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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 : 4/10

vs
industry
vs
history
Cash to Debt 0.54
OPHC's Cash to Debt is ranked lower than
65% of the 983 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.38 vs. OPHC: 0.54 )
Ranked among companies with meaningful Cash to Debt only.
OPHC' s 10-Year Cash to Debt Range
Min: 0  Med: 0.04 Max: N/A
Current: 0.54
Equity to Asset 0.02
OPHC's Equity to Asset is ranked lower than
99% of the 1353 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. OPHC: 0.02 )
Ranked among companies with meaningful Equity to Asset only.
OPHC' s 10-Year Equity to Asset Range
Min: -0.01  Med: 0.05 Max: 0.11
Current: 0.02
-0.01
0.11
Interest Coverage 1.76
OPHC's Interest Coverage is ranked higher than
52% of the 1269 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.61 vs. OPHC: 1.76 )
Ranked among companies with meaningful Interest Coverage only.
OPHC' s 10-Year Interest Coverage Range
Min: 0.09  Med: 0.40 Max: 1.76
Current: 1.76
0.09
1.76
F-Score: 3
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 (%) -5.77
OPHC's Operating margin (%) is ranked lower than
93% of the 1421 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.31 vs. OPHC: -5.77 )
Ranked among companies with meaningful Operating margin (%) only.
OPHC' s 10-Year Operating margin (%) Range
Min: -670.34  Med: -109.84 Max: 46.34
Current: -5.77
-670.34
46.34
Net-margin (%) -5.77
OPHC's Net-margin (%) is ranked lower than
94% of the 1421 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.02 vs. OPHC: -5.77 )
Ranked among companies with meaningful Net-margin (%) only.
OPHC' s 10-Year Net-margin (%) Range
Min: -208.37  Med: 7.70 Max: 184.82
Current: -5.77
-208.37
184.82
ROE (%) -8.64
OPHC's ROE (%) is ranked lower than
95% of the 1423 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.48 vs. OPHC: -8.64 )
Ranked among companies with meaningful ROE (%) only.
OPHC' s 10-Year ROE (%) Range
Min: -211.38  Med: 3.44 Max: 116.18
Current: -8.64
-211.38
116.18
ROA (%) -0.19
OPHC's ROA (%) is ranked lower than
92% of the 1432 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. OPHC: -0.19 )
Ranked among companies with meaningful ROA (%) only.
OPHC' s 10-Year ROA (%) Range
Min: -5.19  Med: 0.48 Max: 1.27
Current: -0.19
-5.19
1.27
Revenue Growth (3Y)(%) -41.90
OPHC's Revenue Growth (3Y)(%) is ranked lower than
97% of the 1210 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. OPHC: -41.90 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
OPHC' s 10-Year Revenue Growth (3Y)(%) Range
Min: -75.2  Med: -1.30 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

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Ratios

vs
industry
vs
history
P/B 3.07
OPHC's P/B is ranked lower than
97% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. OPHC: 3.07 )
Ranked among companies with meaningful P/B only.
OPHC' s 10-Year P/B Range
Min: 0.24  Med: 1.56 Max: 23.17
Current: 3.07
0.24
23.17
P/S 2.37
OPHC's P/S is ranked higher than
71% of the 1426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.88 vs. OPHC: 2.37 )
Ranked among companies with meaningful P/S only.
OPHC' s 10-Year P/S Range
Min: 0.11  Med: 3.11 Max: 15.84
Current: 2.37
0.11
15.84
PFCF 31.67
OPHC's PFCF is ranked lower than
87% of the 858 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.85 vs. OPHC: 31.67 )
Ranked among companies with meaningful PFCF only.
OPHC' s 10-Year PFCF Range
Min: 0.45  Med: 11.69 Max: 154.23
Current: 31.67
0.45
154.23
POCF 23.75
OPHC's POCF is ranked lower than
87% of the 954 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.17 vs. OPHC: 23.75 )
Ranked among companies with meaningful POCF only.
OPHC' s 10-Year POCF Range
Min: 0.45  Med: 7.17 Max: 26.25
Current: 23.75
0.45
26.25
Days Sales Outstanding 37.62
OPHC's Days Sales Outstanding is ranked lower than
55% of the 793 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.20 vs. OPHC: 37.62 )
Ranked among companies with meaningful Days Sales Outstanding only.
OPHC' s 10-Year Days Sales Outstanding Range
Min: 30.92  Med: 65.95 Max: 847.74
Current: 37.62
30.92
847.74

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 3.06
OPHC's Price/Tangible Book is ranked lower than
96% of the 1349 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. OPHC: 3.06 )
Ranked among companies with meaningful Price/Tangible Book only.
OPHC' s 10-Year Price/Tangible Book Range
Min: 0.26  Med: 1.56 Max: 18.67
Current: 3.06
0.26
18.67
Price/Median PS Value 0.68
OPHC's Price/Median PS Value is ranked higher than
91% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. OPHC: 0.68 )
Ranked among companies with meaningful Price/Median PS Value only.
OPHC' s 10-Year Price/Median PS Value Range
Min: 0.05  Med: 1.28 Max: 13.05
Current: 0.68
0.05
13.05
Earnings Yield (Greenblatt) (%) -1.08
OPHC's Earnings Yield (Greenblatt) (%) is ranked lower than
91% of the 1422 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. OPHC: -1.08 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
OPHC' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: -1.1  Med: 2.00 Max: 6.7
Current: -1.08
-1.1
6.7
Forward Rate of Return (Yacktman) (%) 732.53
OPHC's Forward Rate of Return (Yacktman) (%) is ranked higher than
98% of the 785 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.29 vs. OPHC: 732.53 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
OPHC' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -10.2  Med: 66.30 Max: 188
Current: 732.53
-10.2
188

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.
» 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 

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