OptimumBank Holdings Net Income
| OPHC Stock | USD 4.88 0.02 0.41% |
As of the 4th of February, OptimumBank Holdings holds the Semi Deviation of 0.7191, risk adjusted performance of 0.1356, and Coefficient Of Variation of 562.68. Compared to fundamental indicators, the technical analysis model allows you to check existing technical drivers of OptimumBank Holdings, as well as the relationship between them.
OptimumBank Holdings Total Revenue |
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Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 1.2786 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income | 15.1 M | 15.8 M | |
| Net Income Applicable To Common Shares | 4.6 M | 4.9 M | |
| Net Income From Continuing Ops | 15.1 M | 15.8 M | |
| Net Income Per Share | 1.60 | 1.68 | |
| Net Income Per E B T | 0.75 | 0.63 |
OptimumBank | Net Income | Build AI portfolio with OptimumBank Stock |
Analyzing OptimumBank Holdings's Net Income over time reveals critical patterns in financial health and operational efficiency. This metric helps investors evaluate trends, identify inflection points, and make informed decisions based on historical performance. Understanding how Net Income has evolved provides context for assessing OptimumBank Holdings's current valuation and future prospects.
Latest OptimumBank Holdings' Net Income Growth Pattern
Below is the plot of the Net Income of OptimumBank Holdings over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in OptimumBank Holdings financial statement analysis. It represents the amount of money remaining after all of OptimumBank Holdings operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is OptimumBank Holdings' Net Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in OptimumBank Holdings' overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported 13.12 M | 10 Years Trend |
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Net Income |
| Timeline |
OptimumBank Net Income Regression Statistics
| Arithmetic Mean | 2,610,461 | |
| Coefficient Of Variation | 257.39 | |
| Mean Deviation | 5,294,478 | |
| Median | (140,000) | |
| Standard Deviation | 6,719,156 | |
| Sample Variance | 45.1T | |
| Range | 22.9M | |
| R-Value | 0.85 | |
| Mean Square Error | 13.4T | |
| R-Squared | 0.72 | |
| Significance | 0.000016 | |
| Slope | 1,130,532 | |
| Total Sum of Squares | 722.4T |
OptimumBank Net Income History
Other Fundumenentals of OptimumBank Holdings
| Net Income Applicable To Common Shares | ||
| Net Income From Continuing Ops | ||
| Net Income Per Share | ||
| Net Income Per E B T |
OptimumBank Holdings Net Income component correlations
OptimumBank Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for OptimumBank Holdings is extremely important. It helps to project a fair market value of OptimumBank Stock properly, considering its historical fundamentals such as Net Income. Since OptimumBank Holdings' main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of OptimumBank Holdings' historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of OptimumBank Holdings' interrelated accounts and indicators.
Click cells to compare fundamentals
Will Regional Banks sector continue expanding? Could OptimumBank diversify its offerings? Factors like these will boost the valuation of OptimumBank Holdings. Anticipated expansion of OptimumBank directly elevates investor willingness to pay premium valuations. Accurate valuation requires analyzing both current fundamentals and future growth trajectories. Every OptimumBank Holdings data point contributes insight, yet successful analysis hinges on identifying the most consequential variables.
Quarterly Earnings Growth 0.2 | Earnings Share 1.36 | Revenue Per Share | Quarterly Revenue Growth 0.262 | Return On Assets |
The market value of OptimumBank Holdings is measured differently than its book value, which is the value of OptimumBank that is recorded on the company's balance sheet. Investors also form their own opinion of OptimumBank Holdings' value that differs from its market value or its book value, called intrinsic value, which is OptimumBank Holdings' true underlying value. Seasoned market participants apply comprehensive analytical frameworks to derive fundamental worth and identify mispriced opportunities. Because OptimumBank Holdings' market value can be influenced by many factors that don't directly affect OptimumBank Holdings' underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
It's important to distinguish between OptimumBank Holdings' intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding OptimumBank Holdings should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. Meanwhile, OptimumBank Holdings' quoted price indicates the marketplace figure where supply meets demand through bilateral consent.
