OPHC · OptimumBank Holdings, Inc.
What's happening
- OPHC is up 1.21% today, trading at $8.79. — Live quote
- Volume today (1,002) is well below its 3-month average of 102,300. (Finnhub fundamentals)
- Reports earnings on 2026-11-06, 15 days away. (Finnhub earnings calendar)
- Last quarter's EPS beat estimates: $0.28 actual vs. $0.23 estimated (+21.1%). (Finnhub earnings history)
Deterministic template sentences filled in from the same sourced figures shown elsewhere on this page -- not an AI-written summary, no live model call.
Key Statistics
Analyst Recommendations
Aggregate ratings for 2026-10-01 (9 analysts polled by Finnhub) — consensus count.
Performance Overview (Trailing returns vs S&P 500 benchmark)
Earnings Trends (Quarterly EPS Actual vs Estimate)
Valuation Measures & Ratios
Quarterly history (5 periods)
| Measure | Jun '26 | Mar '26 | Sep '25 | Jun '25 | Mar '25 |
|---|---|---|---|---|---|
| Market cap | $138.6M | $119.1M | $100.3M | $107.3M | $93.6M |
| P/E | 7.20 | 7.24 | 6.64 | 7.52 | 7.17 |
| Price/Book | 1.03 | 0.94 | 0.86 | 0.96 | 0.87 |
| ROE | 14.32% | 12.97% | 12.92% | 12.82% | 12.08% |
| ROA | 1.37% | 1.30% | 1.39% | 1.43% | 1.33% |
Trailing-twelve-month ratios computed from SEC EDGAR quarterly figures and historical daily close prices (Alpaca). Diluted shares are derived from Net income ÷ EPS (diluted) for each quarter, not separately reported. Forward P/E/PEG unavailable (no free data source).
Glossary — what these abbreviations mean
- 1. TTM
- Trailing twelve months — the sum of the last four reported quarters, not a calendar year or the single latest quarter.
- 2. EPS
- Earnings per share — net income divided by diluted shares outstanding.
- 3. Beta
- A stock's historical volatility relative to the overall market. Above 1 means it has moved more than the market; below 1, less.
- 4. EV (Enterprise Value)
- Market cap plus total debt minus cash — roughly what it would cost to buy the whole company, debt included.
- 5. Forward P/E
- Price divided by analysts' estimated earnings for the next 12 months, instead of trailing actual earnings.
- 6. PEG Ratio
- P/E divided by expected earnings growth rate. A lower number can indicate a stock is cheap relative to how fast it's expected to grow.
- 7. Price / Book
- Share price divided by book value (assets minus liabilities) per share.
- 8. ROE
- Return on equity — net income divided by shareholders' equity, a measure of how efficiently a company turns equity into profit.
- 9. ROA
- Return on assets — net income divided by total assets, a measure of how efficiently a company turns assets into profit.
- 10. MRQ
- Most recent quarter — the single latest reported period, as opposed to TTM. The Financials section's "Quarterly" view below shows MRQ-style figures.
- 11. YoY
- Year over year — percent change versus the same period one year earlier, used for growth figures like those on Compare cards and the Screener.
Short Interest
Source: FINRA Rule 4560 consolidated short interest, settlement date 2026-09-30. Reported bi-monthly with a reporting lag — not real-time.
Quotes and the 1-day extended-hours chart: Yahoo Finance. Longer historical charts: Alpaca (IEX feed) — real-time but IEX-only volume (~2.5% of consolidated market volume). Fundamentals + earnings: Finnhub.
Price history
Drag horizontally to zoom into a section; use Reset view to restore all observations.
Technical signal summary
Calculating from the latest year of daily price history…
Show Technical Analysis Breakdown ▾ 10 Indicators
Not investment advice — read several signals together.
Indicators None active
History limited by data provider; markers are heuristics, not signals.
Peer and sector context
Balanced evidence
A deterministic summary of sourced facts—not an AI verdict.
Potential strengths
- Revenue growth is 62.0% on the provider's reported measure. Finnhub fundamentals ↗
- Net profit margin is 21.7%. Finnhub fundamentals ↗
- Trailing 52-week price return is +124.3%. Finnhub market metrics ↗
Potential concerns
- Latest SEC filing is Form 8-K, filed 2026-08-19; review it for current changes and risks. SEC EDGAR ↗
Rule-based facts only; absence from either side is not evidence, and this is not a recommendation.
More on OPHC
No accessible free API for these — links go to the source directly.
Financials
Fundamental trends
Visualized from the same SEC figures in the tables below.
