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OptimumBank HoldingsOPHC +2.01%41 EV-to-OCF is 0.40 as of Sep. 10, 2026, which is 71% below its 10-year median of 1.39. GuruFocus rates OPHC with a GF Score™ of 41/100 and a GF Value™ of $3.72 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,486 Banks companies, OptimumBank Holdings ranks better than 67.43% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, OptimumBank Holdings's Enterprise Value is $10.68 Mil.
OptimumBank Holdings's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was $26.70 Mil. Therefore, OptimumBank Holdings's EV-to-OCF for today is 0.40.
The historical rank and industry rank for OptimumBank Holdings's EV-to-OCF or its related term are showing as below:
OPHC'
s EV-to-OCF Range Over the Past 10 Years
Min: -83.83 Med: 1.39 Max: 1183.85
Current: 0.4
During the past 13 years, the highest EV-to-OCF of OptimumBank Holdings was 1183.85. The lowest was -83.83. And the median was 1.39.
OPHC's EV-to-OCF is ranked better than 67.43% of 1486
companies
in the Banks industry
Industry Median: 4.025
vs OPHC: 0.40
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
OptimumBank Holdings's PE Ratio (TTM) for today is calculated as:
OptimumBank Holdings's share price for today is $9.14.
OptimumBank Holdings's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $0.870.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
OptimumBank Holdings EV-to-OCF Related Terms
OptimumBank Holdings EV-to-OCF Historical Data
* Premium members only.
The historical data trend for OptimumBank Holdings's EV-to-OCF can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, OptimumBank Holdings's EV-to-OCF, along with its competitors' market caps and EV-to-OCF data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
OptimumBank Holdings EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, OptimumBank Holdings's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where OptimumBank Holdings's EV-to-OCF falls into.
OptimumBank Holdings's current Enterprise Value is $10.68 Mil.
OptimumBank Holdings's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $26.70 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
OptimumBank Holdings (OPHC) has a EV-to-OCF of 0.40 as of Sep. 10, 2026. This is 71% below median its historical median of 1.39. According to the industry distribution chart, OptimumBank Holdings ranks #484 out of 1486 companies in the Banks industry, placing it in the top 32.6%.
Is OptimumBank Holdings' EV-to-OCF too high?
OptimumBank Holdings' current EV-to-OCF of 0.40 is 71% below median its 10-year median of 1.39. The Banks industry median EV-to-OCF is 4.03. OptimumBank Holdings' value of 0.40 is 90.1% below this industry median. Based on the distribution chart, OptimumBank Holdings ranks #484 out of 1486 companies in the Banks industry, which is above the industry midpoint. Overall, OptimumBank Holdings has a GF Score™ of 41/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does OptimumBank Holdings' EV-to-OCF compare to BORT and UNIB?
According to the Banks industry distribution chart, OptimumBank Holdings ranks #484 out of 1486 companies for EV-to-OCF. This puts OptimumBank Holdings in the upper half of its industry. The industry median EV-to-OCF is 4.03. OptimumBank Holdings' value of 0.40 is 90.1% below this benchmark. While the company's 10-year median is 1.39 vs. the industry median of 4.03, OptimumBank Holdings has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 4.03, based on 1,486 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. OptimumBank Holdings's current EV-to-OCF of 0.40 is 90.1% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 4.03 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. OptimumBank Holdings's current EV-to-OCF is 0.40, which is 71% below median its own 10-year median of 1.39. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is OptimumBank Holdings stock overvalued right now?
Based on GuruFocus' analysis, OptimumBank Holdings (OPHC) is currently considered Significantly Overvalued. The stock's GF Value™ is $3.72, compared to a current price of $9.14 — trading 145.7% above its estimated fair value. The current EV-to-OCF is 0.40, which is 71% below median its 10-year median of 1.39 and 90.1% below the Banks industry median of 4.03. OptimumBank Holdings' overall GF Score™ is 41/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For OptimumBank Holdings (OPHC), the current EV-to-OCF is 0.40 as of Sep. 10, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is OptimumBank Holdings (OPHC) Overvalued in 2026?
Based on GuruFocus' analysis, OptimumBank Holdings stock appears to be overvalued.
The current stock price of $9.14 is trading 145.7% above its estimated GF Value™ of $3.72.
GuruFocus considers OptimumBank Holdings to be Significantly Overvalued.
Key valuation signals for OPHC:
EV-to-OCF: 0.40 (71% below median its 10-year median of 1.39)
GF Value™: $3.72 vs. price of $9.14 (145.7% above fair value)
Industry Position: 90.1% below the Banks median (#484 of 1486)
No single metric tells the full story. See the OPHC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
OptimumBank Holdings Inc serves as a bank holding company for OptimumBank. The Bank provides community banking services to individuals and corporate customers. The services provided by the bank include demand interest-bearing and non-interest-bearing accounts, negotiable order of withdrawal accounts, borrowings, repayment of loans, money market deposit accounts, debit cards, automated teller machines, and other bank related services.
41GF Score
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