OptimumBank Holdings 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to OptimumBank Holdings' stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of OptimumBank Holdings.
| 11/06/2025 |
| 02/04/2026 |
If you would invest 0.00 in OptimumBank Holdings on November 6, 2025 and sell it all today you would earn a total of 0.00 from holding OptimumBank Holdings or generate 0.0% return on investment in OptimumBank Holdings over 90 days. OptimumBank Holdings is related to or competes with Tectonic Financial, AmeriServ Financial, Texas Community, Bayfirst Financial, Home Federal, First Seacoast, and Catalyst Bancorp. OptimumBank Holdings, Inc. operates as the bank holding company for OptimumBank that provides various consumer and comme... More
OptimumBank Holdings Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure OptimumBank Holdings' stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess OptimumBank Holdings upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 1.19 | |||
| Information Ratio | 0.1427 | |||
| Maximum Drawdown | 9.25 | |||
| Value At Risk | (1.71) | |||
| Potential Upside | 2.19 |
OptimumBank Holdings Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for OptimumBank Holdings' investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as OptimumBank Holdings' standard deviation. In reality, there are many statistical measures that can use OptimumBank Holdings historical prices to predict the future OptimumBank Holdings' volatility.| Risk Adjusted Performance | 0.1356 | |||
| Jensen Alpha | 0.2581 | |||
| Total Risk Alpha | 0.1703 | |||
| Sortino Ratio | 0.1817 | |||
| Treynor Ratio | 13.01 |
OptimumBank Holdings February 4, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.1356 | |||
| Market Risk Adjusted Performance | 13.02 | |||
| Mean Deviation | 0.9011 | |||
| Semi Deviation | 0.7191 | |||
| Downside Deviation | 1.19 | |||
| Coefficient Of Variation | 562.68 | |||
| Standard Deviation | 1.51 | |||
| Variance | 2.29 | |||
| Information Ratio | 0.1427 | |||
| Jensen Alpha | 0.2581 | |||
| Total Risk Alpha | 0.1703 | |||
| Sortino Ratio | 0.1817 | |||
| Treynor Ratio | 13.01 | |||
| Maximum Drawdown | 9.25 | |||
| Value At Risk | (1.71) | |||
| Potential Upside | 2.19 | |||
| Downside Variance | 1.41 | |||
| Semi Variance | 0.5171 | |||
| Expected Short fall | (1.06) | |||
| Skewness | 2.36 | |||
| Kurtosis | 12.43 |
OptimumBank Holdings Backtested Returns
OptimumBank Holdings appears to be somewhat reliable, given 3 months investment horizon. OptimumBank Holdings maintains Sharpe Ratio (i.e., Efficiency) of 0.23, which implies the firm had a 0.23 % return per unit of risk over the last 3 months. We have found thirty technical indicators for OptimumBank Holdings, which you can use to evaluate the volatility of the company. Please evaluate OptimumBank Holdings' Coefficient Of Variation of 562.68, risk adjusted performance of 0.1356, and Semi Deviation of 0.7191 to confirm if our risk estimates are consistent with your expectations. On a scale of 0 to 100, OptimumBank Holdings holds a performance score of 18. The company holds a Beta of 0.0199, which implies not very significant fluctuations relative to the market. As returns on the market increase, OptimumBank Holdings' returns are expected to increase less than the market. However, during the bear market, the loss of holding OptimumBank Holdings is expected to be smaller as well. Please check OptimumBank Holdings' skewness, day typical price, and the relationship between the downside variance and daily balance of power , to make a quick decision on whether OptimumBank Holdings' historical price patterns will revert.
Auto-correlation | 0.55 |
Modest predictability
OptimumBank Holdings has modest predictability. Overlapping area represents the amount of predictability between OptimumBank Holdings time series from 6th of November 2025 to 21st of December 2025 and 21st of December 2025 to 4th of February 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of OptimumBank Holdings price movement. The serial correlation of 0.55 indicates that about 55.0% of current OptimumBank Holdings price fluctuation can be explain by its past prices.
| Correlation Coefficient | 0.55 | |
| Spearman Rank Test | 0.75 | |
| Residual Average | 0.0 | |
| Price Variance | 0.07 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
OptimumBank Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
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Based on the recorded statements, OptimumBank Holdings reported net income of 13.12 M. This is 98.97% lower than that of the Banks sector and significantly higher than that of the Financials industry. The net income for all United States stocks is 97.7% higher than that of the company.
OptimumBank Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses OptimumBank Holdings' direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of OptimumBank Holdings could also be used in its relative valuation, which is a method of valuing OptimumBank Holdings by comparing valuation metrics of similar companies.OptimumBank Holdings is currently under evaluation in net income category among its peers.
OptimumBank Holdings Current Valuation Drivers
We derive many important indicators used in calculating different scores of OptimumBank Holdings from analyzing OptimumBank Holdings' financial statements. These drivers represent accounts that assess OptimumBank Holdings' ability to generate profits relative to its revenue, operating costs, and shareholders' equity. Below are some of OptimumBank Holdings' important valuation drivers and their relationship over time.
