Optimumbank Share Price (NASDAQ: OPHC)

$4.25

▲

-0.05

(-1.16%)

Last updated on August 30, 2025 at 1:29 am IST

$₹

Check the interactive Optimumbank Stock chart to analyse performance

Optimumbank stock performance

as on August 30, 2025 at 1:29 am IST

Today's Low:$4.25
Today's High:$4.30
$4.25
0.0%
Downside
Day's Volatility :1.16%
Upside
1.16%
52 Weeks Low:$3.53
52 Weeks High:$5.90
$4.25
16.94%
Downside
52 Weeks Volatility :40.17%
Upside
27.97%

Optimumbank Stock Returns

Period	Optimumbank Holdings Inc	Index (Russel 2000)
3 Months	-2.95%	0.0%
6 Months	0.47%	0.0%
1 Year	-6.36%	0.0%
3 Years	2.89%	-4.7%

Optimumbank Holdings Inc Key Stats

Check Optimumbank key stats like market cap, P/E ratio, EPS, Dividend Yield, and more.

Previous Close	$4.3
Open	$4.3
Today's High	$4.3
Today's Low	$4.25
Market Capitalization	$51.4M
Today's Volume	$18.5K
52 Week High	$5.9
52 Week Low	$3.53
Revenue TTM	$41.3M
Earnings Per Share (EPS)	$1.28
PE Ratio	3.36
Profit Margin	35.68%
Quarterly Earnings Growth YOY	-0.15%
Return On Equity TTM	14.85%

Stock Returns calculator for Optimumbank Stock including INR - Dollar returns

The Optimumbank stock calculator helps Indian investors calculate returns based on the historical performance of the stock. Just choose your investment amount and duration to get insights and invest more confidently. See stock returns as well as the effect of dollar appreciation over different durations.

*Dollar Return is the profit earned when the US dollar rises in value compared to the Indian rupee.

Investment Value

₹1,00,000

Optimumbank investment value today

Current value as on today

₹98,691

Returns

₹1,309

(-1.31%)

Returns from Optimumbank Stock

₹6,593 (-6.59%)

Dollar Returns*

₹5,284 (+5.28%)

Indian investors sentiment towards Optimumbank Stock

-33%

Period: Jul 31, 2025 to Aug 30, 2025. Change in 30 Days versus previous period

Search interest for Optimumbank Stock from India on INDmoney has decreased by -33% in the last 30 days, reflecting a downward trend in search activity.

Global Institutional Holdings in Optimumbank Holdings Inc

Name
Holdings %
Name
Holdings %
Fourthstone LLC
4.26%
AllianceBernstein L.P.
3.98%
Vanguard Group Inc
2.69%
Renaissance Technologies Corp
1.00%
Geode Capital Management, LLC
0.85%
Morgan Stanley - Brokerage Accounts
0.85%

Analyst Recommendation on Optimumbank Stock

Rating

Trend

Optimumbank Share Price Target

What analysts predicted

Upside of 17.65%

Target:

$5.00

Current:

$4.25

Optimumbank share price target is $5.00, a slight Upside of 17.65% compared to current price of $4.25 as per analysts' prediction.

Optimumbank Stock Insights

Price Movement
In the last 7 days, OPHC stock has moved down by -2.1%
Increasing Revenue
Revenue is up for the last 2 quarters, 16.23M → 17.42M (in $), with an average increase of 6.8% per quarter
Decreasing Net Profit
Netprofit is down for the last 3 quarters, 3.95M → 3.60M (in $), with an average decrease of 4.5% per quarter
OPHC vs MFG (1 yr)
In the last 1 year, Mizuho Financial Group, Inc. has given 58.9% return, outperforming this stock by 65.1%
OPHC vs NU (3 yr)
In the last 3 years, Nu Holdings Ltd. has given 187.4% return, outperforming this stock by 185.7%
Price to Sales
ForOPHC every $1 of sales, investors are willing to pay $1.1, whereas for Mizuho Financial Group, Inc., the investors are paying $0.0 for every $1 of sales.

