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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6021
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OptimumBank Holdings Inc is a bank holding company for OptimumBank. The Company through its subsidiaries offers banking products and services to individuals and businesses.

OptimumBank Holdings, Inc. is a Florida corporation formed in 2004 as a bank holding company for OptimumBank (the 'Bank'). The Company's only business is the operation of OptimumBank and the Bank's subsidiaries. The Bank is a Florida state chartered bank established in 2000, with deposits insured by the Federal Deposit Insurance Corporation (FDIC). The company's revenues are primarily derived from interests on, and fees received in connection with, real estate, and other loans, and from interest from mortgage-backed securities and short-term investments. The main sources of funds for its lending activities are deposits, borrowings, repayment of loans, and the repayment, or maturity of investment securities. Its principal expenses are the interest paid on deposits, and operating and general administrative expenses. The Company provides consumer and commercial banking services to individuals and businesses. The basic services it offers include demand interest-bearing and noninterest-bearing accounts, money market deposit accounts, NOW accounts, time deposits, credit cards, cash management, direct deposits, notary services, money orders, night depository, travelers' checks, cashier's checks, domestic collections, savings bonds, bank drafts, automated teller services, drive-in tellers, and banking by mail. In addition, it makes residential and commercial real estate loans and consumer loans. It provides ATM cards, as a part of the Star, Presto and Cirrus networks, thereby permitting customers to utilize the convenience of ATMs worldwide. The Company encounters strong competition both in making loans and in attracting deposits. It competes with other commercial banks, savings and loan associations, credit unions, finance companies, mutual funds, insurance companies, brokerage and investment banking companies, and other financial intermediaries. The Company is subject to the supervision and regulation of the Federal Reserve. It is also subject to the supervision and regulation of the State of Florida Office of Financial Regulation and the FDIC. It is a member of the Federal Home Loan Bank of Atlanta.

Ratios

vs
industry
vs
history
P/B 1.32
OPHC's P/B is ranked lower than
56% of the 1683 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. OPHC: 1.32 )
Ranked among companies with meaningful P/B only.
OPHC' s P/B Range Over the Past 10 Years
Min: 0.24  Med: 1.45 Max: 24.78
Current: 1.32
0.24
24.78
P/S 1.03
OPHC's P/S is ranked higher than
92% of the 1674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.44 vs. OPHC: 1.03 )
Ranked among companies with meaningful P/S only.
OPHC' s P/S Range Over the Past 10 Years
Min: 0.1  Med: 1.89 Max: 16.22
Current: 1.03
0.1
16.22
PFCF 498.75
OPHC's PFCF is ranked lower than
99% of the 868 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.80 vs. OPHC: 498.75 )
Ranked among companies with meaningful PFCF only.
OPHC' s PFCF Range Over the Past 10 Years
Min: 0.44  Med: 8.16 Max: 716.25
Current: 498.75
0.44
716.25
POCF 39.52
OPHC's POCF is ranked lower than
91% of the 933 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.53 vs. OPHC: 39.52 )
Ranked among companies with meaningful POCF only.
OPHC' s POCF Range Over the Past 10 Years
Min: 0.43  Med: 7.81 Max: 56.73
Current: 39.52
0.43
56.73

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio -6.70
OPHC's 3-Year Average Share Buyback Ratio is ranked lower than
69% of the 1063 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.10 vs. OPHC: -6.70 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
OPHC' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -242  Med: -7.7 Max: 0
Current: -6.7
-242
0

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.35
OPHC's Price/Tangible Book is ranked lower than
52% of the 1680 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.23 vs. OPHC: 1.35 )
Ranked among companies with meaningful Price/Tangible Book only.
OPHC' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.27  Med: 1.51 Max: 19.96
Current: 1.35
0.27
19.96
Price/Median PS Value 0.56
OPHC's Price/Median PS Value is ranked higher than
94% of the 1545 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. OPHC: 0.56 )
Ranked among companies with meaningful Price/Median PS Value only.
OPHC' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.08  Med: 1.55 Max: 60.17
Current: 0.56
0.08
60.17
Earnings Yield (Greenblatt) (%) -1.80
OPHC's Earnings Yield (Greenblatt) (%) is ranked lower than
78% of the 1696 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.70 vs. OPHC: -1.80 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
OPHC' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: -1.81  Med: 2 Max: 6.8
Current: -1.8
-1.81
6.8

More Statistics

Revenue (TTM) (Mil) $3.92
EPS (TTM) $ -0.37
Beta-0.19
Short Percentage of Float0.18%
52-Week Range $3.25 - 6.45
Shares Outstanding (Mil)1.10
» More Articles for OPHC

Headlines

Articles On GuruFocus.com
OptimumBank Holdings Inc. Reports Operating Results (10-Q) May 14 2010 
OptimumBank Holdings Inc. Reports Operating Results (10-Q) May 14 2009 

More From Other Websites
FDIC hits Optimumbank with new regulatory order, criticizes anti-money laundering compliance Dec 30 2016
OPTIMUMBANK HOLDINGS, INC. Financials Nov 19 2016
OptimumBank Holdings, Inc. :OPHC-US: Earnings Analysis: Q3, 2016 By the Numbers : November 17, 2016 Nov 17 2016
OPTIMUMBANK HOLDINGS, INC. Files SEC form 10-Q, Quarterly Report Nov 14 2016
OPTIMUMBANK HOLDINGS, INC. Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Nov 02 2016
OptimumBank Holdings, Inc. :OPHC-US: Earnings Analysis: Q2, 2016 By the Numbers : August 19, 2016 Aug 19 2016
OPTIMUMBANK HOLDINGS, INC. Files SEC form 10-Q, Quarterly Report Aug 15 2016
OptimumBank Holdings, Inc. :OPHC-US: Earnings Analysis: Q1, 2016 By the Numbers May 20 2016
OPTIMUMBANK HOLDINGS, INC. Files SEC form 10-Q, Quarterly Report May 13 2016
OPTIMUMBANK HOLDINGS, INC. Files SEC form 10-K, Annual Report Mar 25 2016

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