2022.
OPHC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $17.2M | +42% |
| Q1 2026 | $15M | +41% |
| Q4 2025 | $13.6M | +32% |
| Q3 2025 | $13M | +29% |
| Q2 2025 | $12.1M | +21% |
| Q1 2025 | $10.7M | +19% |
| Q4 2024 | $10.3M | +26% |
| Q3 2024 | $10.1M | +48% |
OPHC's revenue has grown year over year every quarter since late 2020: $17M last quarter, up 42% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | 51% | +11 points |
| Q1 2026 | 41% | -7.4 points |
| Q4 2025 | 47% | -4.1 points |
| Q3 2025 | 43% | -0.5 points |
| Q2 2025 | 40% | -6.7 points |
| Q1 2025 | 49% | +13 points |
| Q4 2024 | 52% | +9.7 points |
| Q3 2024 | 44% | +19 points |
OPHC's operating margin was 51% last quarter, up 11 points from the same quarter a year ago, near the top of its range since 2019.
OPHC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | $9.8M | +67% |
| Q1 2026 | $7.4M | +161% |
| Q4 2025 | $6.3M | +10% |
| Q3 2025 | $1.9M | -50% |
| Q2 2025 | $5.9M | +114% |
| Q1 2025 | $2.9M | +25% |
| Q4 2024 | $5.7M | +3487% |
| Q3 2024 | $3.9M | +263% |
OPHC's free cash flow was $25M over the past year, up 39% from the year before. Free cash flow isn't a meaningful measure for financial services companies like OPHC.
OPHC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.4% | +102K shares |
| 1 year | +94% | +11.5M shares |
| 3 years | +298% | +17.7M shares |
| 5 years | +703% | +20.7M shares |
| Available history | +1129% | +21.8M shares |
OPHC has 24M diluted shares, up 94% from a year ago.
OPHC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2026 | 3.6x | Elevated |
| Q1 2026 | 4.3x | High |
| Q4 2025 | 5.0x | High |
| Q3 2025 | 3.0x | Moderate |
| Q2 2025 | 2.0x | Moderate |
| Q1 2025 | 1.4x | Healthy |
| Q4 2024 | 3.7x | Elevated |
| Q3 2024 | -1.0x | Net Cash |
OPHC's net debt is about 3.6 years of its operating earnings (EBITDA), up from 2.0 years a year ago. Net leverage isn't a meaningful measure for financial services companies like OPHC.
OPHC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 64.0 | Neutral |
| Stochastic | 43.0 | Neutral |
OPHC's weekly RSI is 64 (neutral) and its Stochastic is 43 (neutral).
OPHC PE vs Financial Services Sector
| Metric | OPHC | Sector median | Relative |
|---|---|---|---|
| PE | N/A | 13x | — |
OPHC has no meaningful PE right now: it lost money over the past year.
OPHC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $8.86 | 1.1% above |
| 20 week MA | $8.35 | 7.3% above |
| 50 week MA | $6.40 | 40% above |
| 100 week MA | $5.38 | 67% above |
| 200 week MA | $4.65 | 93% above |
OPHC is in an uptrend: it's above all five of its weekly moving averages, and 93% above its 200-week average.
OPHC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $2.86 | $3.28 | +15% |
| 2021 | $3.28 | $4.42 | +35% |
| 2022 | $4.42 | $4.22 | -4.5% |
| 2023 | $4.22 | $4.18 | -0.9% |
| 2024 | $4.18 | $4.74 | +13% |
| 2025 | $4.74 | $4.24 | -11% |
| 2026 YTD | $4.24 | $8.96 | +111% |
OPHC is up 111% so far in 2026, after finishing lower in three of the previous six years.