Optimumbank Holdings Inc Financials

Revenue

Profit

Cash Flow

Annually

Quarterly

FY19

FY20

FY21

FY22

FY23

FY24

	FY19	Y/Y Change
Revenue	$5.4M	↑ 22.39%
Net Income	$-1.1M	↓ 238.19%
Net Profit Margin	-20.54%	↓ 38.73%

	FY20	Y/Y Change
Revenue	$7.0M	↑ 30.77%
Net Income	$-782.0K	↓ 28.91%
Net Profit Margin	-11.17%	↑ 9.37%

	FY21	Y/Y Change
Revenue	$11.8M	↑ 68.8%
Net Income	$6.3M	↓ 905.12%
Net Profit Margin	53.25%	↑ 64.42%

	FY22	Y/Y Change
Revenue	$22.8M	↑ 93.2%
Net Income	$4.0M	↓ 36.1%
Net Profit Margin	17.61%	↓ 35.64%

	FY23	Y/Y Change
Revenue	$39.2M	↑ 71.75%
Net Income	$6.3M	↑ 56.18%
Net Profit Margin	16.01%	↓ 1.6%

	FY24	Y/Y Change
Revenue	$64.3M	↑ 63.77%
Net Income	$13.1M	↑ 108.88%
Net Profit Margin	20.43%	↑ 4.42%

Q1 FY24

Q2 FY24

Q3 FY24

Q4 FY24

Q1 FY25

Q2 FY25

	Q1 FY24	Q/Q Change
Revenue	$14.7M	↑ 20.3%
Net Income	$2.4M	↓ 6.75%
Net Profit Margin	16.17%	↓ 4.68%

	Q2 FY24	Q/Q Change
Revenue	$16.4M	↑ 11.46%
Net Income	$3.5M	↑ 47.08%
Net Profit Margin	21.33%	↑ 5.16%

	Q3 FY24	Q/Q Change
Revenue	$16.4M	↑ 0.37%
Net Income	$3.3M	↓ 5.55%
Net Profit Margin	20.07%	↓ 1.26%

	Q4 FY24	Q/Q Change
Revenue	$16.7M	↑ 1.59%
Net Income	$4.0M	↑ 19.65%
Net Profit Margin	23.64%	↑ 3.57%

	Q1 FY25	Q/Q Change
Revenue	$16.2M	↓ 2.83%
Net Income	$3.9M	↓ 2.05%
Net Profit Margin	23.83%	↑ 0.19%

	Q2 FY25	Q/Q Change
Revenue	$17.4M	↑ 7.29%
Net Income	$3.6M	↓ 6.93%
Net Profit Margin	20.68%	↓ 3.15%

FY19

FY20

FY21

FY22

FY23

FY24

	FY19	Y/Y Change
Profit	$3.4M	↓ 30.61%

	FY20	Y/Y Change
Profit	$4.3M	↑ 25.82%

	FY21	Y/Y Change
Profit	$9.7M	↑ 126.67%

	FY22	Y/Y Change
Profit	$15.3M	↑ 58.61%

	FY23	Y/Y Change
Profit	$23.1M	↑ 50.8%

	FY24	Y/Y Change
Profit	$37.1M	↑ 60.44%

Q1 FY24

Q2 FY24

Q3 FY24

Q4 FY24

Q1 FY25

Q2 FY25

	Q1 FY24	Q/Q Change
Profit	$7.9M	↑ 11.56%

	Q2 FY24	Q/Q Change
Profit	$9.7M	↑ 22.88%

	Q3 FY24	Q/Q Change
Profit	$9.7M	↓ 0.29%

	Q4 FY24	Q/Q Change
Profit	$9.7M	↓ 0.28%

	Q1 FY25	Q/Q Change
Profit	$10.8M	↑ 11.65%

	Q2 FY25	Q/Q Change
Profit	$11.0M	↑ 1.98%

FY19

FY20

FY21

FY22

FY23

FY24

	FY19	Y/Y Change
Operating Cash Flow	$-558.0K	↓ 2425.0%
Investing Cash Flow	$-25.3M	↑ 320.82%
Financing Cash Flow	$26.8M	↑ 1060.64%

	FY20	Y/Y Change
Operating Cash Flow	$-1.5M	↑ 161.29%
Investing Cash Flow	$-62.8M	↑ 147.87%
Financing Cash Flow	$109.9M	↑ 309.66%

	FY21	Y/Y Change
Operating Cash Flow	$3.8M	↓ 358.09%
Investing Cash Flow	$-108.8M	↑ 73.25%
Financing Cash Flow	$109.3M	↓ 0.54%

	FY22	Y/Y Change
Operating Cash Flow	$10.4M	↑ 175.31%
Investing Cash Flow	$-229.8M	↑ 111.3%
Financing Cash Flow	$232.3M	↑ 112.47%

	FY23	Y/Y Change
Operating Cash Flow	$6.9M	↓ 33.57%
Investing Cash Flow	$-199.7M	↓ 13.12%
Financing Cash Flow	$197.6M	↓ 14.94%

