OPHC
BULLISHAt a glance
Key valuation, profitability, growth, and risk metrics.
AI Analysis
AI-powered fundamental assessment
Key Strengths
Key Risks
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Trading at roughly 46% of its defensive fair value (Graham Number).
- P/B 0.52
- P/E 9.25
- Price well below Graham Number
Strong top-line growth is not currently translating to bottom-line expansion.
- 36.2% Revenue Growth
- Positive Analyst Target ($6.83)
- Negative YoY EPS growth
- Recent Q/Q EPS decline
Strong long-term price appreciation despite recent volatility.
- 1Y Change +26.1%
- 3Y Change +75.0%
- Recent earnings surprises turning negative
Financial health is stable but lacks the strength of a high F-Score (7-9).
- Piotroski F-Score 4/9 (Stable)
- No Altman Z-Score available for bankruptcy risk assessment
Non-dividend paying stock.
- No dividend paid
- 0% Payout ratio
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for OPHC and closest competitors.
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
OPHC
OptimumBank Holdings, Inc.
Primary
|
+44.8% | +75.0% | +26.1% | +33.8% | +7.1% | +0.6% |
|
ASRV
AmeriServ Financial, Inc.
Peer
|
+19.9% | +47.6% | +78.7% | +30.0% | +6.3% | +3.2% |
|
GEG
Great Elm Group, Inc.
Peer
|
-18.4% | -11.1% | +6.4% | -19.0% | -3.9% | +5.8% |
|
CCIF
Carlyle Credit Income Fund
Peer
|
-30.3% | -38.2% | -38.8% | -32.4% | +4.4% | -5.0% |
|
BYFC
Broadway Financial Corporation
Peer
|
-59.1% | -11.9% | +22.8% | -4.9% | -7.0% | -1.6% |
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Valuation Metrics
Key valuation ratios and pricing indicators
Profitability
Profit margins and return metrics
Growth
Revenue and earnings growth rates
Financial Health
Balance sheet strength and liquidity metrics
Quarterly Earnings History
EPS performance vs analyst estimates
Financial Services Sector Comparison
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
OPHC
OptimumBank Holdings, Inc.
|
BULLISH | $66.43M | 9.25 | 14.8% | 35.2% | $5.46 | |
|
ASRV
AmeriServ Financial, Inc.
|
NEUTRAL | $65.99M | 11.44 | 5.0% | 10.2% | $3.89 | Compare |
|
GEG
Great Elm Group, Inc.
|
BEARISH | $65.49M | - | -20.4% | -60.6% | $2.0 | Compare |
|
CCIF
Carlyle Credit Income Fund
|
BEARISH | $67.84M | - | -% | -% | $3.2 | Compare |
|
BYFC
Broadway Financial Corporation
|
BEARISH | $68.17M | - | -8.9% | -75.6% | $7.33 | Compare |
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-02-02 | TERRY TIMOTHY L. | Officer | Sale | 39,304 | $185,908 |
| 2025-12-04 | BLISKO MICHAEL | Director | Sale | 7,600 | $31,084 |
| 2025-12-04 | BLISKO MICHAEL | Director | Purchase | 7,600 | $31,084 |
SEC Filings
Recent regulatory filings from the SEC EDGAR database
Wall Street Analysts
Professional analyst ratings and price targets
Past News Coverage
Recent headlines mentioning OPHC from our newsroom.