Income statement
| Line item | Jun '26 | Mar '26 | Sep '25 | Jun '25 | Mar '25 | Sep '24 | Jun '24 | Mar '24 |
|---|---|---|---|---|---|---|---|---|
| Net income | $6.7M | $4.7M | $4.3M | $3.6M | $3.9M | $3.3M | $3.5M | $2.4M |
| EPS (diluted) | $0.28 | $0.20 | $0.18 | $0.15 | $0.17 | $0.15 | $0.34 | $0.31 |
| EPS (basic) | $0.40 | $0.39 | $0.37 | $0.31 | $0.33 | $0.34 | $0.36 | $0.31 |
Balance sheet
| Line item | Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $1.40B | $1.27B | $1.11B | $1.08B | $999.1M | $977.5M | $932.9M | $945.2M |
| Total liabilities | $1.27B | $1.14B | $989.8M | $966.2M | $887.8M | $869.5M | $829.7M | $852.5M |
| Stockholders' equity | $134.4M | $126.8M | $121.9M | $116.9M | $111.3M | $108.0M | $103.2M | $92.7M |
| Cash & equivalents | — | — | — | — | — | — | — | — |
| Property, plant & equipment | $3.1M | $2.8M | $2.5M | $2.3M | $2.4M | $2.2M | $2.1M | $1.9M |
| Common stock & paid-in capital | $124.0K | $122.0K | $115.0K | $119.0K | $118.0K | $118.0K | $116.0K | $99.0K |
| Retained earnings | $25.1M | $18.5M | $13.8M | $8.9M | $4.6M | $1.0M | -$2.8M | -$6.8M |
| Accumulated other comprehensive income (loss) | -$4.8M | -$4.7M | -$4.6M | -$4.8M | -$5.4M | -$5.2M | -$5.6M | -$4.5M |
Cash flow
| Line item | Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 |
|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $10.3M | $7.9M | $6.6M | $1.9M | $6.2M | $3.1M | $6.0M | $4.0M |
| Investing cash flow | -$125.2M | -$133.5M | -$149.4M | -$29.2M | $16.2M | $5.7M | -$27.2M | -$16.8M |
| Financing cash flow | $121.1M | $151.1M | $22.3M | $80.6M | $15.9M | $41.0M | -$16.7M | $40.3M |
| Free cash flow | $9.8M | $7.4M | $6.3M | $1.9M | $5.9M | $2.9M | $5.7M | $3.9M |
| Capital expenditures | $476.0K | $439.0K | $309.0K | $6.0K | $298.0K | $283.0K | $218.0K | $152.0K |
| Depreciation & amortization | $141.0K | $132.0K | $127.0K | $124.0K | $121.0K | $96.0K | $94.0K | $91.0K |
| Share-based compensation | -$1.0K | $431.0K | $0 | $579.0K | $0 | $296.0K | -$2.0K | $0 |
| Deferred income taxes | -$2.0K | $39.0K | $77.0K | -$348.0K | -$272.0K | $81.0K | $161.0K | -$94.0K |
| Purchases of investments | $0 | $2.3M | $2.4M | — | — | — | — | — |
| Sales/maturities of investments | $0 | $0 | — | $0 | $0 | $0 | — | $0 |
Income statement
| Line item | Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 |
|---|---|---|---|---|---|
| Net income | $16.6M | $13.1M | $6.3M | $4.0M | $6.3M |
| EPS (diluted) | $0.71 | $0.63 | $0.87 | $0.68 | — |
| EPS (basic) | $1.42 | $1.39 | $0.87 | $0.68 | $1.61 |
Balance sheet
| Line item | Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 |
|---|---|---|---|---|---|
| Total assets | $1.11B | $932.9M | $791.3M | $585.2M | $351.9M |
| Total liabilities | $989.8M | $829.7M | $721.2M | $522.6M | $313.4M |
| Stockholders' equity | $121.9M | $103.2M | $70.0M | $62.6M | $38.5M |
| Cash & equivalents | — | — | — | — | — |
| Property, plant & equipment | $2.5M | $2.1M | $1.4M | $934.0K | $843.0K |
| Common stock & paid-in capital | $115.0K | $116.0K | $72.0K | $71.0K | $48.0K |
| Retained earnings | $13.8M | -$2.8M | -$16.0M | -$22.1M | -$26.1M |
| Accumulated other comprehensive income (loss) | -$4.6M | -$5.6M | -$5.3M | -$5.8M | -$635.0K |
Cash flow
| Line item | Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 |
|---|---|---|---|---|---|
| Operating cash flow | $17.8M | $15.6M | $6.9M | $10.4M | $3.8M |
| Investing cash flow | -$156.7M | -$125.5M | -$199.7M | -$229.8M | -$108.8M |
| Financing cash flow | $159.8M | $126.8M | $197.6M | $232.3M | $109.3M |
| Free cash flow | $16.9M | $14.6M | $6.2M | $10.0M | $3.4M |
| Capital expenditures | $896.0K | $988.0K | $668.0K | $322.0K | $381.0K |
| Depreciation & amortization | $468.0K | $301.0K | $227.0K | $231.0K | $210.0K |
| Share-based compensation | $875.0K | $490.0K | $490.0K | $372.0K | $199.0K |
| Deferred income taxes | -$462.0K | $10.0K | $821.0K | $1.4M | -$3.2M |
| Purchases of investments | $2.4M | — | — | — | $19.5M |
| Sales/maturities of investments | — | — | — | $2.1M | $2.9M |
Source: SEC EDGAR XBRL filings (10-Q/10-K), as originally tagged by the company. Quarterly cash flow is reconstructed by de-cumulating fiscal-year-to-date figures (how cash flow is tagged in 10-Qs); other quarterly lines are reported directly.