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 (projected) | ||
| Market Cap | 9.9M | 15.3M | 24.4M | 30.3M | 34.8M | 33.1M | |
| Enterprise Value | (18.7M) | (5.9M) | (25.3M) | 79.8M | 91.8M | 87.2M |
OptimumBank Holdings ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, OptimumBank Holdings' sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to OptimumBank Holdings' managers, analysts, and investors.Environmental | Governance | Social |
OptimumBank Holdings Institutional Holders
Institutional Holdings refers to the ownership stake in OptimumBank Holdings that is held by large financial organizations, pension funds or endowments. Institutions may hold large blocks of OptimumBank Holdings' outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing OptimumBank Holdings' value.| Shares | State Street Corp | 2025-06-30 | 11.3 K | Northern Trust Corp | 2025-06-30 | 10.8 K | Wells Fargo & Co | 2025-06-30 | 3.1 K | Goss Wealth Management Llc | 2025-06-30 | 1.2 K | Tower Research Capital Llc | 2025-06-30 | 904 | Ubs Group Ag | 2025-06-30 | 504 | Advisor Group Holdings, Inc. | 2025-06-30 | 100.0 | Bank Of America Corp | 2025-06-30 | 93.0 | Jpmorgan Chase & Co | 2025-06-30 | 21.0 | Alliancebernstein L.p. | 2025-06-30 | 535 K | Fourthstone Llc | 2025-06-30 | 500.9 K |
OptimumBank Fundamentals
| Return On Equity | 0.15 | ||||
| Return On Asset | 0.0155 | ||||
| Profit Margin | 0.36 % | ||||
| Operating Margin | 0.47 % | ||||
| Current Valuation | (177.92 M) | ||||
| Shares Outstanding | 11.53 M | ||||
| Shares Owned By Insiders | 19.42 % | ||||
| Shares Owned By Institutions | 17.18 % | ||||
| Number Of Shares Shorted | 29.5 K | ||||
| Price To Earning | 2.45 X | ||||
| Price To Book | 0.48 X | ||||
| Price To Sales | 1.28 X | ||||
| Revenue | 64.25 M | ||||
| Gross Profit | 43.82 M | ||||
| EBITDA | 18.23 M | ||||
| Net Income | 13.12 M | ||||
| Cash And Equivalents | 77.27 M | ||||
| Cash Per Share | 12.82 X | ||||
| Total Debt | 102.77 M | ||||
| Debt To Equity | 41.97 % | ||||
| Book Value Per Share | 9.84 X | ||||
| Cash Flow From Operations | 15.61 M | ||||
| Short Ratio | 0.52 X | ||||
| Earnings Per Share | 1.36 X | ||||
| Target Price | 5.0 | ||||
| Number Of Employees | 73 | ||||
| Beta | 0.27 | ||||
| Market Capitalization | 54.32 M | ||||
| Total Asset | 932.93 M | ||||
| Retained Earnings | (2.85 M) | ||||
| Net Asset | 932.93 M |
About OptimumBank Holdings Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze OptimumBank Holdings's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of OptimumBank Holdings using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of OptimumBank Holdings based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
Also Currently Popular
Analyzing currently trending equities could be an opportunity to develop a better portfolio based on different market momentums that they can trigger. Utilizing the top trending stocks is also useful when creating a market-neutral strategy or pair trading technique involving a short or a long position in a currently trending equity.When determining whether OptimumBank Holdings offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of OptimumBank Holdings' financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Optimumbank Holdings Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Optimumbank Holdings Stock:Check out For information on how to trade OptimumBank Stock refer to our How to Trade OptimumBank Stock guide.You can also try the Financial Widgets module to easily integrated Macroaxis content with over 30 different plug-and-play financial widgets.
Will Regional Banks sector continue expanding? Could OptimumBank diversify its offerings? Factors like these will boost the valuation of OptimumBank Holdings. Anticipated expansion of OptimumBank directly elevates investor willingness to pay premium valuations. Accurate valuation requires analyzing both current fundamentals and future growth trajectories. Every OptimumBank Holdings data point contributes insight, yet successful analysis hinges on identifying the most consequential variables.
Quarterly Earnings Growth 0.2 | Earnings Share 1.36 | Revenue Per Share | Quarterly Revenue Growth 0.262 | Return On Assets |
The market value of OptimumBank Holdings is measured differently than its book value, which is the value of OptimumBank that is recorded on the company's balance sheet. Investors also form their own opinion of OptimumBank Holdings' value that differs from its market value or its book value, called intrinsic value, which is OptimumBank Holdings' true underlying value. Seasoned market participants apply comprehensive analytical frameworks to derive fundamental worth and identify mispriced opportunities. Because OptimumBank Holdings' market value can be influenced by many factors that don't directly affect OptimumBank Holdings' underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
It's important to distinguish between OptimumBank Holdings' intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding OptimumBank Holdings should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. Meanwhile, OptimumBank Holdings' quoted price indicates the marketplace figure where supply meets demand through bilateral consent.