YOLFTbeta
OptimumBank Holdings, Inc.

OptimumBank Holdings, Inc.

OPHC · AMEX · Financial Services / Banks - Regional

9.03USD+0.07 (+0.78%)

Price History

Full chart

Market Stats

Previous Close8.96
Open9.41
Day Range8.65 – 9.41
52-Week Range3.91 – 10.68
Volume117.50K
Market Cap111.78M
P/E (TTM)10.17
Forward P/E6.45
EPS0.87
Dividend Yield0.00%
Beta0.29
50-Day Avg8.64
200-Day Avg6.07

About

OptimumBank Holdings, Inc. operates as the bank holding company for OptimumBank, which provides various consumer and commercial banking services to individuals and businesses. The company accepts interest-bearing and noninterest-bearing, savings, money market, and NOW accounts, as well as time deposits, wire transfers, ACH services, and certificates of deposit. It also offers multi-family real estate, residential and commercial real estate, and land and construction loans; commercial loans for working capital purposes or acquiring equipment, inventory, and furniture; and consumer loans for various purposes, including purchases of automobiles, recreational vehicles, boats, home improvements, lines of credit, personal, and deposit account collateralized loans. In addition, the company provides debit and ATM cards; cash management, notary, and night depository services; and direct deposits, money orders, cashier's checks, domestic collections, and banking by mail. OptimumBank Holdings, Inc. was founded in 2000 and is headquartered in Fort Lauderdale, Florida.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Moishe Gubin CPA
  • Employees98
  • Headquarters2929 East Commercial Boulevard, Fort Lauderdale, FL, United States, 33308, USA
  • Websitehttps://www.optimumbank.com

Leadership

  • Mr. Moishe Gubin CPACEO, Principal Executive Officer & Chairman of the Board · b. 1977
  • Mr. Elliot NunezExecutive VP & CFO · b. 1968
  • Seth DenisonManaging Director of Investor and Corporate Relations
  • Ms. Lesile M. LeggVice President of Bank Operations, Branch Administration & Human Resources
  • Mr. Frank A. NelsonSenior Vice President of Lending

