OPHC Stock - OptimumBank Holdings, Inc.
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Financial Statements
| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Revenue | $64.25M | $39.23M | $22.84M | $11.82M | $7.00M |
| Gross Profit | $37.09M | $23.12M | $15.33M | $9.66M | $4.26M |
| Gross Margin | 57.7% | 58.9% | 67.1% | 81.7% | 60.9% |
| Operating Income | $17.63M | $8.46M | $5.39M | $3.07M | $-782,000 |
| Net Income | $13.12M | $6.28M | $4.02M | $6.30M | $-782,000 |
| Net Margin | 20.4% | 16.0% | 17.6% | 53.3% | -11.2% |
| EPS | $1.39 | $0.87 | $0.68 | $1.61 | $-0.27 |
OptimumBank Holdings, Inc. operates as the bank holding company for OptimumBank that provides various consumer and commercial banking services to individuals and businesses. It accepts demand interest-bearing and noninterest-bearing, savings, money market, NOW, and time deposit accounts, as well as certificates of deposit; and offers residential and commercial real estate, multi-family real estate, commercial, land and construction, and consumer loans, as well as lending lines for working capital needs. The company also provides debit and ATM cards; investment, cash management, notary, and night depository services; and direct deposits, money orders, cashier's checks, domestic collections, and banking by mail, as well as internet banking services. It operates through two banking offices located in Broward County, Florida. The company was founded in 2000 and is based in Fort Lauderdale, Florida.
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Price Targets
Recent Analyst Actions
| Date | Firm | Action | Rating | Price Target |
|---|---|---|---|---|
| May 23rd 2024 | Compass Point | Initiation | Neutral | $5.25 |
Earnings History & Surprises
OPHCEPS Surprise History
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q2 2026 | May 11, 2026 | — | — | — | — |
Q1 2026 | Feb 5, 2026 | $-0.03 | — | — | — |
Q4 2025 | Nov 10, 2025 | — | $0.18 | — | — |
Q2 2025 | May 12, 2025 | $0.17 | $0.32 | +88.2% | ✓ BEAT |
Q1 2025 | Feb 26, 2025 | $0.17 | $0.35 | +105.9% | ✓ BEAT |
Q4 2024 | Nov 8, 2024 | $0.16 | $0.32 | +100.0% | ✓ BEAT |
Q3 2024 | Aug 5, 2024 | $0.15 | $0.34 | +126.7% | ✓ BEAT |
Q2 2024 | May 13, 2024 | — | $0.31 | — | — |
Q1 2024 | Mar 8, 2024 | — | $0.35 | — | — |
Q4 2023 | Nov 9, 2023 | — | $0.18 | — | — |
Q3 2023 | Aug 9, 2023 | — | $0.18 | — | — |
Q2 2023 | May 11, 2023 | — | $0.16 | — | — |
Q1 2023 | Mar 6, 2023 | — | $0.24 | — | — |
Q4 2022 | Nov 11, 2022 | — | $0.11 | — | — |
Q3 2022 | Aug 8, 2022 | — | $0.16 | — | — |
Q2 2022 | May 11, 2022 | — | $0.17 | — | — |
Q1 2022 | Mar 8, 2022 | — | $1.14 | — | — |
Q4 2021 | Nov 9, 2021 | — | $0.21 | — | — |
Q3 2021 | Aug 11, 2021 | — | $0.14 | — | — |
Q2 2021 | May 12, 2021 | — | $0.11 | — | — |
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