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OptimumBank Holdings, Inc. (OPHC)

OptimumBank Holdings, Inc. at a glance — key fundamentals, SEC filings, insider buying and selling, and earnings dates.

OptimumBank Holdings, Inc. (OPHC) is a Banks - Regional company based in US with a market capitalization of $67.5M. Revenue grew 10.7% year-over-year and the company generated $16.9M in free cash flow. This page tracks OPHC's SEC filings, insider buying and selling, earnings dates, and key fundamentals in one place.

US · 73 employees · IPO Jun 23, 2003

Valuation

Valuation & price

$5.44 · as of May 17, 2026 · -7.5% vs 52w high

4.0

P/E ratio

Latest-FY diluted EPS

0.55

P/B ratio

Market cap ÷ book equity

—

Dividend yield

Price — last 12 months

$5.80$4.86$3.91Jul 25Dec 25Jul 26Jul 7, 25$4.51Jul 9, 25$4.58Jul 11, 25$4.56Jul 15, 25$4.51Jul 17, 25$4.51Jul 21, 25$4.59Jul 23, 25$4.55Jul 25, 25$4.61Jul 29, 25$4.60Jul 31, 25$4.50Aug 4, 25$4.54Aug 6, 25$4.55Aug 11, 25$4.16Aug 13, 25$4.32Aug 15, 25$4.29Aug 19, 25$4.25Aug 21, 25$4.22Aug 25, 25$4.39Aug 27, 25$4.37Aug 29, 25$4.25Sep 3, 25$4.22Sep 5, 25$4.23Sep 9, 25$4.26Sep 11, 25$4.25Sep 16, 25$4.16Sep 18, 25$4.13Sep 22, 25$4.27Sep 24, 25$4.16Sep 26, 25$4.17Sep 30, 25$4.10Oct 2, 25$4.06Oct 6, 25$4.16Oct 8, 25$4.19Oct 10, 25$4.05Oct 14, 25$4.02Oct 16, 25$3.98Oct 21, 25$3.91Oct 23, 25$3.94Oct 27, 25$4.11Oct 29, 25$4.07Oct 31, 25$4.09Nov 4, 25$4.03Nov 6, 25$3.96Nov 10, 25$4.00Nov 12, 25$4.13Nov 14, 25$4.20Nov 18, 25$4.15Nov 20, 25$4.12Nov 25, 25$4.17Nov 28, 25$4.15Dec 2, 25$4.15Dec 4, 25$4.05Dec 8, 25$4.15Dec 10, 25$4.19Dec 12, 25$4.33Dec 16, 25$4.20Dec 18, 25$4.28Dec 22, 25$4.25Dec 24, 25$4.24Dec 29, 25$4.27Jan 2, 26$4.24Jan 6, 26$4.24Jan 8, 26$4.33Jan 12, 26$4.34Jan 14, 26$4.40Jan 16, 26$4.77Jan 21, 26$4.79Jan 23, 26$4.79Jan 27, 26$4.81Jan 29, 26$4.75Feb 2, 26$4.86Feb 4, 26$4.95Feb 9, 26$5.16Feb 11, 26$5.24Feb 13, 26$5.20Feb 18, 26$5.25Feb 20, 26$5.35Feb 24, 26$5.25Feb 26, 26$5.33Mar 2, 26$5.46Mar 4, 26$5.45Mar 6, 26$5.01Mar 10, 26$5.17Mar 12, 26$5.50Mar 17, 26$5.43Mar 19, 26$5.26Mar 23, 26$5.40Mar 25, 26$5.35Mar 27, 26$5.23Mar 31, 26$5.10Apr 2, 26$5.03Apr 7, 26$5.28Apr 9, 26$5.29Apr 13, 26$5.26Apr 15, 26$5.34Apr 17, 26$5.43Apr 22, 26$5.39Apr 24, 26$5.52Apr 28, 26$5.53Apr 30, 26$5.46May 4, 26$5.50May 6, 26$5.52May 8, 26$5.59May 12, 26$5.50May 14, 26$5.51May 18, 26$5.45May 20, 26$5.50May 22, 26$5.53May 28, 26$5.55Jun 1, 26$5.53Jun 3, 26$5.45Jun 5, 26$5.50Jun 9, 26$5.50Jun 11, 26$5.54Jun 15, 26$5.75Jun 17, 26$5.79Jun 22, 26$5.76Jun 24, 26$5.80Jun 26, 26$5.80Jul 2, 26$5.73
$3.9152-week range$5.88
Loading valuation history…

Fundamentals

Key fundamentals

$67.5M

Market cap

10.7%

Revenue growth (YoY)

66.5%

Gross margin

$16.9M

Free cash flow (USD)

-$61.8M

Net debt

Net cash position

24.5%

Share dilution

3/4

Graham criteria passed

Defensive-investor screen

Financial Services

Sector

Trajectory

Long-term trends

Revenue by year

2016 → 2025

FY 2016$4.6MFY 2017$4.8MFY 2018$4.4MFY 2019$5.4MFY 2020$7.0MFY 2021$11.8MFY 2022$22.8MFY 2023$39.2MFY 2024$64.3MFY 2025$71.1M
$4.6M$71.1M

Free cash flow by year

2016 → 2025

FY 2016$450.0KFY 2017$476.0KFY 2018$-210.0KFY 2019$-1.1MFY 2020$-1.7MFY 2021$3.4MFY 2022$10.0MFY 2023$6.2MFY 2024$14.6MFY 2025$16.9M
$450K$16.9M

Gross margin by year

2021 → 2025

FY 202181.8%FY 202267.1%FY 202358.9%FY 202457.7%FY 202566.5%
81.8%66.5%

Value screen

Graham defensive-investor tests

Computing the scorecard — refreshing any stale inputs…

0

Insider buys · 90 days

0

Insider sells · 90 days

Earnings

Last report: 10-Q filed May 12, 2026

Next expected: not yet scheduled

On the tape

Recent SEC & insider activity

  • Quarterly report10-Q FiledMay 12, 2026Filing
  • 8-K eventCEO ChangeMay 5, 2026Filing
  • 8-K eventAnnual Meeting ResultsMay 4, 2026Filing
  • 8-K eventEarnings ReleaseApr 24, 2026Filing

Questions

Frequently asked questions

What is OptimumBank Holdings, Inc.'s market cap?

OptimumBank Holdings, Inc. (OPHC) has a market capitalization of $67.5M.

What is OPHC's P/E ratio?

OPHC trades at a price-to-earnings ratio of 4.0, based on its latest fiscal-year diluted earnings per share and the most recent cached price.

What is OPHC's price-to-book (P/B) ratio?

OPHC trades at 0.55 times book value per share.

Are insiders buying OPHC stock?

SEC Form 4 filings show no open-market insider buys at OptimumBank Holdings, Inc. in the last 90 days (0 sells).

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Timeline

Every filing, insider trade & earnings on a price-anchored timeline

Filing Analyzer

Search the actual 10-K / 10-Q text with AI research angles

News

Latest press coverage in one feed

Data: SEC EDGAR filings and cached fundamental data; prices and ratios use the most recent cached quote and statements (may lag by up to a day). Educational and research purposes only. Not investment advice.