OPHC
OptimumBank Holdings, Inc. [OPHC] Stock Forecast
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In the News
OptimumBank Holdings, Inc. (OPHC-NASDAQ) Announces Second Quarter Results for OptimumBank (the “Bank”)
Summary of Results:
OptimumBank Holdings, Inc. (OPHC-NASDAQ) Announces Successful Acquisition of Remaining TruPS
Fort Lauderdale, FL, July 30, 2021 (GLOBE NEWSWIRE) -- OptimumBank Holdings, Inc. (the “Company”), the parent company of OptimumBank, announced that it has successfully completed the acquisition of all of its remaining trust preferred securities (TruPS) pursuant to its previously announced exchange offer for the TruPS.
OptimumBank Holdings, Inc. Announces Commencement of Exchange Offer for Trust Preferred Securities
Fort Lauderdale, FL, June 07, 2021 (GLOBE NEWSWIRE) -- OptimumBank Holdings, Inc. (OPHC-NASDAQ) (www.OptimumBank.com) (the “Company”), the parent company of OptimumBank, today announced that it has commenced a private offer to exchange (the “Exchange Offer”) its outstanding Trust Preferred Securities, upon the terms and subject to the conditions set forth in the confidential offering memorandum dated June 7, 2021 and related letter of transmittal (together, the “Offering Documents”).
OptimumBank Holdings, Inc. (OPHC-NASDAQ) Chairman Comments from the Annual Shareholder Meeting held on May 25, 2021
Fort Lauderdale, FL., May 26, 2021 (GLOBE NEWSWIRE) -- OptimumBank Holdings, Inc. (OPHC-NASDAQ) I will begin my comments this year similar to last year's comments. I am grateful that we are all healthy and able to be here today. Most of us have seen major changes in our everyday lives. Most of us have lost friends and family members to the Corona Virus. We have seen the way business gets done in many industries change as well. We have also seen how the real estate market has been affected. At the Bank however, we have experienced little change in our operation. What has changed is the acceleration to meet our objectives. Last year, I said that I appreciated the confidence you have in me to lead our Board and help OptimumBank Holdings, Inc. (the “Company”) reach profitability and work towards reaching our singular goal of bringing shareholder returns, while safeguarding the Company's equity. Well, 2020 was the year that we finally reached a core profitability that we are so far past as of the end of the first quarter. Being that we are currently five (5) months into 2021, I wanted to discuss our first quarter numbers and compare some of the numbers to last year's end and last year's first quarter results.
OptimumBank Holdings, Inc. (OPHC-NASDAQ) Announces First Quarter Results for OptimumBank (the “Bank”)
Fort Lauderdale, FL., May 11, 2021 (GLOBE NEWSWIRE) -- OptimumBank Holdings, Inc. (OPHC-NASDAQ)
OptimumBank Holdings, Inc. (OPHC-NASDAQ) Announces
Third Quarter Results for OptimumBank (the “Bank”) continued
OptimumBank Holdings, Inc. (OPHC-NASDAQ) Announces Third Quarter Results for OptimumBank (the “Bank”)
Fort Lauderdale, FL., Dec. 07, 2020 (GLOBE NEWSWIRE) -- OptimumBank Holdings, Inc. (OPHC-NASDAQ)
OptimumBank Holdings, Inc. Announces First Quarter Results for OptimumBank
Last year OptimumBank (the “Bank”) implemented various strategies to improve its earnings. This is on top of substantial growth in the 4th quarter of 2019 and despite the emerging COVID 19 crisis (more on this later). It also allows the bank to adjust prices to the current market which have recently fallen to near zero percent.
OptimumBank Holdings, Inc. Announces First Quarter Results for OptimumBank
10-Q: OPTIMUMBANK HOLDINGS, INC.
(EDGAR Online via COMTEX) -- Item 2. Management's Discussion and Analysis of Financial Condition and Results of Operations The following discussion should be...
