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 ROE as of December 2025 (TTM) for OptimumBank Holdings, Inc. (OPHC) is 14.33%

According to OptimumBank Holdings, Inc.’s latest financial reports and current stock price. The company's current ROE is 14.33%. This represents a change of 299.66% compared to the average of 3.59% of the last 4 quarters.

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

How has OPHC ROE performed in the past?

The mean historical ROE of OptimumBank Holdings, Inc. over the last ten years is -0.17%. The current 14.33% ROE has changed -8710.29% with respect to the historical average. Over the past ten years (40 quarters), OPHC's ROE was at its highest in in the June 2018 quarter at 37.50%. The ROE was at its lowest in in the December 2018 quarter at -11.70%.

Quarterly (TTM)
Annual

Average

-0.17%

Median

1.02%

Minimum

-23.14%

Maximum

16.35%

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

Discovering the peaks and valleys of OptimumBank Holdings, Inc. ROE, 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 = 133.96%

Maximum Annual ROE = 16.35%

Minimum Annual Increase = -472.85%

Minimum Annual ROE = -23.14%

Quarterly (TTM)
Annual
YearROEChange
202412.72%41.72%
20238.97%39.61%
20226.43%-60.68%
202116.35%-472.85%
2020-4.38%-71.27%
2019-15.26%-201.74%
201815.00%-164.82%
2017-23.14%80.06%
2016-12.85%133.96%
2015-5.49%-110.20%

OptimumBank Holdings, Inc. (OPHC) Average ROE

How has OPHC ROE performed in the past?

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

3-year avg

9.37%

5-year avg

8.02%

10-year avg

-0.17%

OptimumBank Holdings, Inc. (OPHC) ROE vs. Peers

How is OPHC’s ROE compared to its peers?

OptimumBank Holdings, Inc.’s ROE is less than Tectonic Financial, Inc. (2.85%), less than AmeriServ Financial, Inc. (4.63%), less than Texas Community Bancshares, Inc. (4.47%), less than PB Bankshares, Inc. (4.63%), greater than BayFirst Financial Corp. (-10.21%), less than Steele Bancorp Inc. (24.60%), less than Home Federal Bancorp, Inc. of Louisiana (8.25%), greater than First Seacoast Bancorp (-3.50%), less than Catalyst Bancorp, Inc. (2.75%), greater than TOP Financial Group Limited (-15.83%),

Build a custom stock screener for OptimumBank Holdings, Inc. (OPHC) and other stocks

One of the best ways to find valuable stocks to invest in is to build a custom made screener in your Excel or Google Sheets spreadsheet. This allows you to compare thousands of companies like OptimumBank Holdings, Inc. using the financials and key metrics that matter to you in a single view.

The easiest way to set this up is to use the Wisesheets add-on and set your spreadsheet like this:

Custom stock screener in Wisesheets

Covering all these metrics from financial, data, dividend data, key metrics and more you can get all the data you want for over 50+ exchanges worldwide.

Get your free trial here.

OptimumBank Holdings, Inc. (OPHC) and other stocks custom spreadsheet templates

The easiest way to analyze a company like OptimumBank Holdings, Inc. or any others is to create a spreadsheet model that automatically retrieves all of the stock data you need.

Using Wisesheets you can set up a spreadsheet model like this with simple spreadsheet formulas. If you change the ticker you can get all of the data automatically updated for you.

Custom stock templates in Wisesheets

Whether you need live data, historical price data, financials, dividend data, key metrics, analyst estimates, or anything else...Wisesheets has you covered.

Frequently asked questions❓

What is the ROE?

How can you use the ROE?

What is OptimumBank Holdings, Inc.'s ROE?

How is the ROE calculated for OptimumBank Holdings, Inc. (OPHC)?

What is the highest ROE for OptimumBank Holdings, Inc. (OPHC)?

What is the 3-year average ROE for OptimumBank Holdings, Inc. (OPHC)?

What is the 5-year average ROE for OptimumBank Holdings, Inc. (OPHC)?

How does the current ROE for OptimumBank Holdings, Inc. (OPHC) compare to its historical average?