Financials

Income Statement

Currency: USD2000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue191.00K1.16M2.28M3.51M9.51M11.97M14.82M16.52M15.96M14.04M10.18M6.80M5.01M5.06M5.96M4.95M4.62M4.77M4.38M5.36M7.00M11.82M22.84M39.23M64.25M71.13M
Growth (%)-+504.71%+97.40%+54.08%+170.57%+25.92%+23.81%+11.44%-3.34%-12.05%-27.49%-33.20%-26.32%+1.02%+17.82%-17.07%-6.59%+3.20%-8.22%+22.39%+30.77%+68.80%+93.20%+71.75%+63.77%+10.70%
Cost of Revenue186.00K1.04M2.04M3.19M4.17M5.99M8.33M10.18M10.59M24.14M8.51M3.28M4.23M4.11M911.00K884.00K1.08M1.20M-508.00K1.97M2.74M2.16M7.51M16.11M27.16M23.80M
Gross Profit5.00K118.00K243.00K323.00K5.34M5.98M6.49M6.34M5.38M-10.11M1.67M3.52M777.00K949.00K5.05M4.06M3.54M3.57M4.88M3.39M4.26M9.66M15.33M23.12M37.09M47.33M
Gross Margin2.62%10.22%10.66%9.19%56.15%49.95%43.80%38.38%33.69%-71.97%16.39%51.80%15.51%18.75%84.73%82.13%76.65%74.92%111.61%63.27%60.88%81.75%67.11%58.93%57.73%66.53%
Operating Expense230.00K207.00K-568.00K-1.25M2.80M3.40M3.57M3.59M4.54M4.88M9.77M7.23M5.47M7.70M3.45M4.54M3.94M4.16M4.09M4.54M5.05M6.60M9.94M14.66M19.46M25.15M
Operating Income-225.00K-89.00K811.00K1.57M2.54M2.58M2.92M2.75M833.00K-14.98M-8.10M-3.71M-4.70M-6.75M1.60M-483.00K-396.00K-589.00K796.00K-1.15M-782.00K3.07M5.39M8.46M17.63M22.17M
Operating Margin-117.80%-7.71%35.57%44.81%26.68%21.58%19.68%16.62%5.22%-106.71%-79.60%-54.49%-93.73%-133.45%26.91%-9.77%-8.57%-12.35%18.19%-21.51%-11.17%25.96%23.61%21.56%27.44%31.17%
EBITDA-225.00K-89.00K811.00K1.67M2.94M3.00M3.79M3.34M1.03M-14.80M-7.95M-3.60M-4.57M-6.56M1.78M-326.00K-240.00K-440.00K955.00K-890.00K-455.00K3.37M5.96M9.02M18.23M23.05M
EBITDA Margin-117.80%-7.71%35.57%47.62%30.91%25.11%25.57%20.24%6.48%-105.38%-78.05%-52.95%-91.18%-129.53%29.86%-6.59%-5.19%-9.23%21.82%-16.62%-6.50%28.51%26.10%22.98%28.37%32.41%
Net Income-140.00K-55.00K502.00K974.00K1.57M1.60M1.83M1.74M520.00K-11.48M-8.45M-3.75M-4.70M-7.08M1.60M-163.00K-396.00K-589.00K796.00K-1.10M-782.00K6.30M4.02M6.28M13.12M16.65M
Net Income Margin-73.30%-4.76%22.02%27.73%16.52%13.38%12.38%10.55%3.26%-81.77%-83.03%-55.09%-93.73%-139.77%26.91%-3.30%-8.57%-12.35%18.19%-20.54%-11.17%53.25%17.61%16.01%20.43%23.41%
R&D-----------00000000-------
R&D as % of Total Revenue-----------0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%-------
Interest Expense40.00K1.01M1.92M2.99M4.03M5.84M8.06M9.70M9.21M8.35M4.87M3.43M2.58M1.92M911.00K884.00K1.08M1.20M1.25M2.05M1.72M985.00K4.05M12.07M24.94M21.77M
Interest Expense % of Total Revenue20.94%87.45%84.30%85.00%42.42%48.80%54.41%58.73%57.70%59.48%47.80%50.39%51.51%37.91%15.27%17.87%23.35%25.08%28.47%38.20%24.56%8.33%17.71%30.76%38.81%30.60%

Balance Sheet

Currency: USD2000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets13.95M40.80M75.28M135.18M164.56M206.04M225.70M241.55M255.74M269.96M190.31M154.47M143.74M128.78M124.53M127.48M119.70M95.87M100.37M126.75M235.11M351.88M585.22M791.25M932.93M1.11B
Total Liabilities8.39M32.41M61.66M120.28M147.84M187.63M205.28M219.30M232.97M258.67M187.47M147.69M136.83M129.00M121.55M124.51M116.62M93.32M95.06M119.54M217.28M313.37M522.64M721.25M829.75M989.78M
Total Equity5.55M8.40M13.63M14.90M16.72M18.41M20.42M22.25M22.77M11.29M2.83M6.79M6.91M-216.00K2.98M2.97M3.08M2.54M5.31M7.21M17.83M38.51M62.58M70.01M103.18M121.90M
Cash6.48M5.49M3.80M539.00K383.00K502.00K923.00K475.00K1.08M10.06M1.21M6.22M23.61M13.88M12.07M10.37M17.64M11.66M7.98M8.93M54.63M58.97M71.84M76.66M93.63M114.56M
Total Debt--9.50M38.69M47.80M72.65M72.66M90.91M115.66M104.66M37.67M36.85M32.85M27.89M27.89M25.16M28.66M25.66M29.75M16.64M25.99M37.77M22.17M126.25M102.77M52.74M
Net Debt-6.48M-5.49M5.70M38.15M47.42M72.15M71.73M90.43M114.58M94.59M36.46M30.63M9.24M14.01M15.82M14.79M11.02M13.99M21.77M7.71M-28.64M-21.20M-49.66M49.59M9.14M-61.81M