OPHC Financial details
OPHC Financial Performance
Yearly Fundamentals Overview
Last date of statement is 2022-12-31
| Metric | History | 2018-12-31 | 2019-12-31 | 2020-12-31 | 2021-12-31 | 2022-12-31 |
|---|---|---|---|---|---|---|
| 2.02K | 2.02K | 2.02K | 2.02K | 2.02K | ||
| Revenue per share | 2.1 | 1.74 | 1.8 | 2.87 | 4.32 | |
| Net income per share | 0.53 | -0.58 | -0.27 | 1.61 | 0.93 | |
| Operating cash flow per share | 0.02 | -0.29 | -0.5 | 0.97 | 2.38 | |
| Free cash flow per share | -0.14 | -0.56 | -0.57 | 0.87 | 2.31 | |
| Cash per share | 6.93 | 7.54 | 25.06 | 23.94 | 22.3 | |
| Book value per share | 3.55 | 3.79 | 6.08 | 9.88 | 14.4 | |
| Tangible book value per share | 3.55 | 57.89 | 71.27 | 85.17 | 14.4 | |
| Share holders equity per share | 3.55 | 3.79 | 6.08 | 9.88 | 14.4 | |
| Interest debt per share | 20.76 | 9.83 | 9.44 | 5.32 | 3.73 | |
| Market cap | 4.48M | 5.27M | 9.89M | 15.32M | 17.78M | |
| Enterprise value | 26.25M | 12.98M | -18.75M | -23.87M | -41.89M | |
| P/E ratio | 5.63 | -4.79 | -12.65 | 2.43 | 4.42 | |
| Price to sales ratio | 1.43 | 1.59 | 1.87 | 1.37 | 0.95 | |
| POCF ratio | 186.66 | -9.44 | -6.78 | 4.07 | 1.72 | |
| PFCF ratio | -21.33 | -4.94 | -5.96 | 4.53 | 1.77 | |
| P/B Ratio | 0.84 | 0.73 | 0.55 | 0.4 | 0.28 | |
| PTB ratio | 0.84 | 0.73 | 0.55 | 0.4 | 0.28 | |
| EV to sales | 8.39 | 3.92 | -3.55 | -2.14 | -2.23 | |
| Enterprise value over EBITDA | 11.93 | -14.58 | 41.21 | -7.08 | -4.19 | |
| EV to operating cash flow | 1.09K | -23.25 | 12.86 | -6.34 | -4.04 | |
| EV to free cash flow | -125.01 | -12.16 | 11.31 | -7.06 | -4.17 | |
| Earnings yield | 0.18 | -0.21 | -0.08 | 0.41 | 0.23 | |
| Free cash flow yield | -0.05 | -0.2 | -0.17 | 0.22 | 0.56 | |
| Debt to equity | 5.61 | 2.31 | 1.46 | 0.51 | 0.19 | |
| Debt to assets | 0.3 | 0.13 | 0.11 | 0.06 | 0.02 | |
| Net debt to EBITDA | 9.89 | -8.66 | 62.94 | -11.63 | -5.96 | |
| Current ratio | 0 | 0 | 0 | 0 | 0 | |
| Interest coverage | 1.64 | -0.56 | -0.45 | 3.12 | 2.33 | |
| Income quality | 0.03 | 0.51 | 1.86 | 0.6 | 2.58 | |
| Dividend Yield | 0 | 0 | 0 | 0 | 0 | |
| Payout ratio | 0 | 0 | 0 | 0 | 0 | |
| Sales general and administrative to revenue | 0.63 | 0.61 | 0.46 | 0.34 | 0.3 | |
| Research and developement to revenue | 0 | 0 | 0 | 0 | 0 | |
| Intangibles to total assets | 0 | 0 | 0 | 0.1 | 0 | |
| Capex to operating cash flow | -9.75 | 0.91 | 0.14 | -0.1 | -0.03 | |
| Capex to revenue | -0.07 | -0.15 | -0.04 | -0.03 | -0.02 | |
| Capex to depreciation | -1.47 | -1.94 | -0.61 | -1.26 | -0.57 | |
| Stock based compensation to revenue | 0 | 0.06 | 0.04 | 0.02 | 0.02 | |
| Graham number | 6.53 | 7.02 | 6.04 | 18.94 | 17.32 | |
