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OPHC Stock Forecast 2026-2027
$5.98
Current Price
$73.36M
Market Cap
Buy 3
Hold 0
Sell 0
Wall St Analyst Ratings
Distance to OPHC Price Targets
+33.8%
To High Target of $8.00
+17.1%
To Median Target of $7.00
+8.7%
To Low Target of $6.50
OPHC Price Momentum
+4.4%
1 Week Change
+8.7%
1 Month Change
+30.3%
1 Year Change
+40.7%
Year-to-Date Change
0.0%
From 52W High of $5.98
+52.9%
From 52W Low of $3.91
📊 TOP ANALYST CALLS
Did OPHC Make This Month's Elite Buy List?
We don't follow just any analyst — only the top 3% with a proven track record make our cut. See if OptimumBank is one of their latest high-conviction picks.
Latest OPHC Stock Price Targets & Analyst Predictions
Based on our analysis of 1 Wall Street analyst, OPHC has a bullish consensus with a median price target of $7.00 (ranging from $6.50 to $8.00). The overall analyst rating is Strong Buy (10.0/10). Currently trading at $5.98, the median forecast implies a 17.1% upside. This outlook is supported by 3 Buy, 0 Hold, and 0 Sell ratings.
Please note that analyst price targets are forward-looking estimates subject to substantial market, economic, and company-specific risks. Past performance does not guarantee future results, and actual stock performance may materially differ from these projections. Investors should conduct their own due diligence and consider their investment objectives and risk tolerance before making investment decisions.
OPHC Analyst Ratings
3
Buy
0
Hold
0
Sell
OPHC Price Target Range
Low
$6.50
Average
$7.00
High
$8.00
Current: $5.98
Latest OPHC Stock Forecasts by Analyst
These are the latest 20 analyst ratings and price targets for OPHC.
| Date | Firm | Analyst | Rating | Change | Price Target |
|---|---|---|---|---|---|
| May 13, 2026 | Compass Point | Buy | Upgrade | $N/A | |
| Apr 7, 2026 | Alliance Global Partners | Buy | Initiates | $N/A | |
| May 23, 2024 | Compass Point | Neutral | Initiates | $N/A |
OptimumBank Holdings Inc. (OPHC) Competitors
The following stocks are similar to OptimumBank based on their market capitalization and industry sector. These similar stocks potentially provide investors with alternative investment opportunities within the same market segment.
OptimumBank Holdings Inc. (OPHC) Financial Data
OptimumBank Holdings Inc. has a market capitalization of $73.36M with a P/E ratio of 10.0x. The company generates $50.71M in trailing twelve-month revenue with a 34.4% profit margin.
Revenue growth is +31.3% quarter-over-quarter, while maintaining an operating margin of +44.9% and return on equity of +14.9%.
Valuation Metrics
Market Cap
$73.36M
Enterprise Value
$-25,047,000
P/E Ratio
10.0x
PEG Ratio
0.5x
Price/Sales
1.4x
Growth & Margins
Revenue Growth (YoY)
+31.3%
Gross Margin
N/A
Operating Margin
+44.9%
Net Margin
+34.4%
EPS Growth
+20.5%
Financial Health
Cash/Price Ratio
+190.9%
Current Ratio
N/A
Debt/Equity
0.3x
ROE
+14.9%
ROA
+1.6%
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OptimumBank Holdings Inc. (OPHC) Business Model
About OptimumBank Holdings Inc.
What They Do
Provides commercial and retail banking services.
Business Model
OptimumBank Holdings Inc. generates revenue through a variety of banking services, including personal and business checking accounts, savings accounts, and loans for consumers and businesses. The bank also earns income from specialized services like mortgage lending and treasury management, catering to both local communities and larger markets.
Additional Information
Based in Fort Lauderdale, Florida, OptimumBank combines traditional banking methods with modern digital services, allowing it to adapt to changing consumer demands. Its strategic positioning in the competitive banking sector supports financial intermediation and contributes to regional economic growth.
Company Information
Sector
Financial Services
Industry
Banks - Regional
Employees
98
CEO
Mr. Moishe Gubin CPA
Country
United States
IPO Year
2003
Website
www.optimumbank.comOptimumBank Holdings Inc. (OPHC) Latest News & Analysis
Latest News
OptimumBank Holdings, Inc. Named Among Nation's Top Community Banks in Raymond James Community Bankers Cup
1 month ago
Quick Summary
OptimumBank (NYSE American: OPHC) has received the 2025 Raymond James Community Bankers Cup, recognizing its top performance among U.S. community banks in profitability and efficiency.
Why It Matters
OptimumBank's recognition with the Raymond James Community Bankers Cup enhances its reputation, indicating strong financial performance, which may attract more investors and boost stock value.