Cash Flow

Currency: USD2002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow-2.74M3.95M2.95M3.76M2.17M3.13M1.20M1.68M-885.00K-2.66M-2.97M1.30M627.00K551.00K570.00K24.00K-558.00K-1.46M3.76M10.36M6.88M15.61M17.84M
Investing Cash Flow--64.06M-28.27M-44.42M-20.73M-16.94M-14.49M6.60M50.99M41.24M10.26M1.14M2.78M-5.70M14.37M17.48M-6.02M-25.32M-62.77M-108.76M-229.80M-199.66M-125.47M-156.68M
Financing Cash Flow-58.06M27.00M39.40M17.42M13.86M13.88M25.77M-75.08M-31.95M-6.76M-7.90M-5.89M3.37M-7.64M-24.02M2.31M26.83M109.93M109.34M232.31M197.61M126.83M159.77M
Capital Expenditure01.46M2.39M218.00K153.00K046.00K33.00K13.00K0343.00K171.00K133.00K24.00K101.00K94.00K234.00K509.00K200.00K381.00K322.00K668.00K988.00K896.00K
Free Cash Flow-1.28M1.56M2.73M3.61M2.17M3.08M1.17M1.67M-885.00K-3.01M-3.14M1.17M603.00K450.00K476.00K-210.00K-1.07M-1.66M3.38M10.04M6.21M14.62M16.95M
Dividends Paid-----1.00K2.00K--00000000-------
FCF to OCF-46.81%39.43%92.61%95.93%100.00%98.53%97.25%99.23%100.00%112.88%105.77%89.79%96.17%81.67%83.51%-875.00%191.22%113.72%89.88%96.89%90.29%93.67%94.98%
Dividend Paid to FCF-----0.05%0.06%--0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%-------

Earnings

Report DateJul 15, 2003Dec 3, 2003Jan 26, 2004Apr 18, 2004Jul 15, 2004Oct 11, 2004Jan 26, 2005Apr 18, 2005Jul 19, 2005Oct 11, 2005Jan 18, 2006Apr 18, 2006Jul 12, 2006Oct 16, 2006May 11, 2007Jul 16, 2007Oct 16, 2007Jan 14, 2008Apr 9, 2008Jul 14, 2008Oct 14, 2008Jan 20, 2009Apr 20, 2009Jul 14, 2009Oct 26, 2009Jan 19, 2010May 14, 2010Aug 16, 2010Dec 31, 2010Mar 31, 2011Jun 30, 2011Sep 30, 2011Dec 31, 2011Mar 31, 2012Jun 30, 2012Sep 30, 2012Dec 31, 2012Mar 31, 2013Jun 30, 2013Sep 30, 2013Dec 31, 2013Mar 31, 2014Jun 30, 2014Sep 30, 2014Dec 31, 2014Mar 31, 2015Jun 30, 2015Sep 30, 2015Dec 31, 2015Mar 31, 2016Jun 30, 2016Sep 30, 2016Dec 31, 2016Mar 31, 2017May 17, 2017Aug 17, 2017Nov 16, 2017Jan 23, 2018May 16, 2018Aug 16, 2018Nov 15, 2018Jan 22, 2019May 15, 2019Aug 15, 2019Nov 14, 2019Jan 21, 2020May 13, 2020Aug 13, 2020Nov 12, 2020Jan 19, 2021May 11, 2021Aug 13, 2021Nov 9, 2021Jan 18, 2022Apr 29, 2022Aug 1, 2022Nov 10, 2022Mar 6, 2023May 10, 2023Aug 9, 2023Nov 9, 2023Feb 5, 2024May 13, 2024Aug 5, 2024Nov 8, 2024Feb 5, 2025May 12, 2025Aug 6, 2025Nov 10, 2025Feb 2, 2026Apr 24, 2026Jul 24, 2026Nov 9, 2026
EPS Estimate-----------------------------------------------------------------------------0.000.00---0.120.150.160.160.170.150.150.200.230.200.25
EPS Actual8.8912.8018.4320.8419.0018.2519.7418.3318.5819.1719.7424.4222.6621.0219.7318.5120.9824.6720.5118.589.69-24.382.83-35.94-15.28-442.18-151.66-103.71-82.40-56.48-96.17-27.60-0.17-1.20-1.15-1.41-3.05-2.74-2.87-0.50-2.920.401.63-0.090.01-0.190.010.05-0.03-0.29-0.050.02-0.08-0.26-0.26-0.15-0.05-0.07-0.241.35-0.13-0.34-0.08-0.23-0.15-0.13-0.11-0.12-0.170.120.110.140.210.960.170.160.110.220.160.180.170.350.310.340.321.330.320.290.180.210.200.28-
Surprise----------------------------------------------------------------------------------159.50%126.67%100.00%731.25%88.24%93.33%20.00%5.00%-13.04%40.00%-
Timing--------------------------------------------------------------------------Pre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursPre-marketPre-marketPre-market--

