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OptimumBank HoldingsOPHC +2.01%41 FCF Yield % is 22.08 as of Sep. 10, 2026, which is 75% above its 10-year median of 12.60. 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 1,489 Banks companies, OptimumBank Holdings ranks better than 77.9% on this metric.
FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
OptimumBank Holdings FCF Yield % Related Terms
OptimumBank Holdings FCF Yield % Historical Data
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The historical data trend for OptimumBank Holdings's FCF Yield % 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 FCF Yield %, along with its competitors' market caps and FCF Yield % 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 FCF Yield % vs Banks Industry
For the Banks industry and Financial Services sector, OptimumBank Holdings's FCF Yield % distribution charts can be found below:
* The bar in red indicates where OptimumBank Holdings's FCF Yield % falls into.
* 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 FCF Yield % of 22.08 as of Sep. 10, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on OptimumBank Holdings and its competitors. This is 75% above median its historical median of 12.60. According to the industry distribution chart, OptimumBank Holdings ranks #329 out of 1489 companies in the Banks industry, placing it in the top 22.1%.
Is OptimumBank Holdings' FCF Yield % too high?
OptimumBank Holdings' current FCF Yield % of 22.08 is 75% above median its 10-year median of 12.60. The Banks industry median FCF Yield % is 8.29. OptimumBank Holdings' value of 22.08 is 166.3% above this industry median. Based on the distribution chart, OptimumBank Holdings ranks #329 out of 1489 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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' FCF Yield % compare to BORT and UNIB?
According to the Banks industry distribution chart, OptimumBank Holdings ranks #329 out of 1489 companies for FCF Yield %. This places OptimumBank Holdings in the top 22% of its industry — outperforming the majority of peers. The industry median FCF Yield % is 8.29. OptimumBank Holdings' value of 22.08 is 166.3% above this benchmark. While the company's 10-year median is 12.60 vs. the industry median of 8.29, OptimumBank Holdings has consistently been above 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 FCF Yield % for a Banks company?
The median FCF Yield % among Banks companies is 8.29, based on 1,489 companies in the industry. Companies in the top quartile (top 25%) have a FCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, FCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. OptimumBank Holdings's current FCF Yield % of 22.08 is 166.3% above 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 FCF Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on OptimumBank Holdings and its competitors. For the Banks industry, the median FCF Yield % is 8.29 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. OptimumBank Holdings's current FCF Yield % is 22.08, which is 75% above median its own 10-year median of 12.60. 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 FCF Yield % is 22.08, which is 75% above median its 10-year median of 12.60 and 166.3% above the Banks industry median of 8.29. 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 FCF Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For OptimumBank Holdings (OPHC), the current FCF Yield % is 22.08 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:
FCF Yield %: 22.08 (75% above median its 10-year median of 12.60)
GF Value™: $3.72 vs. price of $9.14 (145.7% above fair value)
Industry Position: 166.3% above the Banks median (#329 of 1489)
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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FCF Yield % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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