OptimumBank Holdings Inc. Common Stock (OPHC)

FairStock Score: 80/100 — HIGH CONVICTION

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I see OptimumBank as a small, growing regional bank, not a business with a wide moat. It takes deposits and makes commercial and real-estate loans, and its filed results show net income of $6.3 million in fiscal 2023, $13.1 million in fiscal 2024, and $16.6 million in fiscal 2025. In fiscal Q2 2026, the quarter ended 2026-06-30, net income was $6.7 million versus $3.6 million in fiscal Q2 2025. That is real growth, and FairStock's 16.68% ROE suggests the bank is earning well on equity. At the 2026-10-13 close, FairStock calculates a P/E of 10.10, P/B of 1.56, and PEG of 0.49; these are undemanding if growth persists. But a bank is a leveraged, trust-based business. The data does not include CET1 capital, net interest margin, nonperforming loans, charge-offs, or loan-loss reserves. A combined ratio is not meaningful for a bank and is also absent. Without those, I cannot judge credit or liquidity risk. The 6/9 Piotroski score is acceptable but not exceptional. Diluted EPS was $0.87 in fiscal 2023, $0.63 in fiscal 2024, and $0.71 in fiscal 2025, so per-share progress has not matched net income growth, likely because of share count changes. At 1.56 times book, the market already pays a premium for a small, thinly followed bank. My conclusion: a reasonably priced, fast-growing stalwart with a narrow moat, but only if credit quality and capital remain sound.

In plain English: OptimumBank is a small bank holding company: it takes deposits and makes loans to individuals and businesses. Profits have grown quickly and the bank earns a solid return on shareholders' money, but it is very small and important banking risks like loan quality and capital strength are not shown in the data. At $8.79, the price looks inexpensive next to yearly profit, but it is above the value of its net assets.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer