Stocks · Financial Services · Banks - Regional
OptimumBank Holdings, Inc. OPHC
$8.60 -4.87% Close, Oct 5, 2026 · AMEX · Market cap $110.0M
Strong growthHigh qualityStrong trendInexpensive vs sector
Next earnings report: Nov 9, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Over the past year the stock returned +111.8%, ahead of the S&P 500 by 96.1 percentage points.
- Earnings beat analyst estimates in each of the last 8 quarters (average surprise over the last four: +100.0%).
- The stock is in an uptrend: above its 200-day average for 186 trading days, with the 50-day average above the 200-day.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 6, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 26%
- EPS growth (TTM, YoY)Top 37%
- FCF growth (TTM, YoY)Top 35%
- Revenue growth, 3-year CAGRTop 7%
- Revenue growth accelerationTop 29%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 3%
- Gross marginTop 39%
- Operating marginTop 21%
- Cash conversion (OCF / net income)Top 39%
- Accruals (lower is better)Top 44%
- Net debt / EBITDA (lower is better)Top 23%
- Interest coverTop 45%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 5%
- Free-cash-flow yieldTop 11%
- EBITDA / enterprise valueTop 5%
- Sales / enterprise valueTop 14%
- P/E vs own 5-year history (lower is better)Bottom 30%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 1%
- 6-month returnTop 2%
- 1-year return vs S&P 500Top 1%
- Distance from 52-week highBottom 25%
- Trend checklist (0–4)Top 48%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 2%
- Consecutive EPS beatsTop 13%
- Upside to consensus price targetBottom 14%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 8%
- Maximum drawdown, 3 yearsBottom 36%
- Beta vs S&P 500 (lower is better)Bottom 38%
- Net debt / EBITDA (lower is better)Top 23%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 15.7% | 17.7% | ↑ |
| EPS growth (YoY) | 4.4% | 28.8% | ↑ |
| Gross margin | 61.8% | 69.4% | ↑ |
| Operating margin | 29.6% | 34.5% | ↑ |
| FCF margin | 28.3% | 33.6% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 17.7% | 15.7% | ↑ | Top 26% |
| EPS growth (TTM, YoY) | 28.8% | 4.4% | ↑ | Top 37% |
| Gross margin | 69.4% | 61.8% | ↑ | Top 39% |
| Operating margin | 34.5% | 29.6% | ↑ | Top 21% |
| Net margin | 26.1% | 22.0% | ↑ | — |
| Free-cash-flow margin | 33.6% | 28.3% | ↑ | — |
| Return on invested capital | 37.4% | — | Top 3% | |
| Revenue growth, 3-year CAGR | 46.0% | — | Top 7% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.30×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.4%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 1.3%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +37.2 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -0.35×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 1.1×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.00%
- Net buyback yield (TTM)
- -0.85%
- Shareholder yield
- -0.85%
- Share count change, 1 year
- -2.6%
- Share count change, 3-year CAGR
- +18.1%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 10, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 8
- Beats in the last 8 reports
- 8 of 8
- Average EPS surprise, last 4
- +100.0%
- Average 2-day reaction, last 8
- +1.8%
- Positive 20 days after report
- 5 of 8
Analysts
- Consensus price target
- $8.75
- Target vs current price
- +1.7%
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 24, 2026 | +35.5% | +5.4% | +17.9% | +54.2% | — |
| Apr 24, 2026 | +5.3% | +1.7% | +0.6% | +1.7% | +10.7% |
| Feb 2, 2026 | +840.7% | +3.2% | +7.4% | +15.9% | +17.4% |
| Nov 10, 2025 | — | +0.3% | +5.3% | +4.0% | +22.8% |
| Aug 7, 2025 | +93.3% | -11.0% | -5.1% | -7.0% | -10.3% |
