OptimumBank Holdings, Inc. (OPHC) Stock Score, Valuation & Financial Research
OptimumBank Holdings, Inc. is in the Financial Services sector and Banks - Regional industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 67/100.
Quick answer for OPHC
OptimumBank Holdings, Inc. currently has a Wall Street Score of 67/100. The stored market price is $9.21. Its financial score is 36/100. Its valuation score is 100/100. These figures are a research snapshot, not a buy or sell recommendation.
What OptimumBank Holdings, Inc. does
OptimumBank Holdings, Inc. operates as the bank holding company for OptimumBank, which provides various consumer and commercial banking services to individuals and businesses. The company accepts interest-bearing and noninterest-bearing, savings, money market, and NOW accounts, as well as time deposits, wire transfers, ACH services, and certificates of deposit. It also offers multi-family real estate, residential and commercial real estate, and land and construction loans; commercial loans for working capital purposes or acquiring equipment, inventory, and furniture; and consumer loans for various purposes, including purchases of automobiles, recreational vehicles, boats, home improvements, lines of credit, personal, and deposit account collateralized loans. In addition, the company provides debit and ATM cards; cash management, notary, and night depository services; and direct deposits,
OPHC financial snapshot
- Wall Street Score:
- 67/100
- Current price:
- $9.21
- Market capitalization:
- $112.0M
- Revenue:
- $78.6M
- Net income:
- $20.5M
- Free cash flow:
- $16.9M
- Cash:
- $14.6M
- Total debt:
- $5.1M
- EPS:
- 1.73
- P/E ratio:
- 5.3x
- Financial score:
- 36/100
- Valuation score:
- 100/100
- Revenue score:
- 63/100
What stands out
- Reported year-over-year revenue growth is +0.1%.
- Free cash flow is $16.9M, showing positive cash generation.
- The balance sheet shows $14.6M of cash versus $5.1M of total debt, leaving more cash than debt.
What the numbers mean
Its current valuation score is 100/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 36/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-09-08.
How to research OPHC
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.