OPHC · OptimumBank Holdings, Inc.
$10.10
+0.07 (+0.70%)
At close · Aug 19
Market Cap
$237.88M
Shares
24.08M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$10.10
Open$10.03
Day$9.87–10.30
52W close$3.91–10.10
Avg vol 30d151K
Short int18K · 0.1% float · 1.0d
Short vol37%
Last earningsAug 13, 2026
DataJan 2020–Aug 2026
Filing10-Q · Aug 10
Up next
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 10, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceOverall
Strong Buy
SellHoldBuy
Technical
Buy
Momentum
Very Strong
Sentiment
Neutral
Fundamentals
Excellent
Quant / Vol
Moderate
Market backdrop
VIX 14.9 · calm
Equity put/call 0.52
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+87%
above
Price vs 50-day avg
+47%
above
RSI (14)
80
overbought
MACD trend
Positive
52-week position
100%
near high
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
+66%
trailing
6-month return
+89%
trailing
YTD return
+138%
this year
Relative strength
+78%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $7 › 200d $5 — 50d above 200d
Institutional flow
Accumulating
+33% holders QoQ · +7 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Rising
0.07% of float · ▲ +28.9% MoM · 1.0 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
24 holders — near 3-yr high, broad support
Squeeze score
50
elevated · 0–100
Fundamentals
EPS growth
+13%
Y/Y
Free cash flow
$16.9M
Balance sheet
$22.8M
net cash
Quant / Vol
risk profile
Volatility
36%
annualized · 1-yr
Max drawdown
−11%
past year
ATR
4.8%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Technicals
trend & momentum for long-term holders Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+87%
Bullish
Price vs 50-day avg
+47%
Bullish
RSI (14)
80
Bearish
MACD trend
Positive
Bullish
52-week position
100%
Bullish
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Bullish · 2 of 6
Trend (MA cross)
No cross
50d $7 › 200d $5 — 50d above 200d
Institutional flow
Accumulating
+33% holders QoQ · +7 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Rising
0.07% of float · ▲ +28.9% MoM · 1.0 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
24 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $4
Now $10 · 100%
Range high $10
vs 200-day avg +87%
vs 50-day avg +47%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Allowance for credit losses | 11M | second quarter of 2026 | — |
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| Allowance for credit losses as a percentage of total loans | 0.91% | second quarter of 2026 | — |
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| Common Shares outstanding - Nonvoting | 11,458,351 | 2Q26 | — |
| Common Shares outstanding - Voting | 12,340,785 | 2Q26 | — |
| Cost of interest-bearing liabilities | 3.3% | 2Q26 | — |
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| Efficiency ratio non-GAAP | 48.78% | second quarter of 2026 | — |
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| Fully diluted shares outstanding | 23,799,136 | 2Q26 | — |
| Fully diluted tangible book value per share non-GAAP | $5.65 | second quarter of 2026 | — |
| Gross charge-offs | $50,000 | second quarter of 2026 | — |
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| Loan-to-deposit ratio | 99.2% | second quarter of 2026 | — |
| Net charge-offs | $11,000 | second quarter of 2026 | — |
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| Net interest margin | 4.57% | second quarter of 2026 | — |
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| Net interest spread | 3.45% | 2Q26 | — |
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| Pre-tax pre-provision net revenue (PPNR) non-GAAP | $8.8M | second quarter of 2026 | — |
| Return on Average Assets (ROAA) | 2.04% | second quarter of 2026 | — |
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| Return on Average Equity (ROAE) | 20.34% | second quarter of 2026 | — |
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| Return on Average Tangible Assets (ROTA) | 2.04% | 2Q26 | — |
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| Tangible book value per diluted share | $5.65 | Q2 2026 | — |
| Tier 1 Capital to total assets | 10.54% | 2Q26 | — |
| Total common shares outstanding | 23,799,136 | Q2 2026 | — |
| Net loan-to-deposit ratio | 98.69% | Q1 FY2026 | — |
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| Tier 1 Leverage Ratio | 10.74% | Q1 FY2026 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
OPHC
this stock
OptimumBank Holdings, Inc.
|
$237.88M | +137.6% | — | — | 0.1% |
|
MFG
Mizuho Financial Group Inc
|
$131.93B | +38.5% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.97B | -36.6% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | -1.2% | — | — | 0.5% |
|
PNC
Pnc Financial Services Group, Inc.
|
$101.11B | +18.1% | +7.2% | 14.0 | 1.8% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Financials
Filings
Earnings & Events
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| OPHC | +12.9% | +66.1% | +89.5% | +32.9% | +137.7% |
| SPY | -0.4% | +2.9% | +11.6% | +3.0% | +12.8% |
| vs SPY | +13.3% | +63.2% | +77.9% | +29.9% | +124.9% |
Key facts
CIK
1288855
CUSIP
68401P403
13F (30d)
25 filings
24 filers
Visit website
Investor relations