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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 0.31
OPHC's Cash to Debt is ranked higher than
60% of the 1566 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. OPHC: 0.31 )
OPHC' s 10-Year Cash to Debt Range
Min: 0   Max: No Debt
Current: 0.31

Equity to Asset 0.03
OPHC's Equity to Asset is ranked lower than
54% of the 2010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. OPHC: 0.03 )
OPHC' s 10-Year Equity to Asset Range
Min: -0.01   Max: 0.11
Current: 0.03

-0.01
0.11
F-Score: 3
Z-Score: -0.23
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 (%) -1.01
OPHC's Operating margin (%) is ranked higher than
50% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.33 vs. OPHC: -1.01 )
OPHC' s 10-Year Operating margin (%) Range
Min: -670.34   Max: 46.34
Current: -1.01

-670.34
46.34
Net-margin (%) -12.93
OPHC's Net-margin (%) is ranked lower than
51% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.41 vs. OPHC: -12.93 )
OPHC' s 10-Year Net-margin (%) Range
Min: -208.37   Max: 184.82
Current: -12.93

-208.37
184.82
ROE (%) -49.82
OPHC's ROE (%) is ranked lower than
54% of the 2031 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.59 vs. OPHC: -49.82 )
OPHC' s 10-Year ROE (%) Range
Min: -211.38   Max: 9.93
Current: -49.82

-211.38
9.93
ROA (%) -0.58
OPHC's ROA (%) is ranked lower than
51% of the 2034 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. OPHC: -0.58 )
OPHC' s 10-Year ROA (%) Range
Min: -5.19   Max: 1.05
Current: -0.58

-5.19
1.05
ROC (Joel Greenblatt) (%) -2.02
OPHC's ROC (Joel Greenblatt) (%) is ranked higher than
50% of the 2003 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.89 vs. OPHC: -2.02 )
OPHC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -496.5   Max: 84.17
Current: -2.02

-496.5
84.17
Revenue Growth (3Y)(%) -74.30
OPHC's Revenue Growth (3Y)(%) is ranked lower than
52% of the 1740 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. OPHC: -74.30 )
OPHC' s 10-Year Revenue Growth (3Y)(%) Range
Min: -75.2   Max: 194.5
Current: -74.3

-75.2
194.5
EBITDA Growth (3Y)(%) -72.80
OPHC's EBITDA Growth (3Y)(%) is ranked higher than
51% of the 1563 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. OPHC: -72.80 )
OPHC' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -79.6   Max: 71.1
Current: -72.8

-79.6
71.1
EPS Growth (3Y)(%) -72.20
OPHC's EPS Growth (3Y)(%) is ranked higher than
51% of the 1547 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. OPHC: -72.20 )
OPHC' s 10-Year EPS Growth (3Y)(%) Range
Min: -76.9   Max: 34.5
Current: -72.2

-76.9
34.5
» 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 2.91
OPHC's P/B is ranked higher than
61% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. OPHC: 2.91 )
OPHC' s 10-Year P/B Range
Min: 0.24   Max: 23.17
Current: 2.91

0.24
23.17
P/S 1.39
OPHC's P/S is ranked higher than
94% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.56 vs. OPHC: 1.39 )
OPHC' s 10-Year P/S Range
Min: 0.11   Max: 46.8
Current: 1.39

0.11
46.8
EV-to-EBIT -483.21
OPHC's EV-to-EBIT is ranked higher than
55% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.47 vs. OPHC: -483.21 )
OPHC' s 10-Year EV-to-EBIT Range
Min: -547.5   Max: 540.6
Current: -483.21

-547.5
540.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.91
OPHC's Price/Tangible Book is ranked higher than
63% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.58 vs. OPHC: 2.91 )
OPHC' s 10-Year Price/Tangible Book Range
Min: 0.26   Max: 18.67
Current: 2.91

0.26
18.67
Price/Median PS Value 0.37
OPHC's Price/Median PS Value is ranked higher than
99% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.21 vs. OPHC: 0.37 )
OPHC' s 10-Year Price/Median PS Value Range
Min: 0.04   Max: 10.83
Current: 0.37

0.04
10.83
Earnings Yield (Greenblatt) -0.20
OPHC's Earnings Yield (Greenblatt) is ranked higher than
52% of the 1996 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. OPHC: -0.20 )
OPHC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.2   Max: 3.4
Current: -0.2

0.2
3.4
Forward Rate of Return (Yacktman) 983.66
OPHC's Forward Rate of Return (Yacktman) is ranked higher than
99% of the 1246 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.25 vs. OPHC: 983.66 )
OPHC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -10.2   Max: 188
Current: 983.66

-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.

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