| May 12, 2025 | +88.2% | +3.7% | -0.2% | -1.1% | -1.3% |
| Feb 5, 2025 | +105.9% | +1.0% | +4.7% | -6.9% | -3.8% |
| Nov 8, 2024 | +100.0% | +10.0% | +2.0% | +0.4% | -7.6% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 24, 2026 | $0.28 | $0.21 | +35.5% | $17.2M |
| Apr 24, 2026 | $0.20 | $0.19 | +5.3% | $15.0M |
| Feb 2, 2026 | $0.21 | -$0.03 | +840.7% | $19.2M |
| Nov 10, 2025 | $0.18 | — | — | $18.3M |
| Aug 7, 2025 | $0.29 | $0.15 | +93.3% | $12.1M |
| May 12, 2025 | $0.32 | $0.17 | +88.2% | $16.2M |
| Feb 5, 2025 | $0.35 | $0.17 | +105.9% | $16.7M |
| Nov 8, 2024 | $0.32 | $0.16 | +100.0% | $16.4M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 5.1× | 3.9× | 76th | Top 5% |
| P/E (forward) | 7.4× | — | — | — |
| EV / EBITDA | 3.7× | — | — | Top 5% |
| EV / Sales | 1.28× | — | — | Top 14% |
| Free-cash-flow yield | 24.02% | — | — | Top 11% |
| Earnings yield | 19.77% | — | — | Top 5% |
P/E over the past five years
Range 2.4× – 26.9× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +111.8%
- Earnings per share growth (TTM)
- +28.8%
- Change in P/E multiple
- +63.0%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 186
- 50-day average slope (20 days)
- +16.0%
- 200-day average slope (20 days)
- +8.5%
- Distance from 50-day average
- -3.5%
- Distance from 200-day average
- +39.1%
- RSI (14)
- 43.8
- Relative volume
- 1.20×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 60.7%
- Volatility vs own 5-year history
- 93th percentile · High for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.80
- Correlation with S&P 500
- 0.35
- Current drawdown from 1-year high
- -14.9%
- Maximum drawdown, 3 years
- -34.1%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Jul 30, 2021 | May 25, 2023 | -59.5% | 458 days | 790 days (Jul 28, 2026) |
| Feb 22, 2021 | May 17, 2021 | -23.9% | 59 days | 17 days (Jun 10, 2021) |
| Aug 19, 2026 | Oct 5, 2026 | -14.8% | 32 days | Not yet recovered |
| Jan 12, 2021 | Jan 28, 2021 | -14.4% | 11 days | 7 days (Feb 8, 2021) |
| Nov 24, 2020 | Dec 11, 2020 | -13.9% | 12 days | 9 days (Dec 24, 2020) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $110.0M
- P/E (TTM)
- 5.1
- EPS, diluted (TTM)
- $1.70
- Revenue (TTM)
- $78.6M
- 52-week range
- $3.91 – $10.68
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $11.8M | $22.8M | $39.2M | $64.3M | $71.1M |
| Gross profit | $9.7M | $15.3M | $23.1M | $37.1M | $47.3M |
| Operating income | $3.1M | $5.4M | $8.5M | $17.6M | $22.2M |
| Net income | $6.3M | $4.0M | $6.3M | $13.1M | $16.6M |
| EPS (diluted) | $1.61 | $0.68 | $0.87 | $1.33 | $1.36 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $16.4M | $16.7M | $16.2M | $17.4M | $18.3M | $19.2M | $21.2M | $19.9M |
| Net income | $3.3M | $4.0M | $3.9M | $3.6M | $4.3M | $4.9M | $4.7M | $6.7M |
| EPS (diluted) | $0.32 | $0.39 | $0.32 | $0.29 | $0.35 | $0.40 | $0.39 | $0.56 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $3.8M | $10.4M | $6.9M | $15.6M | $17.8M |
| Capital expenditure | -$381,000 | -$322,000 | -$668,000 | -$988,000 | -$896,000 |
| Free cash flow | $3.4M | $10.0M | $6.2M | $14.6M | $16.9M |
| Dividends paid | $0 | $0 | $0 | $0 | $0 |
| Net share buybacks | $3.6M | $9.9M | $324,000 | $17.9M | $217,000 |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $41.3M
- Total assets
- $1.40B
- Total liabilities
- $1.27B
- Total debt
- $5.1M
- Net debt
- -$9.5M
- Shareholders’ equity
- $134.4M
As of Jun 30, 2026 (filed Aug 10, 2026).
Short interest
- Shares sold short
- 106,320
- Days to cover
- 1.13
- Change vs previous report
- +157.2%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Jan 12, 2016
- 1-for-10
- Jun 3, 2013
- 1-for-4
- Nov 8, 2010
- 1-for-4
- Jun 9, 2009
- 21-for-20
- Jun 10, 2008
- 21-for-20