OptimumBank Holdings, Inc.

OptimumBank Holdings, Inc.verified

OPHC

Price:

$4.05

Market Cap:

$46.71M

OptimumBank Holdings, Inc. operates as the bank holding company for OptimumBank that provides various consumer and commercial banking services to individuals and businesses. It accepts demand interest-bearing and noninterest-bearing, savings, money market, NOW, and time deposit accounts, as well as certificates of deposit; and offers residential and commercial real estate, multi-family real estate, commercial, land and construction, and consumer loans, as well as lending lines for working capital needs. The company also provides debit and ATM cards; investment, cash management, notary, and night depository services; and direct deposits, money orders, cashier's checks, domestic collections, a...[Read more]

Industry

Banks - Regional

IPO Date

2003-06-23

Stock Exchange

NASDAQ

Ticker

OPHC

The Current Ratio as of December 2025 (TTM) for OptimumBank Holdings, Inc. (OPHC) is 0

According to OptimumBank Holdings, Inc.’s latest financial reports and current stock price. The company's current Current Ratio is 0. This represents a change of -100.00% compared to the average of 0.09 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 0.23. The current 0 Current Ratio has changed -100.00% with respect to the historical average. Over the past ten years (40 quarters), OPHC's Current Ratio was at its highest in in the September 2021 quarter at 0.40. The Current Ratio was at its lowest in in the September 2025 quarter at 0.

Quarterly (TTM)
Annual

Average

0.23

Median

0.23

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
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%
20150.31-9.37%

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 less than than its 3-year, less than than its 5-year, and less than than its 10-year historical averages

3-year avg

0.16

5-year avg

0.23

10-year avg

0.23

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 less than Tectonic Financial, Inc. (0), less than AmeriServ Financial, Inc. (0.06), less than Texas Community Bancshares, Inc. (0), less than PB Bankshares, Inc. (0), less than BayFirst Financial Corp. (0), less than Steele Bancorp Inc. (0), less than Home Federal Bancorp, Inc. of Louisiana (0), less than First Seacoast Bancorp (0), less than Catalyst Bancorp, Inc. (0), less than TOP Financial Group Limited (3.44),

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