| ROIC | 0.06 | -0.04 | -0.02 | 0.1 | 0.09 | |
| Return on tangible assets | 0.01 | -0.01 | 0 | 0.02 | 0.01 | |
| Graham Net | -56.58 | -1.04 | 16.54 | 19.06 | -97.7 | |
| Working capital | 10.66M | 14.78M | 74.86M | 94.34M | 98.38M | |
| Tangible asset value | 5.31M | 110.11M | 209.12M | 297.53M | 62.58M | |
| Net current asset value | -84.41M | -1.87M | 48.87M | 74.56M | -424.26M | |
| Invested capital | 5.61 | 2.31 | 1.46 | 0.51 | 0.19 | |
| Average receivables | 315K | 373K | 884K | 1.15M | 1.21M | |
| Average payables | 0 | 0 | 0 | 0 | 0 | |
| Average inventory | 0 | 0 | 0 | 0 | 0 | |
| Days sales outstanding | 36.62 | 47.64 | 92.29 | 31.71 | 28.04 | |
| Days payables outstanding | 0 | 0 | 0 | 0 | 0 | |
| Days of inventory on hand | 0 | 0 | 0 | 0 | 0 | |
| Receivables turnover | 9.97 | 7.66 | 3.96 | 11.51 | 13.02 | |
| Payables turnover | 0 | 0 | 0 | 0 | 0 | |
| Inventory turnover | 0 | 0 | 0 | 0 | 0 | |
| ROE | 0.15 | -0.15 | -0.04 | 0.16 | 0.06 | |
| Capex per share | -0.16 | -0.27 | -0.07 | -0.1 | -0.07 |
Quarterly Fundamentals Overview
Last date of statement is 2023-09-30 for Q3
| Metric | History | 2022-09-30 | 2022-12-31 | 2023-03-31 | 2023-06-30 | 2023-09-30 |
|---|---|---|---|---|---|---|
| 2.02K | 2.02K | 2.02K | 2.02K | 2.02K | ||
| Revenue per share | 0.82 | 1.24 | 0.8 | 0.88 | 1.23 | |
| Net income per share | 0.11 | 0.36 | 0.16 | 0.18 | 0.18 | |
| Operating cash flow per share | 0.38 | 0.83 | 0 | 0.73 | 0.17 | |
| Free cash flow per share | 0.36 | 0.8 | -0.03 | 0.72 | 0.15 | |
| Cash per share | 16.36 | 22.3 | 15.58 | 14.23 | 17.53 | |
| Book value per share | 8.44 | 14.4 | 9.01 | 9.09 | 9.14 | |
| Tangible book value per share | 8.44 | 14.4 | 82.54 | 85.53 | 96.68 | |
| Share holders equity per share | 8.44 | 14.4 | 9.01 | 9.09 | 9.14 | |
| Interest debt per share | 11.66 | 3.34 | 4.15 | 2.06 | 2.11 | |
| Market cap | 24.69M | 17.78M | 23.85M | 20.88M | 23.06M | |
| Enterprise value | 20.4M | -41.89M | -35.38M | -45.12M | -68.63M | |
| P/E ratio | 9.17 | 2.87 | 5.17 | 3.98 | 4.54 | |
| Price to sales ratio | 4.94 | 3.29 | 4.12 | 3.28 | 2.59 | |
| POCF ratio | 10.74 | 4.93 | 822.27 | 3.94 | 19.09 | |
| PFCF ratio | 11.18 | 5.1 | -113.01 | 4.01 | 21.71 | |
| P/B Ratio | 0.48 | 0.28 | 0.37 | 0.32 | 0.35 | |
| PTB ratio | 0.48 | 0.28 | 0.37 | 0.32 | 0.35 | |
| EV to sales | 4.08 | -7.75 | -6.11 | -7.09 | -7.71 | |
| Enterprise value over EBITDA | 9.23 | -9.21 | -8.84 | -25.67 | -39.71 | |
| EV to operating cash flow | 8.88 | -11.61 | -1.22K | -8.5 | -56.81 | |
| EV to free cash flow | 9.24 | -12.01 | 167.68 | -8.67 | -64.62 | |
| Earnings yield | 0.03 | 0.09 | 0.05 | 0.06 | 0.06 | |