Institutional holders
SEC Form 13F filers holding OPHC as of the latest reported quarter. 13F only covers investment managers with $100M+ in assets — this is not a complete ownership picture, and does not include insiders (see Recent SEC filings below) or non-13F-eligible holders.
Insider activity
Directors, officers, and 10%+ owners' reported transactions from SEC Form 4. A filing reports a transaction; it does not by itself explain why it happened.
Source: SEC EDGAR Form 4 filings · checked 25 most recent filings · covers 2011-10-27 to 2026-02-02
Recent transactions
- Most recent: Terry Timothy (PEO) — Open market sale of 39,304 shares on 2026-02-02.
Deterministic template sentences filled in from the SEC Form 4 figures in the tables below -- not an AI-written summary, no live model call.
Insider purchases & sales, last 6 months
Counts only open-market purchases (code P) and sales (code S) — grants, option exercises, tax withholding, and gifts are excluded since they aren't a market buy/sell decision.
Insider roster
| Name | Title | Most Recent Transaction | Date | Shares |
|---|---|---|---|---|
| Terry Timothy | PEO | Open market sale | 2026-02-02 | 39,304 |
| Blisko Michael | Director | Other acquisition/disposition | 2026-01-27 | 531,178 |
| Gubin Moishe | Director | Open market purchase | 2025-06-11 | 264 |
| Chan Heng Fai Ambrose | Reporting person | Open market purchase | 2021-03-31 | 282,377 |
| Borek Sam | Director | Other acquisition/disposition | 2014-05-01 | 50 |
| Klein Joel J. | Director | Grant / award | 2014-02-01 | 7,237 |
| Gillman Seth | Director | Open market sale | 2013-10-04 | 108,000 |
Recent transactions
| Date | Insider | Title | Transaction | Shares | Price |
|---|---|---|---|---|---|
| 2026-02-02 | Terry Timothy | PEO | Open market sale | 39,304 | $4.73 |
| 2026-01-27 | Blisko Michael | Director | Other acquisition/disposition | 531,178 | $0.00 |
| 2025-12-04 | Blisko Michael | Director | Open market sale | 7,600 | $4.09 |
| 2025-06-11 | Gubin Moishe | Director | Open market purchase | 264 | $4.53 |
| 2025-06-10 | Gubin Moishe | Director | Open market purchase | 300 | $4.55 |
| 2025-06-09 | Gubin Moishe | Director | Open market purchase | 700 | $4.53 |
Recent SEC filings
Official company reports and insider transaction filings. Form 4 reports a transaction; it does not by itself explain why it happened.
Source: SEC EDGAR submissions · updated 2026-10-22 08:18 UTC
| Filed | Form | Report period | Official filing |
|---|---|---|---|
| 2026-08-19 | 8-K | 2026-08-19 | View on SEC.gov → |
| 2026-08-13 | 8-K | 2026-08-13 | View on SEC.gov → |
| 2026-08-10 | 10-Q | 2026-06-30 | View on SEC.gov → |
| 2026-07-24 | 8-K | 2026-07-24 | View on SEC.gov → |
| 2026-05-12 | 10-Q | 2026-03-31 | View on SEC.gov → |
| 2026-05-05 | 8-K | 2026-05-01 | View on SEC.gov → |
| 2026-05-04 | 8-K | 2026-04-28 | View on SEC.gov → |
| 2026-04-24 | 8-K | 2026-04-24 | View on SEC.gov → |
| 2026-02-26 | 10-K | 2025-12-31 | View on SEC.gov → |
| 2026-02-23 | 8-K | 2026-02-23 | View on SEC.gov → |
| 2026-02-04 | 4 | 2026-02-02 | View on SEC.gov → |
| 2026-02-02 | 8-K | 2026-02-02 | View on SEC.gov → |
Recent news
Headlines about OPHC (OptimumBank Holdings, Inc.). Links open the publisher — we don’t host full articles.
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OptimumBank Holdings: Very Strong Growth, But Limited Margin Of Safety (NYSE:OPHC)
Seeking Alpha · 2026-10-21 -
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No headlines in this category right now — try “All”.