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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 : 6/10

vs
industry
vs
history
Cash-to-Debt 0.69
OPHC's Cash-to-Debt is ranked lower than
71% of the 1592 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.23 vs. OPHC: 0.69 )
Ranked among companies with meaningful Cash-to-Debt only.
OPHC' s Cash-to-Debt Range Over the Past 10 Years
Min: 0  Med: 0.15 Max: N/A
Current: 0.69
Equity-to-Asset 0.02
OPHC's Equity-to-Asset is ranked lower than
99% of the 1591 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 Equity-to-Asset Range Over the Past 10 Years
Min: -0.01  Med: 0.04 Max: 0.11
Current: 0.02
-0.01
0.11
Beneish M-Score: -2.64
WACC vs ROIC
2.56%
-2.58%
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 : 1/10

vs
industry
vs
history
Operating Margin % -11.51
OPHC's Operating Margin % is ranked lower than
95% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.37 vs. OPHC: -11.51 )
Ranked among companies with meaningful Operating Margin % only.
OPHC' s Operating Margin % Range Over the Past 10 Years
Min: -271.91  Med: -60.87 Max: 40.28
Current: -11.51
-271.91
40.28
Net Margin % -11.51
OPHC's Net Margin % is ranked lower than
94% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.70 vs. OPHC: -11.51 )
Ranked among companies with meaningful Net Margin % only.
OPHC' s Net Margin % Range Over the Past 10 Years
Min: -225.1  Med: -61.12 Max: 31.76
Current: -11.51
-225.1
31.76
ROE % -12.65
OPHC's ROE % is ranked lower than
96% of the 1603 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.58 vs. OPHC: -12.65 )
Ranked among companies with meaningful ROE % only.
OPHC' s ROE % Range Over the Past 10 Years
Min: -211.38  Med: -40.27 Max: 116.18
Current: -12.65
-211.38
116.18
ROA % -0.33
OPHC's ROA % is ranked lower than
93% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. OPHC: -0.33 )
Ranked among companies with meaningful ROA % only.
OPHC' s ROA % Range Over the Past 10 Years
Min: -5.19  Med: -1.25 Max: 1.27
Current: -0.33
-5.19
1.27
3-Year Revenue Growth Rate -5.00
OPHC's 3-Year Revenue Growth Rate is ranked lower than
84% of the 1354 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. OPHC: -5.00 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
OPHC' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -75.4  Med: -2.05 Max: 193
Current: -5
-75.4
193
3-Year EBITDA Growth Rate -69.70
OPHC's 3-Year EBITDA Growth Rate is ranked lower than
99% of the 1256 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. OPHC: -69.70 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
OPHC' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -79.8  Med: -61.7 Max: 71.7
Current: -69.7
-79.8
71.7
3-Year EPS without NRI Growth Rate -65.00
OPHC's 3-Year EPS without NRI Growth Rate is ranked lower than
98% of the 1226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. OPHC: -65.00 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
OPHC' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -76.9  Med: -47.9 Max: 34.5
Current: -65
-76.9
34.5
GuruFocus has detected 1 Warning Sign with OptimumBank Holdings Inc $OPHC.
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» OPHC's 30-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6021
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Headquarter Location:USA
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
Price-to-Owner-Earnings 67.38
OPHC's Price-to-Owner-Earnings is ranked lower than
99.99% of the 882 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.21 vs. OPHC: 67.38 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
OPHC' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 2.17  Med: 47.04 Max: 132.91
Current: 67.38
2.17
132.91
PB Ratio 1.10
OPHC's PB Ratio is ranked higher than
55% of the 1611 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. OPHC: 1.10 )
Ranked among companies with meaningful PB Ratio only.
OPHC' s PB Ratio Range Over the Past 10 Years
Min: 0.24  Med: 1.42 Max: 25.36
Current: 1.1
0.24
25.36
PS Ratio 0.87
OPHC's PS Ratio is ranked higher than
93% of the 1586 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.40 vs. OPHC: 0.87 )
Ranked among companies with meaningful PS Ratio only.
OPHC' s PS Ratio Range Over the Past 10 Years
Min: 0.1  Med: 1.78 Max: 16.22
Current: 0.87
0.1
16.22
Price-to-Free-Cash-Flow 7.05
OPHC's Price-to-Free-Cash-Flow is ranked higher than
67% of the 870 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.33 vs. OPHC: 7.05 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
OPHC' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 0.44  Med: 8.07 Max: 636.67
Current: 7.05
0.44
636.67
Price-to-Operating-Cash-Flow 5.82
OPHC's Price-to-Operating-Cash-Flow is ranked higher than
67% of the 940 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.82 vs. OPHC: 5.82 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
OPHC' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 0.43  Med: 7.5 Max: 56.18
Current: 5.82
0.43
56.18
EV-to-EBIT -27.30
OPHC's EV-to-EBIT is ranked lower than
99.99% of the 1668 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.52 vs. OPHC: -27.30 )
Ranked among companies with meaningful EV-to-EBIT only.
OPHC' s EV-to-EBIT Range Over the Past 10 Years
Min: -93.6  Med: -6.1 Max: 539.2
Current: -27.3
-93.6
539.2
EV-to-EBITDA -44.53
OPHC's EV-to-EBITDA is ranked lower than
99.99% of the 1685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.29 vs. OPHC: -44.53 )
Ranked among companies with meaningful EV-to-EBITDA only.
OPHC' s EV-to-EBITDA Range Over the Past 10 Years
Min: -292.9  Med: -6.2 Max: 505.2
Current: -44.53
-292.9
505.2

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio -11.20
OPHC's 3-Year Average Share Buyback Ratio is ranked lower than
79% of the 1042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. OPHC: -11.20 )
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: -9.45 Max: 0
Current: -11.2
-242
0

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.11
OPHC's Price-to-Tangible-Book is ranked higher than
58% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. OPHC: 1.11 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
OPHC' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.27  Med: 1.51 Max: 20.44
Current: 1.11
0.27
20.44
Price-to-Median-PS-Value 0.49
OPHC's Price-to-Median-PS-Value is ranked higher than
96% of the 1462 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. OPHC: 0.49 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
OPHC' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.08  Med: 1.6 Max: 63.89
Current: 0.49
0.08
63.89
Earnings Yield (Greenblatt) % -3.66
OPHC's Earnings Yield (Greenblatt) % is ranked lower than
78% of the 2207 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.95 vs. OPHC: -3.66 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
OPHC' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -3.66  Med: 2 Max: 6.7
Current: -3.66
-3.66
6.7

More Statistics

Revenue (TTM) (Mil) $3.50
EPS (TTM) $ -0.37
Beta-0.10
Short Percentage of Float0.19%
52-Week Range $2.11 - 6.45
Shares Outstanding (Mil)1.10

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