OPHC (OptimumBank Holdings) Tariff Resilience Score: 9/10 (As of Sep. 10, 2026)

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OPHC OptimumBank Holdings Inc OPHC
41 GF Score
Price $9.14
GF Value $3.72
Valuation Significantly Overvalued
! 6 Warning Signs
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What is OptimumBank Holdings Tariff Resilience Score?

OptimumBank Holdings OPHC +2.01% 41 Tariff Resilience Score is 9 as of Sep. 10, 2026. 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 1,596 Banks companies, OptimumBank Holdings ranks better than 99.25% on this metric.

OptimumBank Holdings has the Tariff Resilience Score of 9, which implies that the company might have Highly Resilient.

OptimumBank Holdings has Regional bank with operations focused in the U.S. Minimal exposure to international trade tariffs as the business model is not reliant on global supply chains or imports.

Tariff Resilience Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more.

The company's exposure to international trade tariffs based on these criteria:

1. Global supply chain dependencies
2. Manufacturing locations versus sales markets
3. Import/export balance and percentage of revenue
4. Historical impact from previous tariff changes
5. Available mitigation strategies (alternative suppliers, pricing power)
6. Industry-specific tariff exemptions or vulnerabilities

Based on the research, GuruFocus believes OptimumBank Holdings might have Highly Resilient.

OptimumBank Holdings  (AMEX:OPHC) Tariff Resilience Score Explanation

The Tariff Resilience Score ranges from 0 to 10, with 10 as the most resilient. GuruFocus divided Moat Score into following 3 categories:

Tariff Resilience Score Resilience Level
7 - 10Highly Resilient
4 - 6Average Resilient
0 - 3Highly Vulnerable

OptimumBank Holdings Tariff Resilience Score Related Terms

OPHC vs BORT, UNIB, BYFC: Tariff Resilience Score Comparison

For the Banks - Regional subindustry, OptimumBank Holdings's Tariff Resilience Score, along with its competitors' market caps and Tariff Resilience Score 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 Tariff Resilience Score vs Banks Industry

For the Banks industry and Financial Services sector, OptimumBank Holdings's Tariff Resilience Score distribution charts can be found below:

* The bar in red indicates where OptimumBank Holdings's Tariff Resilience Score falls into.


OPHC
41GF Score
OptimumBank Holdings Inc OPHC
Tariff Resilience Score is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a Tariff Resilience Score of 9 mean?
OptimumBank Holdings (OPHC) has a Tariff Resilience Score of 9 as of Sep. 10, 2026. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. According to the industry distribution chart, OptimumBank Holdings ranks #12 out of 1596 companies in the Banks industry, placing it in the top 0.8%.
Is OptimumBank Holdings' Tariff Resilience Score too high?
OptimumBank Holdings' current Tariff Resilience Score is 9. Based on the distribution chart, OptimumBank Holdings ranks #12 out of 1596 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' Tariff Resilience Score compare to BORT and UNIB?
According to the Banks industry distribution chart, OptimumBank Holdings ranks #12 out of 1596 companies for Tariff Resilience Score. This places OptimumBank Holdings in the top 1% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Tariff Resilience Score for a Banks company?
A good Tariff Resilience Score depends on the Banks industry context. However, Tariff Resilience Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Tariff Resilience Score mean?
A high Tariff Resilience Score can signal that a stock is expensive relative to its fundamentals. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. OptimumBank Holdings's current Tariff Resilience Score is 9. 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 Tariff Resilience Score is 9. 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 Tariff Resilience Score calculated?
Tariff Resilience Score is calculated from a company's financial statements. For OptimumBank Holdings (OPHC), the current Tariff Resilience Score is 9 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:

  • Tariff Resilience Score: 9
  • GF Value™: $3.72 vs. price of $9.14 (145.7% above fair value)
  • GF Score™: 41/100 with 6 warning signs

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 Business Description

Address 2929 East Commercial Boulevard, Suite 303, Fort Lauderdale, FL, USA, 33308
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

Get the complete analysis for OPHC

Tariff Resilience Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$9.14
Price
$3.72
GF Value