OptimumBank Holdings, Inc. Common Stock (OPHC)
Financial Services › National Commercial Banks
Price History
Feb 9, 2026 — May 24, 2026Investment Snapshot
- Trading 69% below Graham Number ($17.67) — significant margin of safety
- Piotroski F-Score 3/9 — signs of financial weakness
- ROE of 13.0% — below-average profitability
OptimumBank Holdings, Inc. Common Stock (OPHC) is a Financial Services company operating in National Commercial Banks, listed on the AMEX , with a market capitalisation of $68 million . Key value metrics: P/E ratio 4.1, P/B ratio 0.53, Piotroski F-Score 3 out of 9 .
Value Score
Key Metrics
Current vs 5-Year Average
Based on 5 years of SEC filingsRevenue & Net Income
Financial Statements
| Metric | FY22 | FY23 | FY24 |
|---|---|---|---|
| Revenue | $X.XB | $X.XB | $X.XB |
| Gross Profit | $X.XB | $X.XB | $X.XB |
| Operating Income | $X.XB | $X.XB | $X.XB |
| Net Income | $X.XB | $X.XB | $X.XB |
| EBITDA | $X.XB | $X.XB | $X.XB |
| Total Assets | $X.XB | $X.XB | $X.XB |
| Total Liabilities | $X.XB | $X.XB | $X.XB |
OptimumBank Holdings, Inc. Common Stock — Fundamental Analysis Summary
OptimumBank Holdings, Inc. Common Stock (OPHC) is trading 69% below its Graham Number of $17.67 — a significant margin of safety by Benjamin Graham's standard. The stock carries a low trailing P/E ratio of 4.1x.
On financial health, OPHC shows a weak Piotroski F-Score of 3/9, a signal of deteriorating financial health, and modest return on equity of 13.0% (sector average: 4.9%), and high leverage with a debt-to-equity ratio of 8.12.
StockPik's composite Value Score for OPHC is 70/100 — placing it in undervalued territory. The score is built from ten fundamental signals: P/E, P/B, PEG ratio, P/S ratio, return on equity, gross margin, debt-to-equity, current ratio, dividend yield, and Piotroski F-Score.
OPHC shows earnings growing at 27%.