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OptimumBank Holdings

OPHC
84
Banks - Regional · Financial Services
Price
$9.30
+0.08 (+0.87%)
Market Cap
$113.1M
Exchange
New York Stock Exchange American
Winston Score
84
Winston is happy
A high-quality business with solid fundamentals.
Data as of Aug 23, 2026 · filings through Jun 30, 2026
How the score breaks down
Bank Quality
Exceptional
Growth
Exceptional
Capital Strength
Strong
Asset Quality
Exceptional
Valuation
Good
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Share count rising — dilution

+214.9% over 4y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 3.9M (2021) → 12.3M (2025)

Winston Score History

The full picture

OptimumBank Holdings is a small community bank based in Fort Lauderdale, Florida. It operates through its subsidiary, OptimumBank, offering everyday banking services like checking and savings accounts, personal loans, and mortgages. Its main customers are individuals and small businesses in South Florida.

The bank makes money the traditional way — it takes in deposits and lends that money out at higher interest rates, earning the difference. OptimumBank is a very small institution with around $100 million in market value, competing against much larger regional and national banks in a crowded Florida market. Its size gives it flexibility to serve local customers but also leaves it exposed to interest rate swings, which directly affect how much profit it earns on loans. Growing its loan book and deposit base in a competitive market remains the key challenge for the bank going forward.

Growth Profile

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+14.5% YoY

YoY Growth Rate

Steady revenue growth

EPS Growth

+29.0% YoY

YoY Growth Rate

EPS growth accelerating

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

21.9%ownership

Insiders own a meaningful stake in the company

Cash Position

Cash flow positive

$41M cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Growth + cash flow

OptimumBank Holdings is a rare growth stock that's already generating positive cash flow while growing at 14%. The Winston Score doesn't fully credit this transition from "burner" to "earner."

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Bank Quality

Return on owners' money
Return on Equity
16.4%
no trend
Exceptional — 16.4% return on equity

15-25% on shareholder equity is strong — clearly beating cost of capital.

Profit on lending
Net Interest Margin
4.56%
no trend
Wide spread — 4.56% net interest margin
Cost of running the bank
Efficiency Ratio
49.8%
no trend
Very lean — spends 49.8¢ to earn a dollar

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Growth

Sales growth
Sales YoY
+17.7%
Fast-growing sales (+17.7% YoY)
Profit growth
EPS YoY
+15.4%
Earnings growing fast (+15.4% YoY)

Healthy double-digit earnings growth — what compounders look like.

How steady the profit is
EPS Consistency
7/8 quarters
Every recent quarter grew earnings vs last year

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Capital Strength

Safety cushion
Capital Ratio
10.7%
no trend
Very well capitalised — 10.7% Tier-1 leverage

A solid capital cushion. The bank can take some loan losses and keep going.

Asset Quality

Loans not being repaid
Non-Performing Loans
0.20%
no trend
Clean loan book — 0.20% non-performing

Under half a percent of loans are going bad. A very clean loan book.

Loans written off
Net Charge-Offs
0.00%
no trend
Minimal losses — 0.00% net charge-offs

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Valuation

Price vs profit
P/E Ratio (TTM)
5.9x
Attractive valuation — P/E 5.9

P/E under 10. The price tag is small relative to last year's profit.

Cheaper or dearer next year
P/E vs Forward
-1.4
SLOWING
Earnings expected to fall — forward P/E higher than today

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Dividends

Not applicable for this business.
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