| Free cash flow yield | 0.09 | 0.2 | -0.01 | 0.25 | 0.05 | |
| Debt to equity | 1.36 | 0.19 | 0.42 | 0.19 | 0.19 | |
| Debt to assets | 0.13 | 0.02 | 0.04 | 0.02 | 0.02 | |
| Net debt to EBITDA | -1.94 | -13.12 | -14.8 | -37.54 | -53.06 | |
| Current ratio | 0 | 0 | 0 | 0 | 0 | |
| Interest coverage | 1.76 | 1.88 | 1.58 | 0.68 | 0.58 | |
| Income quality | 3.41 | 2.33 | 0.03 | 4.04 | 0.95 | |
| Dividend Yield | 0 | 0 | 0 | 0 | 0 | |
| Payout ratio | 0 | 0 | 0 | 0 | 0 | |
| Sales general and administrative to revenue | 0.29 | 0.26 | 0.34 | 0.32 | 0.02 | |
| Research and developement to revenue | 0 | 0 | 0 | 0 | 0 | |
| Intangibles to total assets | 0 | 0 | 0 | 0 | 0 | |
| Capex to operating cash flow | -0.04 | -0.03 | -8.28 | -0.02 | -0.12 | |
| Capex to revenue | -0.02 | -0.02 | -0.04 | -0.02 | -0.02 | |
| Capex to depreciation | -0.75 | -1.02 | -1.97 | -0.81 | -1.16 | |
| Stock based compensation to revenue | 0.06 | 0 | 0.08 | 0.33 | 0.34 | |
| Graham number | 4.59 | 10.75 | 5.7 | 6.08 | 6 | |
| ROIC | 0.01 | 0.04 | 0.03 | 0.02 | 0.02 | |
| Return on tangible assets | 0 | 0 | 0 | 0 | 0 | |
| Graham Net | -64.87 | -97.7 | 11.92 | 12.68 | 16.01 | |
| Working capital | 100.43M | 98.38M | 47.67M | 38.17M | 34.42M | |
| Tangible asset value | 51.21M | 62.58M | 594.61M | 620.14M | 700.93M | |
| Net current asset value | -393.19M | -424.26M | 20.24M | 25.8M | 22.11M | |
| Invested capital | 1.36 | 0.19 | 0.42 | 0.19 | 0.19 | |
| Average receivables | 1.1M | 1.32M | 1.44M | 1.49M | 1.67M | |
| Average payables | 0 | 0 | 0 | 0 | 0 | |
| Average inventory | 0 | 0 | 0 | 0 | 0 | |
| Days sales outstanding | 21.65 | 24.04 | 22.19 | 22.05 | 18.02 | |
| Days payables outstanding | 0 | 0 | 0 | 0 | 0 | |
| Days of inventory on hand | 0 | 0 | 0 | 0 | 0 | |
| Receivables turnover | 4.16 | 3.74 | 4.06 | 4.08 | 5 | |
| Payables turnover | 0 | 0 | 0 | 0 | 0 | |
| Inventory turnover | 0 | 0 | 0 | 0 | 0 | |
| ROE | 0.01 | 0.02 | 0.02 | 0.02 | 0.02 | |
| Capex per share | -0.01 | -0.03 | -0.03 | -0.01 | -0.02 |
OPHC Frequently Asked Questions
What is OptimumBank Holdings, Inc. stock symbol ?
OptimumBank Holdings, Inc. is a US stock , located in Fort lauderdale of Fl and trading under the symbol OPHC
What is OptimumBank Holdings, Inc. stock quote today ?
OptimumBank Holdings, Inc. stock price is $3.52 today.
Is OptimumBank Holdings, Inc. stock public?
Yes, OptimumBank Holdings, Inc. is a publicly traded company.
Company Profile
- Volume Average 9.05K
- Market Capitalization 25.52M
- Employee 48
- CEO Mr. Timothy L. Terry
- Headquarters Fort Lauderdale,FL,US
- IPO Date 2003-06-23
-
Website
https://www.optimumbank.com 
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.
