OPHCFinancial Services · Banks - RegionalThe 3 Wall Street analysts covering OptimumBank Holdings, Inc. hold a median 12-month price target of $11 — +26.4% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 78 of 100 as at 8 Oct 2026 — inside the top quartile. Here, the model and the Street point the same way.
Consensus tells you what everyone already believes. The model scores OptimumBank Holdings, Inc. on its factor families — the same systematic rank behind the Ticker Nerd portfolio.
Percentile across ~4,600 US stocks on Ticker Nerd’s systematic factor model. Higher is better. How the model is built and tested
Momentum (98): The shares have been drifting up relative to others.
Issuance (12): The company has been issuing shares or taking on financing, diluting existing holders.
Built and run by Aslam Ghouse, an ex-Goldman Sachs quant trader with fourteen years in markets.
The bullish and bearish analyst opinions on OPHC, reported as data — targets and ratings, the market's view beside the model's.
Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.
Data provided by Twelve Data
The green dot is the last close — the median target sits +26.4% from it.
| Date | Firm | Action | Rating | Target |
|---|---|---|---|---|
| 13 May 2026 | Compass Point | Upgrade | Buy | — |
| 7 Apr 2026 | Alliance Global Partners | Initiates | Buy | — |
| 23 May 2024 | Compass Point | Initiates | Neutral | — |
Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.
Computed off the Friday close and sent before the US open.
Market Radar reports the week’s largest rank changes across roughly 4,600 US stocks, the factor behind each one, and where the market went. OPHC appears on the weeks it earns a place.
Both lines are total return — dividends reinvested — so the comparison is honest on both sides.
Over the twelve months to 9 Oct 2026, OptimumBank Holdings, Inc. returned +111.7% against +16.6% for the S&P 500, dividends included.
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Data provided by Twelve Data
Not the forecast itself — the direction analysts are revising it. Revision direction is one of the model's factor families.
A margin means little on its own. Each bar marks where the figure sits across the whole US universe we score.
Cheaper than 57% of US stocks
Cheaper than 52% of US stocks
Cheaper than 51% of US stocks
Higher than 88% of US stocks
Higher than 82% of US stocks
Higher than 97% of US stocks
Higher than 93% of US stocks
Higher than 77% of US stocks
Higher than 56% of US stocks
Higher than 1% of US dividend payers
Bars mark the percentile across the ~4,600 US stocks Ticker Nerd covers, among those reporting the figure.
The headline figures, each with its date. Every row carries its own link — cite it straight from here.
OptimumBank Holdings, Inc. has a market value of $113.9M and an enterprise value of $114.2M.
Revenue in the twelve months to 30 June 2026: $58.8M. The latest quarter grew 56.0% year on year.
Net income over the same four quarters: $20.5M, a 34.9% net margin.
Diluted earnings per share, trailing twelve months: $0.87.
Free cash flow in the twelve months to 30 June 2026: $25.5M.
Trailing P/E: 10.4×; forward P/E: 6.7× — the forward figure prices analyst consensus estimates, not reported earnings.
Forward dividend yield: 0.00%, paying out 0% of earnings.
OptimumBank Holdings, Inc. employs 98 people — $600K of revenue per employee.
Data provided by Twelve Data
The nearest names by industry and size, scored by the same model — like for like.
| Company | Market cap | TKN rank |
|---|---|---|
| OPHCOptimumBank Holdings, Inc. | $113.9M | 78 |
| PBHCPathfinder Bancorp, Inc. | $108.1M | 31 |
| SFBCSound Financial Bancorp, Inc. | $112.3M | 47 |
| BYFCBroadway Financial Corp. (California) | $107.0M | 29 |
| UNBUnion Bankshares, Inc. (Vermont) | $113.8M | 33 |
| WSBKWinchester Bancorp, Inc. | $115.6M | 23 |
| PNBKPatriot National Bancorp, Inc. | $102.6M | 14 |
Look up any of the roughly 4,600 stocks we score.
The rank is the raw material. Whether the rules would actually own OptimumBank Holdings, Inc. — and when they’d sell — is the membership. See the Ticker Nerd 20 →
Zacks Investment Research highlighted OptimumBank Holdings alongside Interface, QuinStreet and Vince Holding, citing rising cash flows and improving earnings estimates in a feature about stocks it described as worth buying.
Why it matters — The article specifically includes OPHC among companies associated with rising cash flows and improving earnings estimates.