Source: Newsfile Corp
Market Sentiment:
Neutral
OptimumBank Holdings, Inc. to Present at Planet MicroCap Las Vegas Powered by MicroCapClub
1 month ago
Quick Summary
OptimumBank Holdings, Inc. (NYSE American: OPHC) will present at the Planet MicroCap Las Vegas 2026 on June 17, 2026, at 12:30 PM EST, with CEO Moishe Gubin leading the presentation.
Why It Matters
OptimumBank's presentation at a notable microcap event could increase visibility, attract investor interest, and influence stock performance. CEO engagement may also signal strategic direction.
Source: Newsfile Corp
Market Sentiment:
Neutral
OptimumBank Holdings, Inc. Announces Executive Leadership Transition; Chairman Moishe Gubin Appointed CEO
2 months ago
Quick Summary
OptimumBank Holdings, Inc. (NYSE American: OPHC) announced the retirement of Timothy Terry as Principal Executive Officer, effective May 1, 2026, amid the company's growth.
Why It Matters
Leadership changes can impact company strategy, investor confidence, and stock performance, particularly during periods of growth. Market reactions may follow based on the new leadership's vision.
Source: Newsfile Corp
Market Sentiment:
Neutral
Quick Summary
OptimumBank Holdings, Inc. (OPHC) held a shareholder and analyst call, discussing financial performance and strategic outlook. Further details on key topics can be found in the transcript.
Why It Matters
The call transcript provides insights into OptimumBank's financial health, growth strategies, and management's outlook, influencing investor sentiment and stock valuation.
Source: Seeking Alpha
Market Sentiment:
Neutral
Quick Summary
OptimumBank Holdings, Inc. (NYSE American: OPHC) will hold its Annual Shareholder Meeting on April 28, 2026, at 10:00 AM ET, showcasing record performance with a 21.56% ROAE and 4.28% NIM for 2025.
Why It Matters
OptimumBank's strong financial performance, highlighted by a high ROAE and NIM, signals robust profitability and potential for future growth, attracting investor interest and confidence.
Source: Newsfile Corp
Market Sentiment:
Neutral
Quick Summary
OptimumBank Holdings reported Q1 2026 net income of $4.7M ($0.39/share), down from $4.9M in Q4 2025 but up from $3.9M in Q1 2025, driven by higher net interest and noninterest income.
Why It Matters
OptimumBank's Q1 2026 earnings reflect a year-over-year net income increase, driven by higher net interest income. However, rising expenses and credit losses may signal caution for future profitability.
Source: GlobeNewsWire
Market Sentiment:
Neutral
Frequently Asked Questions About OPHC Stock
What is OptimumBank Holdings Inc.'s (OPHC) stock forecast for 2027?
Based on our analysis of 1 Wall Street analysts, OptimumBank Holdings Inc. (OPHC) has a median price target of $7.00. The highest price target is $8.00 and the lowest is $6.50.
Is OPHC stock a good investment in 2027?
According to current analyst ratings, OPHC has 3 Buy ratings, 0 Hold ratings, and 0 Sell ratings. The stock is currently trading at $5.98. Always conduct your own research and consider your investment goals before making investment decisions.
What is the long-term price prediction for OPHC stock?
Wall Street analysts predict OPHC stock could reach $7.00 in the next 12 months. This represents a 17.1% increase from the current price of $5.98. Please note that this is a projection by Wall Street analysts and not a guarantee.
What is OptimumBank Holdings Inc.'s business model?
OptimumBank Holdings Inc. generates revenue through a variety of banking services, including personal and business checking accounts, savings accounts, and loans for consumers and businesses. The bank also earns income from specialized services like mortgage lending and treasury management, catering to both local communities and larger markets.
What is the highest forecasted price for OPHC OptimumBank Holdings Inc.?
The highest price target for OPHC is $8.00 from at , which represents a 33.8% increase from the current price of $5.98.
What is the lowest forecasted price for OPHC OptimumBank Holdings Inc.?
The lowest price target for OPHC is $6.50 from at , which represents a 8.7% increase from the current price of $5.98.
What is the overall OPHC consensus from analysts for OptimumBank Holdings Inc.?
The overall analyst consensus for OPHC is bullish. Out of 1 Wall Street analysts, 3 rate it as Buy, 0 as Hold, and 0 as Sell, with a median price target of $7.00.
How accurate are OPHC stock price projections?
Stock price projections, including those for OptimumBank Holdings Inc., are based on various factors including financial models, market conditions, and analyst forecasts. While these predictions provide valuable insights, they should be considered alongside your own research and risk tolerance.
Important Disclaimer
The information provided by Ticker Nerd is for educational and informational purposes only. It should not be considered financial or investment advice. Past performance is not indicative of future results. Always conduct your own research and consult with a qualified financial advisor before making any investment decisions. Analyst ratings and price forecasts are sourced from Wall St analysts and other experts. These projections are speculative and do not guarantee future stock performance.
Last updated: July 10, 2026 3:31 AM UTC