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 ROE as of June 2026 (TTM) for OptimumBank Holdings, Inc. (OPHC) is 14.63%

According to OptimumBank Holdings, Inc.’s latest financial reports and current stock price. The company's current ROE is 14.63%. This represents a change of 300.97% compared to the average of 3.65% 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 1.75%. The current 14.63% ROE has changed 736.42% 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

1.75%

Median

7.70%

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
202513.66%7.38%
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%

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 less than than its 10-year historical averages

3-year avg

11.78%

5-year avg

11.63%

10-year avg

1.75%

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. (4.72%), less than Texas Community Bancshares, Inc. (5.66%), less than PB Bankshares, Inc. (4.63%), greater than BayFirst Financial Corp. (-30.79%), less than Steele Bancorp Inc. (25.05%), less than Home Federal Bancorp, Inc. of Louisiana (10.42%), greater than First Seacoast Bancorp (-1.20%), less than Catalyst Bancorp, Inc. (2.48%), greater than TOP Financial Group Limited (-15.26%),

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