On September 22nd, 2026, OptimumBank Holdings, Inc. (OPHC) was added to the Zacks Rank #1 (Strong Buy) List, alongside NMR, KALU, MOV, and ECO, according to Zacks Investment Research.
Why it matters — This highlights that Zacks' quantitative ranking system has assigned OPHC its highest bullish rating, which stock watchers may consider a notable indicator of the bank's current outlook.
On September 22nd, 2026, OPHC was named to the Zacks Rank #1 (Strong Buy) value stocks list alongside BHC and TRVG, based on a Zacks Investment Research article.
Why it matters — The inclusion on a Zacks Strong Buy value-stocks list signals analyst recognition of OPHC as a value opportunity, which OPHC watchers would find relevant.
Zacks Investment Research identified OptimumBank (OPHC) as passing its "Recent Price Strength" screen, indicating the stock is well positioned to maintain its recent uptrend. This highlights the stock's favorable recent price momentum.
Why it matters — OPHC watchers would care because the screening result signals that the stock's recent price momentum may continue, offering insight into its market positioning.
On September 18th, 2026, Zacks Investment Research added OPHC, along with PGY, PDEX, TRV and HMN, to its Zacks Rank #1 (Strong Buy) List, as reported in the item "New Strong Buy Stocks for September 18th."
Why it matters — OPHC watchers would care because the company has been included on a widely followed strong-buy list, indicating an improved rating from Zacks Investment Research.
The 3 Wall Street analysts covering OptimumBank Holdings, Inc. have a median 12-month price target of $11, with estimates ranging from $11 to $11. These are third-party analyst estimates, not Ticker Nerd forecasts, and they are frequently wrong.
Of the 3 analysts covering OptimumBank Holdings, Inc., 3 rate it a Buy, 0 a Hold and 0 a Sell. Ticker Nerd's systematic factor model ranks OptimumBank Holdings, Inc. 78 out of 100 across roughly 4,600 US stocks as at 8 Oct 2026. None of this is personal advice — it does not consider your circumstances.
As at 8 Oct 2026, OptimumBank Holdings, Inc. ranks 78 out of 100 on Ticker Nerd's systematic factor model — a percentile across roughly 4,600 US stocks, built from its factor families. Its strongest factor family is Momentum (98 of 100).
No one can know that. What the data says: the median 12-month target from 3 analysts implies +26.4% from the last close, and Ticker Nerd's factor model ranks OptimumBank Holdings, Inc. 78 out of 100 as at 8 Oct 2026. Analyst targets are third-party estimates and frequently wrong; none of this is personal advice.
No analyst covering OptimumBank Holdings, Inc. publishes a 2030 price target — Wall Street targets run 12 to 18 months out. Sites quoting a 2030 price for OPHC are extrapolating price history, which says nothing about the business. The furthest attributed numbers are the current analyst targets: $11 to $11 over the next 12 months.
OptimumBank Holdings, Inc. returned +111.7% over the 12 months to 9 Oct 2026, with dividends reinvested. Past performance does not indicate future returns.
OptimumBank Holdings Inc. is a bank holding company that serves as the parent organization of OptimumBank, a community-focused banking institution.
The most recent item we track (Zacks Investment Research, 6 Oct 2026): "Bet on These 4 High-Flying Stocks With Increasing Cash Flows". Zacks Investment Research highlighted OptimumBank Holdings alongside Interface, QuinStreet and Vince Holding, citing rising cash flows and improving earnings estimates in a feature about stocks it described as worth buying.
OptimumBank Holdings Inc. is a bank holding company that serves as the parent organization of OptimumBank, a community-focused banking institution. OptimumBank Holdings Inc. provides a range of consumer and commercial banking services designed for individuals, small businesses, and corporate customers. Through its banking platform, the company offers deposit accounts, savings products, checking accounts, money market and cash management services, business banking solutions, online banking, wire transfers, ACH services, debit cards, and ATM access. It also supports lending and financing activities through its subsidiary structure, which includes banking and non-bank financial operations. Headquartered in Fort Lauderdale, Florida, OptimumBank Holdings Inc. plays a role in regional banking by combining traditional relationship-based service with digital and transaction-processing capabilities for everyday financial needs and business operations.
CEO Mr. Moishe Gubin CPA · 98 employees · United States · https://www.optimumbank.com
