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OPHC Stock Forecast 2025-2026
$4.20
Current Price
$48.44M
Market Cap
Buy 0
Hold 1
Sell 0
Wall St Analyst Ratings
Distance to OPHC Price Targets
+19.0%
To High Target of $5.00
+19.0%
To Median Target of $5.00
+19.0%
To Low Target of $5.00
OPHC Price Momentum
+5.3%
1 Week Change
+3.2%
1 Month Change
-18.3%
1 Year Change
-11.8%
Year-to-Date Change
-19.5%
From 52W High of $5.22
+19.0%
From 52W Low of $3.53
📊 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 neutral consensus with a median price target of $5.00 (ranging from $5.00 to $5.00). The overall analyst rating is N/A (N/A/10). Currently trading at $4.20, the median forecast implies a 19.0% upside. This outlook is supported by 0 Buy, 1 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
0
Buy
1
Hold
0
Sell
OPHC Price Target Range
Low
$5.00
Average
$5.00
High
$5.00
Current: $4.20
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 23, 2024 | Compass Point | Merrill Ross | Neutral | Initiates | $5.25 |
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 $48.44M with a P/E ratio of 3.0x. The company generates $43.82M in trailing twelve-month revenue with a 35.9% profit margin.
Revenue growth is +26.2% quarter-over-quarter, while maintaining an operating margin of +47.2% and return on equity of +15.0%.
Valuation Metrics
Market Cap
$48.44M
Enterprise Value
$-184,604,816
P/E Ratio
3.0x
PEG Ratio
-0.2x
Price/Sales
1.1x
Growth & Margins
Revenue Growth (YoY)
+26.2%
Gross Margin
N/A
Operating Margin
+47.2%
Net Margin
+35.9%
EPS Growth
+30.9%
Financial Health
Cash/Price Ratio
+485.3%
Current Ratio
N/A
Debt/Equity
0.0x
ROE
+15.0%
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, loans, and specialized services such as mortgage lending and treasury management. The company targets both individual consumers and small to commercial businesses, allowing it to diversify its income streams and effectively meet a wide range of financial needs.
Additional Information
Located in Fort Lauderdale, Florida, OptimumBank balances traditional banking practices with modern digital solutions, enabling it to adapt to changing consumer preferences. The bank plays a significant role in financial intermediation within the competitive banking sector, contributing to regional economic growth and the overall stability of the financial ecosystem.
Company Information
Sector
Financial Services
Industry
Banks - Regional
Employees
73
CEO
Country
United States
IPO Year
2003
Website
www.optimumbank.comOptimumBank Holdings Inc. (OPHC) Latest News & Analysis
Latest News
Quick Summary
OptimumBank Holdings, Inc. reported Q3 2025 net earnings of $4.32 million ($0.37 per basic share), up from $3.60 million in Q2 2025. Nine-month earnings reached $11.80 million, driven by higher net interest income.
Why It Matters
OptimumBank's Q3 earnings show growth in net income and earnings per share, indicating strong financial health and improving profitability, which could attract investor interest and boost stock performance.
Source: GlobeNewsWire
Market Sentiment:
Neutral
Quick Summary
OptimumBank Holdings, Inc. (NYSE: OPHC) will ring the NYSE Opening Bell on October 27, 2025, to celebrate its 25th anniversary, highlighting its growth and community service.
Why It Matters
OptimumBank's NYSE Opening Bell ceremony highlights its 25 years of growth, enhancing brand visibility and potentially boosting investor confidence and stock performance.
Source: Newsfile Corp
Market Sentiment:
Neutral
Quick Summary
IBN announced the release of a new episode of The GotStocks Podcast, aimed at connecting public companies with the investment community through specialized content distribution.
Why It Matters
The release of The GotStocks Podcast enhances investor access to information, potentially increasing engagement and interest in public companies, which could impact stock performance.
Source: GlobeNewsWire
Market Sentiment:
Neutral
Quick Summary
OptimumBank (NYSE: OPHC) will present at the 19th annual Main Event on October 20th at 1:30 PT in San Diego. Chairman Moishe Gubin will lead the presentation.
Why It Matters
OptimumBank's presentation at a major event may influence investor perception and interest, potentially affecting stock performance and market confidence in the bank's future strategies.
Source: Newsfile Corp
Market Sentiment:
Neutral
Quick Summary
OptimumBank Holdings Inc. has appointed IBN to manage its corporate communications, enhancing its outreach as a community bank based in Fort Lauderdale, Florida.
Why It Matters
OptimumBank's partnership with IBN for corporate communications may enhance its market visibility and investor relations, potentially boosting investor confidence and share performance.
Source: GlobeNewsWire
Market Sentiment:
Neutral
Quick Summary
OptimumBank Holdings, Inc. reported Q2 2025 net earnings of $3.60 million ($0.31 per basic share), down from $3.87 million in Q1. Six-month earnings increased to $7.47 million compared to $5.87 million last year.
Why It Matters
OptimumBank's Q2 earnings show a slight decline in EPS but a year-over-year increase in net income, driven by improved net interest income. This reflects operational strength, impacting stock valuation.
Source: GlobeNewsWire
Market Sentiment:
Neutral
Frequently Asked Questions About OPHC Stock
What is OptimumBank Holdings Inc.'s (OPHC) stock forecast for 2026?
Based on our analysis of 1 Wall Street analysts, OptimumBank Holdings Inc. (OPHC) has a median price target of $5.00. The highest price target is $5.00 and the lowest is $5.00.
Is OPHC stock a good investment in 2026?
According to current analyst ratings, OPHC has 0 Buy ratings, 1 Hold ratings, and 0 Sell ratings. The stock is currently trading at $4.20. 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 $5.00 in the next 12 months. This represents a 19.0% increase from the current price of $4.20. 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, loans, and specialized services such as mortgage lending and treasury management. The company targets both individual consumers and small to commercial businesses, allowing it to diversify its income streams and effectively meet a wide range of financial needs.
What is the highest forecasted price for OPHC OptimumBank Holdings Inc.?
The highest price target for OPHC is $5.00 from at , which represents a 19.0% increase from the current price of $4.20.
What is the lowest forecasted price for OPHC OptimumBank Holdings Inc.?
The lowest price target for OPHC is $5.00 from at , which represents a 19.0% increase from the current price of $4.20.
What is the overall OPHC consensus from analysts for OptimumBank Holdings Inc.?
The overall analyst consensus for OPHC is neutral. Out of 1 Wall Street analysts, 0 rate it as Buy, 1 as Hold, and 0 as Sell, with a median price target of $5.00.
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: November 15, 2025 4:19 PM UTC