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OPHC
$5.57+0.11 (+2.01%)
Market ClosedLast close May 1
OptimumBank Holdings, Inc.
Historical Price
Price (Candle)
50-Day SMA
200-Day SMA
Whystock Brain
The Narrative
OptimumBank Holdings, Inc. in the Financial Services sector is trading at $5.57. The stock is currently near its 52-week high of $5.60, remaining 21.6% above its 200-day moving average. Technical signals show overbought RSI of 72 and bullish MACD crossover, explaining why OPHC maintains its current momentum and trend strength. The Whystock Score of 65/100 suggests a balanced risk-reward profile.
Ecosystem Influences
Overbought levels (RSI 72) — risk of consolidation or pullback
Long-term trend bullish (Price vs 200-day SMA)
Macro-economic sensitivity to interest rate and inflation shifts
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Peer Comparison
JPMBACGS
Whystock Valuation Model
Whystock fair value is estimated using a trailing P/E model adjusted for return on equity: Fair P/E = 18 + (ROE × 20). Fair Value = (Current Price ÷ Trailing P/E) × Fair P/E. A base P/E of 18 represents a typical market multiple, scaled upward for companies that earn high returns on equity. The result is a theoretical "normalised" price — not a price target or investment advice. Large deviations are common for high-growth or loss-making companies.
Current Price$5.57
Potential Upside
171.1%
Whystock Fair Value$15.10
Price
UndervaluedFair ValueOvervalued
Simplified model based on P/E and ROE. Not a substitute for full valuation analysis. Data may be delayed. See our Terms.
Fundamentals
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, mon...
Market Cap
Total dollar market value of a company's outstanding shares of stock (Price * Shares).
$66.06M
P/E Ratio
Value territory. Trading at a high yield relative to earnings.
7.65
Beta
Defensive asset. Lower volatility than the S&P 500.
0.28
Div Yield
Low to zero yield. Return is entirely dependent on price appreciation.
0.00%
ROE
Average efficiency. Growth may require heavy reinvestment.
13.66%
Volume
Today's trading volume
69,472
Recent News
OptimumBank Holdings Inc (OPHC) Q4 2025 Earnings Call Highlights: Record Growth and Strategic ...
OptimumBank Holdings Inc (OPHC) reports robust earnings and asset growth, with strategic moves into new lending areas poised to drive future success.
3 Penny Stocks With Market Caps Over $50M To Watch
As February begins, major U.S. stock indexes have surged, with the Dow Jones Industrial Average adding 515 points and the S&P 500 nearing record highs. This optimistic start to the month highlights a market environment where investors are keenly exploring opportunities across various sectors. Though often seen as a relic of past trading days, penny stocks still represent significant growth potential, particularly when they come from smaller or newer companies with strong financial foundations.
OptimumBank Holdings Inc (OPHC) Q3 2025 Earnings Call Highlights: Record Earnings and Strategic ...
OptimumBank Holdings Inc (OPHC) reports its strongest quarter ever with significant net earnings growth and strategic plans for future expansion.
OptimumBank Holdings Inc. (OPHC) Choses IBN to Lead Its Corporate Communications Strategy
With significant hedge fund interest, OptimumBank Holdings Inc. (NYSE:OPHC) secures a spot on our list of the 10 Best Bank Penny Stocks to Buy Right Now. On September 16, 2025, OptimumBank Holdings Inc. (NYSE:OPHC) announced that it has chosen IBN, a multifaceted financial news and publishing company, to lead its corporate communications strategy. With IBN’s […]