Switch to:

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash to Debt 0.43
OPHC's Cash to Debt is ranked higher than
63% of the 1677 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.41 vs. OPHC: 0.43 )
OPHC' s 10-Year Cash to Debt Range
Min: 0.01   Max: No Debt
Current: 0.43

Equity to Asset 0.02
OPHC's Equity to Asset is ranked lower than
55% of the 2349 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. OPHC: 0.02 )
OPHC' s 10-Year Equity to Asset Range
Min: 0   Max: 0.4
Current: 0.02

0
0.4
Interest Coverage 1.76
OPHC's Interest Coverage is ranked higher than
74% of the 2175 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. OPHC: 1.76 )
OPHC' s 10-Year Interest Coverage Range
Min: 0.09   Max: 1.76
Current: 1.76

0.09
1.76
F-Score: 4
Z-Score: -0.18
WACC vs ROIC
8.20%
9.12%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 2/10

vs
industry
vs
history
Operating margin (%) 29.19
OPHC's Operating margin (%) is ranked higher than
73% of the 2377 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.48 vs. OPHC: 29.19 )
OPHC' s 10-Year Operating margin (%) Range
Min: -670.34   Max: 46.34
Current: 29.19

-670.34
46.34
Net-margin (%) 29.19
OPHC's Net-margin (%) is ranked higher than
84% of the 2377 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.33 vs. OPHC: 29.19 )
OPHC' s 10-Year Net-margin (%) Range
Min: -225.1   Max: 184.82
Current: 29.19

-225.1
184.82
ROE (%) 97.10
OPHC's ROE (%) is ranked higher than
100% of the 2380 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.85 vs. OPHC: 97.10 )
OPHC' s 10-Year ROE (%) Range
Min: -211.38   Max: 116.18
Current: 97.1

-211.38
116.18
ROA (%) 1.26
OPHC's ROA (%) is ranked higher than
88% of the 2384 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.79 vs. OPHC: 1.26 )
OPHC' s 10-Year ROA (%) Range
Min: -5.19   Max: 1.27
Current: 1.26

-5.19
1.27
ROC (Joel Greenblatt) (%) 56.30
OPHC's ROC (Joel Greenblatt) (%) is ranked higher than
68% of the 2346 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 86.24 vs. OPHC: 56.30 )
OPHC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -496.5   Max: 84.17
Current: 56.3

-496.5
84.17
Revenue Growth (3Y)(%) -41.90
OPHC's Revenue Growth (3Y)(%) is ranked lower than
52% of the 2043 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. OPHC: -41.90 )
OPHC' s 10-Year Revenue Growth (3Y)(%) Range
Min: -75.2   Max: 194.5
Current: -41.9

-75.2
194.5
» OPHC's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Insider Trades

Latest Guru Trades with OPHC

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

No Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 5.40
OPHC's P/E(ttm) is ranked higher than
98% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.60 vs. OPHC: 5.40 )
OPHC' s 10-Year P/E(ttm) Range
Min: 4.61   Max: 90.2
Current: 5.4

4.61
90.2
PE(NRI) 5.80
OPHC's PE(NRI) is ranked higher than
97% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.70 vs. OPHC: 5.80 )
OPHC' s 10-Year PE(NRI) Range
Min: 4.61   Max: 96.66
Current: 5.8

4.61
96.66
P/B 3.20
OPHC's P/B is ranked higher than
52% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.40 vs. OPHC: 3.20 )
OPHC' s 10-Year P/B Range
Min: 0.24   Max: 23.17
Current: 3.2

0.24
23.17
P/S 1.80
OPHC's P/S is ranked higher than
86% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.68 vs. OPHC: 1.80 )
OPHC' s 10-Year P/S Range
Min: 0.11   Max: 15.84
Current: 1.8

0.11
15.84
PFCF 6.90
OPHC's PFCF is ranked higher than
87% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. OPHC: 6.90 )
OPHC' s 10-Year PFCF Range
Min: 0.45   Max: 154.23
Current: 6.9

0.45
154.23
POCF 6.47
OPHC's POCF is ranked higher than
88% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 81.00 vs. OPHC: 6.47 )
OPHC' s 10-Year POCF Range
Min: 0.45   Max: 18.85
Current: 6.47

0.45
18.85
EV-to-EBIT 16.40
OPHC's EV-to-EBIT is ranked higher than
75% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.40 vs. OPHC: 16.40 )
OPHC' s 10-Year EV-to-EBIT Range
Min: -75.6   Max: 540.6
Current: 16.4

-75.6
540.6
Days Sales Outstanding 28.28
OPHC's Days Sales Outstanding is ranked higher than
91% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. OPHC: 28.28 )
OPHC' s 10-Year Days Sales Outstanding Range
Min: 30.92   Max: 847.74
Current: 28.28

30.92
847.74

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 3.30
OPHC's Price/Tangible Book is ranked higher than
57% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. OPHC: 3.30 )
OPHC' s 10-Year Price/Tangible Book Range
Min: 0.26   Max: 18.67
Current: 3.3

0.26
18.67
Price/Median PS Value 0.50
OPHC's Price/Median PS Value is ranked higher than
98% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. OPHC: 0.50 )
OPHC' s 10-Year Price/Median PS Value Range
Min: 0.05   Max: 11.63
Current: 0.5

0.05
11.63
Price/Graham Number 0.90
OPHC's Price/Graham Number is ranked higher than
77% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. OPHC: 0.90 )
OPHC' s 10-Year Price/Graham Number Range
Min: 0.79   Max: 1.42
Current: 0.9

0.79
1.42
Earnings Yield (Greenblatt) 6.50
OPHC's Earnings Yield (Greenblatt) is ranked higher than
68% of the 2352 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. OPHC: 6.50 )
OPHC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.2   Max: 6.7
Current: 6.5

0.2
6.7

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
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.

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
FEEDBACK