Key Statistics & Ratios

Market Cap111.78M
Enterprise Value108.42M
Trailing P/E10.17
Forward P/E6.45
PEG Ratio1.03
Price / Sales1.96
Price / Book0.84
EPS0.87
Book Value5.65
Revenue (TTM)56.89M
Gross Profit (TTM)56.89M
Profit Margin36.02%
Operating Margin52.46%
Return on Equity16.68%
Return on Assets1.71%
Shares Outstanding12.63M
Shares Float10.35M
Beta0.29
Dividend Yield0.00%
Dividend Rate0.00
Payout Ratio0.00%

Analyst Ratings

Hold
Based on 1 analystsTarget 10.92
  • Hold
    1

Ownership Breakdown

Institutions
18.78%
Insiders
17.98%
Retail / Other
63.24%

Top Institutional Holders

  • AllianceBernstein L.P.
    583.74K4.62%
  • Wellington Management Company LLP
    431.63K3.42%
  • Vanguard Capital Management, LLC
    344.14K2.73%
  • Renaissance Technologies Corp
    124.60K0.99%
  • Susquehanna International Group, LLP
    119.76K0.95%
  • Morgan Stanley - Brokerage Accounts
    100.00K0.79%
  • Geode Capital Management, LLC
    79.48K0.63%
  • Mink Brook Asset Management LLC
    78.55K0.62%
  • Dimensional Fund Advisors, Inc.
    77.66K0.62%
  • Sparta 24 Ltd.
    73.44K0.58%
  • LPL Financial Corp
    61.60K0.49%
  • Vanguard Fiduciary Trust Co
    56.98K0.45%
  • Citadel Advisors Llc
    42.61K0.34%
  • Bridgeway Capital Management, LLC
    31.60K0.25%
  • Northern Trust Corp
    25.42K0.20%
  • BlackRock Inc
    24.73K0.20%

Top Fund Holders

  • Vanguard MStar Total Stk Mkt Idx Invest
    282.44K2.24%
  • Fidelity Extended Market Index
    53.14K0.42%
  • iShares Micro-Cap ETF
    35.05K0.28%
  • DFA US Targeted Value I
    28.97K0.23%

Dividends

20091×
0.25Jun 9, 2009
20081×
0.41Jun 10, 2008
20071×
0.48Jun 8, 2007
20061×
0.66May 9, 2006

Stock Splits

  • Jan 12, 20161:10
  • Jun 3, 20131:4
  • Nov 8, 20101:4
  • Jun 9, 2009105:100
  • Jun 10, 2008105:100
  • Jun 8, 2007105:100
  • May 9, 2006105:100