OPHC · OptimumBank Holdings, Inc.
$7.00
-0.19 (-2.64%)
At close · Jul 30
Market Cap
$86.49M
Shares
12.27M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$7.19
Open$7.08
Day$6.99–7.35
52W$3.91–7.35
Avg vol 30d52K
Short int14K · 0.1% float · 1.0d
Short vol58%
Last earningsAug 13, 2026
DataJan 2020–Jul 2026
Filing10-Q · May 12
Up next
Next earnings call
Aug 13, 2026
Scheduled
· in 2 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed May 12, 2026
Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Buy
Momentum
Very Strong
Sentiment
Neutral
Fundamentals
Excellent
Quant / Vol
Moderate
Market backdrop
VIX 17.1 · elevated
Equity put/call 0.61
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+43%
above
Price vs 50-day avg
+24%
above
RSI (14)
86
overbought
MACD trend
Positive
52-week position
95%
near high
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
+23%
trailing
6-month return
+45%
trailing
YTD return
+69%
this year
Relative strength
+39%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $6 › 200d $5 — 50d above 200d
Institutional flow
Accumulating
1 of 18 funds reported for Jun 30 · net +489 sh shares · +1 new
Insider flow
Flat
No net insider activity over 90 days
Short interest
Rising
0.11% of float · ▲ +92.5% MoM · 1.0 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Steady
18 holders — mid 3-yr range
Squeeze score
76
high risk · 0–100
Fundamentals
EPS growth
+13%
Y/Y
Free cash flow
$16.9M
Valuation
P/E 9.5
below peers
Balance sheet
$23.6M
net cash
Quant / Vol
risk profile
Volatility
29%
annualized · 1-yr
Max drawdown
−15%
past year
ATR
2.8%
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
+43%
Bullish
Price vs 50-day avg
+24%
Bullish
RSI (14)
86
Bearish
MACD trend
Positive
Bullish
52-week position
95%
Bullish
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Mixed
Trend (MA cross)
No cross
50d $6 › 200d $5 — 50d above 200d
Institutional flow
Accumulating
1 of 18 funds reported for Jun 30 · net +489 sh shares · +1 new
Insider flow
Flat
No net insider activity over 90 days
Short interest
Rising
0.11% of float · ▲ +92.5% MoM · 1.0 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Steady
18 holders — mid 3-yr range
Price context
position in its 52-week range
52-wk low $4
Now $7 · 95%
52-wk high $7
vs 200-day avg +43%
vs 50-day avg +24%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from its earnings releases, calls, and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Allowance for credit losses as a percent of total loans | 0.91% | Q2 2026 | — |
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| Efficiency ratio non-GAAP | 48.78% | Q2 2026 | — |
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| Gross charge-offs | $50,000 | Q2 2026 | — |
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| Net charge-offs | $11,000 | Q2 2026 | — |
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| Net interest margin | 4.57% | Q2 2026 | — |
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| ROAA | 2.04% | Q2 2026 | — |
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| ROAE | 20.34% | Q2 2026 | — |
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| Tier 1 Leverage Ratio | 10.54% | Q2 2026 | — |
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| Allowance for credit losses | $11.1M | Q1 FY2026 | — |
| Cost of interest-bearing liabilities | 3.26% | Q1 FY2026 | — |
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| Net interest spread | 3.36% | Q1 FY2026 | — |
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| Net loan-to-deposit ratio | 98.69% | Q1 FY2026 | — |
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| Return on Average Tangible Assets (ROTA) non-GAAP | 1.56% | Q1 FY2026 | — |
| Fully diluted tangible book value per share non-GAAP | $5.18 | as of December 31, 2025 | — |
Figures exactly as the company stated them · click a metric with a to chart its history · period links open the stating document · "call" marks figures stated on the earnings call, "filing" figures stated in the 10-K/10-Q · YoY needs the prior-year figure on file
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.
|
$86.49M | +69.2% | — | 9.5 | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$123.96B | -34.2% | +15.2% | — | 0.4% |
|
MFG
Mizuho Financial Group Inc
|
$119.51B | +34.0% | — | — | 0.1% |
|
IBN
Icici Bank Ltd
|
$106.74B | -0.1% | — | — | 0.6% |
|
PNC
Pnc Financial Services Group, Inc.
|
$99.87B | +20.0% | +7.2% | 14.5 | 1.7% |
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
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| OPHC | +18.3% | +23.1% | +45.3% | +23.1% | +69.2% |
| SPY | -2.4% | -2.3% | +6.3% | -2.3% | +7.0% |
| vs SPY | +20.7% | +25.4% | +38.9% | +25.4% | +62.2% |