Highlights
- EPS (TTM)
- $1.28
- PE Ratio
- 3.98
- PEG Ratio
- 0.50
- Total Revenue (TTM)
- $68.67M
- Gross Profit (TTM)
- $43.82M
- EBITDA (TTM)
- $21.78M
- Year Range
- $3.53 - $5.59
- ROA (TTM)
- 1.42%
- ROE (TTM)
- 12.92%
Share Price Chart
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Performance
Performance Chart
The chart shows the growth of an initial investment of $10,000 in OptimumBank Holdings, Inc., comparing it to the performance of the S&P 500 index or another benchmark. All prices have been adjusted for splits and dividends.
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Returns By Period
OptimumBank Holdings, Inc. (OPHC) has returned 20.00% so far this year and 24.09% over the past 12 months. Over the last ten years, OPHC has returned 0.22% per year, falling short of the S&P 500 Index benchmark, which averaged 12.16% annually.
OptimumBank Holdings, Inc.
- 1D
- -2.30%
- 1M
- -4.14%
- YTD
- 20.00%
- 6M
- 24.39%
- 1Y
- 24.09%
- 3Y*
- 15.50%
- 5Y*
- 5.35%
- 10Y*
- 0.22%
Benchmark (S&P 500 Index)
- 1D
- 2.91%
- 1M
- -5.09%
- YTD
- -4.63%
- 6M
- -2.39%
- 1Y
- 16.33%
- 3Y*
- 16.69%
- 5Y*
- 10.18%
- 10Y*
- 12.16%
Monthly Returns
Based on dividend-adjusted daily data since Jun 23, 2003, OPHC's average daily return is +0.20%, while the average monthly return is +0.63%. At this rate, your investment would double in approximately 9.2 years.
Historically, 45% of months were positive and 55% were negative. The best month was Mar 2012 with a return of +357.1%, while the worst month was May 2012 at -73.1%. The longest winning streak lasted 5 consecutive months, and the longest losing streak was 9 months.
On a daily basis, OPHC closed higher 33% of trading days. The best single day was Jun 4, 2013 with a return of +322.5%, while the worst single day was Jun 3, 2013 at -75.2%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 10.82% | 12.95% | -4.14% | 20.00% | |||||||||
| 2025 | -4.20% | -3.51% | -6.59% | 5.35% | 1.62% | 1.59% | 0.67% | -5.56% | -3.53% | -0.24% | 1.47% | 2.41% | -10.71% |
| 2024 | 5.94% | -0.68% | -2.50% | -0.93% | 5.88% | -4.44% | 3.72% | 2.02% | 0.44% | 4.16% | 0.21% | -0.21% | 13.83% |
| 2023 | 0.98% | -4.24% | -16.31% | -9.06% | -4.19% | -0.14% | 9.38% | -1.27% | 2.27% | -0.65% | 7.28% | 23.36% | 2.24% |
| 2022 | 1.78% | 1.00% | 4.21% | -2.61% | 4.88% | -6.98% | -5.00% | 9.21% | -1.93% | 4.67% | 4.46% | -8.09% | 4.07% |
| 2021 | 8.61% | 2.46% | 3.20% | -4.13% | 0.27% | 29.68% | 43.24% | -27.50% | 3.39% | 1.35% | -20.00% | -6.43% | 16.62% |
Benchmark Metrics
OptimumBank Holdings, Inc. has an annualized alpha of 63.98%, beta of 0.17, and R² of 0.00 versus S&P 500 Index. Calculated based on daily prices since June 24, 2003.
- This stock participated in 150.10% of S&P 500 Index downside but only 10.44% of its upside — more exposed to losses than it benefited from rallies.
- Beta of 0.17 may look defensive, but with R² of 0.00 this stock is largely uncorrelated with S&P 500 Index — low beta reflects independence, not downside protection. See the Volatility section for a true picture of this stock's risk.
- R² of 0.00 means this stock moves largely independently of S&P 500 Index — capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.
- Alpha
- 63.98%
- Beta
- 0.17
- R²
- 0.00
- Upside Capture
- 10.44%
- Downside Capture
- 150.10%
Return for Risk
Risk / Return Rank
OPHC ranks 65 for risk / return — better than 65% of stocks on our site. You're getting solid returns for the risk taken. A good sign, especially for investors who want growth without excessive volatility.
Return / Risk — by metrics
The table below present risk-adjusted performance metrics for OptimumBank Holdings, Inc. (OPHC) and compare them to a chosen benchmark (S&P 500 Index).
| OPHC | Benchmark | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 0.82 | 0.90 | -0.08 |
Sortino ratioReturn per unit of downside risk | 1.31 | 1.39 | -0.08 |
Omega ratioGain probability vs. loss probability | 1.18 | 1.21 | -0.03 |
Calmar ratioReturn relative to maximum drawdown | 1.23 | 1.40 | -0.17 |
Martin ratioReturn relative to average drawdown | 2.41 | 6.61 | -4.20 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
Explore OPHC risk-adjusted metrics in detail
Dive deeper into individual metrics with historical trends, benchmark comparisons, and performance across different time periods.
Dividends
Dividend History
Drawdowns
Drawdowns Chart
The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.
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Worst Drawdowns
The table below displays the maximum drawdowns of the OptimumBank Holdings, Inc.. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.
The maximum drawdown for the OptimumBank Holdings, Inc. was 99.90%, occurring on Jun 3, 2020. The portfolio has not yet recovered.
The current OptimumBank Holdings, Inc. drawdown is 99.72%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -99.9% | May 15, 2006 | 3538 | Jun 3, 2020 | — | — | — |
| -26.67% | Jan 5, 2005 | 181 | Sep 22, 2005 | 152 | May 2, 2006 | 333 |
| -23.49% | May 20, 2004 | 29 | Jul 1, 2004 | 122 | Dec 23, 2004 | 151 |
| -16.67% | Jul 7, 2003 | 49 | Sep 12, 2003 | 152 | Apr 21, 2004 | 201 |
| -2.91% | Dec 27, 2004 | 2 | Dec 28, 2004 | 4 | Jan 3, 2005 | 6 |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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Financials
Financial Performance
The chart below illustrates the trends in the financial health of OptimumBank Holdings, Inc. over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.
Valuation
The Valuation section provides an overview of how OptimumBank Holdings, Inc. is priced in the market compared to other companies in the Banks - Regional industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.
PE Ratio
The chart displays the Price-to-Earnings (P/E) ratio for OPHC, comparing it with other companies in the Banks - Regional industry. Currently, OPHC has a P/E ratio of 4.0. This P/E ratio is considered low compared to industry peers, which may suggest that the stock is undervalued or that the company has weaker growth prospects.
PEG Ratio
The chart shows the Price/Earnings to Growth (PEG) ratio for OPHC compared to other companies in the Banks - Regional industry. OPHC currently has a PEG ratio of 0.5. This PEG ratio is close to the industry average, suggesting the stock’s valuation is balanced against its growth outlook.
PS Ratio
This chart shows the Price-to-Sales (P/S) ratio for OPHC relative to other companies in the Banks - Regional industry. Currently, OPHC has a P/S ratio of 0.9. This P/S ratio is low compared to the industry average. It may indicate that the stock is undervalued relative to its revenue, or that the market expects slower growth or lower margins.
Income Statement
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