OptimumBank Holdings, Inc.

OptimumBank Holdings, Inc.verified

OPHC

Price:

$5.58

Market Cap:

$68.46M

OptimumBank Holdings, Inc. operates as the parent entity for OptimumBank, delivering a comprehensive range of financial solutions to both individual customers and corporate clients. The institution offers diverse deposit options, including various interest-bearing and non-interest-bearing checking accounts, savings accounts, money market accounts, NOW accounts, time deposits, and certificates of deposit. For its lending activities, OptimumBank extends financing for residential, commercial, and multi-family real estate, general commercial purposes, land acquisition and construction, and consumer needs, in addition to providing lines of credit for working capital. Further services include debi...[Read more]

Industry

Banks - Regional

IPO Date

2003-06-23

Stock Exchange

AMEX

Ticker

OPHC

The Current Ratio as of June 2026 (TTM) for OptimumBank Holdings, Inc. (OPHC) is 1.08

According to OptimumBank Holdings, Inc.’s latest financial reports and current stock price. The company's current Current Ratio is 1.08. This represents a change of 160.31% compared to the average of 0.41 of the last 4 quarters.

OptimumBank Holdings, Inc. (OPHC) Historical Current Ratio (quarterly & annually)

How has OPHC Current Ratio performed in the past?

The mean historical Current Ratio of OptimumBank Holdings, Inc. over the last ten years is 0.21. The current 1.08 Current Ratio has changed 50.55% with respect to the historical average. Over the past ten years (40 quarters), OPHC's Current Ratio was at its highest in in the March 2026 quarter at 1.08. The Current Ratio was at its lowest in in the June 2018 quarter at 0.09.

Quarterly (TTM)
Annual

Average

0.21

Median

0.17

Minimum

0.12

Maximum

0.35

OptimumBank Holdings, Inc. (OPHC) Current Ratio by Quarter and Year

Discovering the peaks and valleys of OptimumBank Holdings, Inc. Current Ratio, unveiling quarterly and yearly fluctuations to gain insights into the company’s financial performance and market dynamics, offering valuable data for investors and analysts alike.

Maximum Annual Increase = 171.09%

Maximum Annual Current Ratio = 0.35

Minimum Annual Increase = -55.43%

Minimum Annual Current Ratio = 0.12

Quarterly (TTM)
Annual
YearCurrent RatioChange
20250.12-17.35%
20240.15-1.26%
20230.15-22.35%
20220.19-37.48%
20210.30-13.23%
20200.35171.09%
20190.136.12%
20180.12-55.43%
20170.27-21.74%
20160.3512.17%

OptimumBank Holdings, Inc. (OPHC) Average Current Ratio

How has OPHC Current Ratio performed in the past?

The current Current Ratio of OptimumBank Holdings, Inc. (OPHC) is greater than its 3-year, greater than its 5-year, and greater than its 10-year historical averages

3-year avg

0.14

5-year avg

0.18

10-year avg

0.21

OptimumBank Holdings, Inc. (OPHC) Current Ratio vs. Peers

How is OPHC’s Current Ratio compared to its peers?

OptimumBank Holdings, Inc.’s Current Ratio is greater than Tectonic Financial, Inc. (0), less than AmeriServ Financial, Inc. (1.36), greater than Texas Community Bancshares, Inc. (0.01), less than PB Bankshares, Inc. (1.22), less than BayFirst Financial Corp. (7.10), less than Steele Bancorp Inc. (118.06), greater than Home Federal Bancorp, Inc. of Louisiana (0.05), greater than First Seacoast Bancorp (0.34), greater than Catalyst Bancorp, Inc. (0.03), less than TOP Financial Group Limited (1.98),

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