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XASE
OPHC
Market cap46mUSD
Jun 10, Last price  
4.55
Name

OptimumBank Holdings Inc

Chart & Performance

D1W1MN
No data to show
P/E
—
P/S
—
EPS
1.12
Div Yield, %
—
Shrs. gr., 5y
39.82%
Rev. gr., 5y
78.29%
Revenues
60m
+66.65%
6,128,0006,756,0006,815,0006,752,0005,689,0005,314,0003,374,0002,430,0003,143,0005,029,0004,062,0003,541,0003,572,0003,130,0003,310,0005,284,00011,178,00018,796,00035,780,00059,629,000
Net income
13m
+108.88%
1,601,0001,834,0001,742,000520,000-11,481,000-8,453,000-3,747,000-4,697,000-7,075,0001,605,000-163,000-396,000-589,000796,000-1,100,000-782,0006,296,0004,023,0006,283,00013,124,000
CFO
16m
+126.75%
2,951,0003,759,0002,175,0003,130,0001,201,0001,679,000-885,000-2,663,000-2,966,0001,303,000627,000551,000570,00024,000-558,000-1,458,0003,763,00010,360,0006,882,00015,605,000
Earnings
Aug 04, 2025

Profile

OptimumBank Holdings, Inc. operates as the bank holding company for OptimumBank that provides various consumer and commercial banking services to individuals and businesses. It accepts demand interest-bearing and noninterest-bearing, savings, money market, NOW, and time deposit accounts, as well as certificates of deposit; and offers residential and commercial real estate, multi-family real estate, commercial, land and construction, and consumer loans, as well as lending lines for working capital needs. The company also provides debit and ATM cards; investment, cash management, notary, and night depository services; and direct deposits, money orders, cashier's checks, domestic collections, and banking by mail, as well as internet banking services. It operates through two banking offices located in Broward County, Florida. The company was founded in 2000 and is based in Fort Lauderdale, Florida.
URL
https://www.optimumbank.com/
IPO date
May 08, 2003
Employees
48
Domiciled in
US
Incorporated in
US

Valuation

Title
USD in thousands, except ratios and share amounts
FYFYFYFYFYFYFYFYFYFY
2024‑122023‑122022‑122021‑122020‑122019‑122018‑122017‑122016‑122015‑12
Income
Revenues
59,629
66.65%
35,780
90.36%
18,796
68.15%
Cost of revenue
1,073
8,261
5,604
Unusual Expense (Income)
NOPBT
58,556
27,519
13,192
NOPBT Margin
98.20%
76.91%
70.19%
Operating Taxes
4,507
2,174
1,369
Tax Rate
7.70%
7.90%
10.38%
NOPAT
54,049
25,345
11,823
Net income
13,124
108.88%
6,283
56.18%
4,023
-36.10%
Dividends
Dividend yield
Proceeds from repurchase of equity
17,886
324
9,866
BB yield
-36.97%
-1.07%
-40.51%
Debt
Debt current
374
Long-term debt
5,548
14,496
14,344
Deferred revenue
(1,060)
Other long-term liabilities
126,891
510,467
Net debt
(31,207)
(86,882)
(107,862)
Cash flow
Cash from operating activities
15,605
6,882
10,360
CAPEX
(668)
(322)
Cash from investing activities
(125,470)
(199,661)
(229,802)
Cash from financing activities
126,832
197,606
232,308
FCF
51,970
(262,263)
266,217
Balance
Cash
36,755
76,663
96,938
Long term investments
24,715
25,642
Excess cash
33,774
99,589
121,640
Stockholders' equity
(8,301)
(21,214)
(27,828)
Invested Capital
941,234
812,468
228,954
ROIC
6.16%
4.87%
4.90%
ROCE
6.28%
3.48%
6.52%
EV
Common stock shares outstanding
10,165
7,239
5,955
Price
4.76
13.83%
4.18
2.24%
4.09
4.07%
Market cap
48,386
59.84%
30,271
24.29%
24,355
58.94%
EV
17,179
(56,611)
(83,507)
EBITDA
59,155
28,079
13,761
EV/EBITDA
0.29
Interest
24,939
12,067
4,046
Interest/NOPBT
42.59%
43.85%
30.67%