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OPTIMUMBANK HOLDINGS INC (OPHC) Stock Fundamental Analysis

NYSEARCA:OPHC - NYSE Arca - US68401P4037 - Common Stock - Currency: USD

4.49  -0.01 (-0.22%)

Fundamental Rating

4

OPHC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 405 industry peers in the Banks industry. OPHC scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. OPHC has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year OPHC was profitable.
OPHC had a positive operating cash flow in the past year.
In multiple years OPHC reported negative net income over the last 5 years.
The reported operating cash flow has been mixed in the past 5 years: OPHC reported negative operating cash flow in multiple years.
OPHC Yearly Net Income VS EBIT VS OCF VS FCFOPHC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 2M 4M 6M 8M 10M

1.2 Ratios

OPHC has a Return On Assets of 1.24%. This is amongst the best in the industry. OPHC outperforms 81.70% of its industry peers.
Looking at the Return On Equity, with a value of 12.65%, OPHC belongs to the top of the industry, outperforming 86.72% of the companies in the same industry.
Industry RankSector Rank
ROA 1.24%
ROE 12.65%
ROIC N/A
ROA(3y)1.09%
ROA(5y)0.41%
ROE(3y)10.59%
ROE(5y)2.42%
ROIC(3y)N/A
ROIC(5y)N/A
OPHC Yearly ROA, ROE, ROICOPHC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 10 -10 -20

1.3 Margins

The Profit Margin of OPHC (31.52%) is better than 85.96% of its industry peers.
OPHC's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for OPHC so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 31.52%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5Y-1.98%
GM growth 3YN/A
GM growth 5YN/A
OPHC Yearly Profit, Operating, Gross MarginsOPHC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 20 -20 40

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4

2. Health

2.1 Basic Checks

OPHC does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for OPHC has been increased compared to 1 year ago.
Compared to 5 years ago, OPHC has more shares outstanding
OPHC has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
OPHC Yearly Shares OutstandingOPHC Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2M 4M 6M
OPHC Yearly Total Debt VS Total AssetsOPHC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 200M 400M 600M

2.2 Solvency

OPHC has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC14.41%
OPHC Yearly LT Debt VS Equity VS FCFOPHC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 20M 40M 60M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
OPHC Yearly Current Assets VS Current LiabilitesOPHC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2018 2019 2020 2021 2022 2023 500K 1M 1.5M 2M

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5

3. Growth

3.1 Past

OPHC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 77.04%, which is quite impressive.
OPHC shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 10.37% yearly.
Looking at the last year, OPHC shows a very strong growth in Revenue. The Revenue has grown by 52.64%.
The Revenue has been growing by 54.06% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)77.04%
EPS 3YN/A
EPS 5Y10.37%
EPS Q2Q%78.29%
Revenue 1Y (TTM)52.64%
Revenue growth 3Y72.63%
Revenue growth 5Y54.06%
Sales Q2Q%37.51%

3.2 Future

Based on estimates for the next years, OPHC will show a decrease in Earnings Per Share. The EPS will decrease by -4.88% on average per year.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y-29.49%
EPS Next 2Y-4.88%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year114.32%
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
OPHC Yearly Revenue VS EstimatesOPHC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M 50M
OPHC Yearly EPS VS EstimatesOPHC Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6

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6

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 3.38, the valuation of OPHC can be described as very cheap.
OPHC's Price/Earnings ratio is rather cheap when compared to the industry. OPHC is cheaper than 98.50% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 29.63. OPHC is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 5.72 indicates a rather cheap valuation of OPHC.
Based on the Price/Forward Earnings ratio, OPHC is valued cheaper than 95.99% of the companies in the same industry.
OPHC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.68.
Industry RankSector Rank
PE 3.38
Fwd PE 5.72
OPHC Price Earnings VS Forward Price EarningsOPHC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

OPHC's Price/Free Cash Flow ratio is rather cheap when compared to the industry. OPHC is cheaper than 91.48% of the companies in the same industry.
Industry RankSector Rank
P/FCF 5.78
EV/EBITDA N/A
OPHC Per share dataOPHC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6

4.3 Compensation for Growth

A cheap valuation may be justified as OPHC's earnings are expected to decrease with -4.88% in the coming years.
PEG (NY)N/A
PEG (5Y)0.33
EPS Next 2Y-4.88%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

No dividends for OPHC!.
Industry RankSector Rank
Dividend Yield N/A

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OPTIMUMBANK HOLDINGS INC

NYSEARCA:OPHC (2/21/2025, 8:04:03 PM)

4.49

-0.01 (-0.22%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-03 2025-02-03
Earnings (Next)05-12 2025-05-12
Inst Owners10.45%
Inst Owner Change-59.3%
Ins Owners11.2%
Ins Owner Change0%
Market Cap52.26M
Analysts43.33
Price Target6.63 (47.66%)
Short Float %0.42%
Short Ratio1.07
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)109.15%
Min EPS beat(2)96.08%
Max EPS beat(2)122.22%
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-68.31%
Min Revenue beat(2)-99.93%
Max Revenue beat(2)-36.69%
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 3.38
Fwd PE 5.72
P/S 1.41
P/FCF 5.78
P/OCF 5.23
P/B 0.56
P/tB 0.56
EV/EBITDA N/A
EPS(TTM)1.33
EY29.62%
EPS(NY)0.79
Fwd EY17.49%
FCF(TTM)0.78
FCFY17.3%
OCF(TTM)0.86
OCFY19.11%
SpS3.2
BVpS7.96
TBVpS7.96
PEG (NY)N/A
PEG (5Y)0.33
Profitability
Industry RankSector Rank
ROA 1.24%
ROE 12.65%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 31.52%
GM N/A
FCFM 24.31%
ROA(3y)1.09%
ROA(5y)0.41%
ROE(3y)10.59%
ROE(5y)2.42%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5Y-1.98%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 359.09%
Cap/Sales 2.55%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 77.12%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC14.41%
ROIC/WACCN/A
Cap/Depr(3y)204.79%
Cap/Depr(5y)205.09%
Cap/Sales(3y)2.52%
Cap/Sales(5y)5.35%
Profit Quality(3y)134.1%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)77.04%
EPS 3YN/A
EPS 5Y10.37%
EPS Q2Q%78.29%
EPS Next Y-29.49%
EPS Next 2Y-4.88%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)52.64%
Revenue growth 3Y72.63%
Revenue growth 5Y54.06%
Sales Q2Q%37.51%
Revenue Next Year114.32%
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-11.96%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-5.22%
OCF growth 3YN/A
OCF growth 5Y221.62%