	FY24	Y/Y Change
Operating Cash Flow	$15.6M	↑ 126.75%
Investing Cash Flow	$-125.5M	↓ 37.16%
Financing Cash Flow	$126.8M	↓ 35.82%

Q1 FY24

Q2 FY24

Q3 FY24

Q4 FY24

Q1 FY25

Q2 FY25

	Q1 FY24	Q/Q Change
Operating Cash Flow	$2.5M	↑ 650.44%
Investing Cash Flow	$-75.4M	↓ 25.24%
Financing Cash Flow	$147.3M	↑ 101.23%

	Q2 FY24	Q/Q Change
Operating Cash Flow	$3.1M	↑ 21.7%
Investing Cash Flow	$-6.0M	↓ 92.01%
Financing Cash Flow	$-44.1M	↓ 129.95%

	Q3 FY24	Q/Q Change
Operating Cash Flow	$4.0M	↑ 29.46%
Investing Cash Flow	$-16.8M	↑ 178.35%
Financing Cash Flow	$40.3M	↓ 191.38%

	Q4 FY24	Q/Q Change
Operating Cash Flow	$6.0M	↑ 48.63%
Investing Cash Flow	$-27.2M	↑ 62.32%
Financing Cash Flow	$-16.7M	↓ 141.38%

	Q1 FY25	Q/Q Change
Operating Cash Flow	$3.1M	↓ 47.37%
Investing Cash Flow	$5.7M	↓ 120.98%
Financing Cash Flow	$41.0M	↓ 345.58%

	Q2 FY25	Q/Q Change
Operating Cash Flow	$6.2M	↑ 96.4%
Investing Cash Flow	$16.2M	↑ 183.68%
Financing Cash Flow	$15.9M	↓ 61.13%

Optimumbank Technicals Summary

Sell

Neutral

Buy

Optimumbank is currently not in a favorable trading position ( SELL ) according to technical analysis indicators.

Optimumbank Holdings Inc Vs Peers

Returns

Ratio's

Overview

Company Name	1 Month	6 Month	1 Year	3 Years	5 Years
Optimumbank Holdings Inc	-5.53%	0.47%	-6.36%	2.89%	72.18%
Nu Holdings Ltd.	21.07%	41.31%	-0.3%	201.94%	43.22%
U.s. Bancorp	8.7%	5.69%	5.35%	6.54%	33.2%
Icici Bank Ltd.	-5.79%	13.84%	7.66%	44.65%	191.82%
Pnc Financial Services Group, Inc.	9.05%	9.5%	12.46%	30.95%	85.92%
Mizuho Financial Group, Inc.	12.03%	17.2%	56.26%	191.19%	141.24%

Company Name	P/E Ratio	P/B Ratio	PEG Ratio	EPS	ROE	ROA	Div Yield	BVPS
Optimumbank Holdings Inc	3.36	3.36	0.0	0.62	0.15	0.02	NA	9.48
Nu Holdings Ltd.	31.43	31.43	NA	0.61	0.28	0.04	NA	1.98
U.s. Bancorp	11.64	11.64	1.8	4.38	0.12	0.01	0.04	35.02
Icici Bank Ltd.	18.89	18.89	0.0	1.52	0.18	0.02	0.01	461.87
Pnc Financial Services Group, Inc.	14.19	14.19	2.27	15.53	0.11	0.01	0.03	131.61
Mizuho Financial Group, Inc.	13.9	13.9	1.33	0.0	0.08	0.0	0.03	4217.53

Company Name	Analyst View	Market Cap	5 Years Return %	PE Ratio	Profit Margin
Optimumbank Holdings Inc	NA	$51.4M	72.18%	3.36	35.68%
Nu Holdings Ltd.	Buy	$71.4B	43.22%	31.43	39.32%
U.s. Bancorp	Hold	$75.7B	33.2%	11.64	27.0%
Icici Bank Ltd.	Buy	$115.4B	191.82%	18.89	25.74%
Pnc Financial Services Group, Inc.	Buy	$81.7B	85.92%	14.19	29.23%
Mizuho Financial Group, Inc.	Buy	$83.1B	141.24%	13.9	22.79%

About Optimumbank Holdings Inc

OptimumBank Holdings, Inc. operates as the bank holding company for OptimumBank that provides various consumer and commercial banking services to individuals and businesses. The company accepts demand interest-bearing and noninterest-bearing, savings, money market, and NOW accounts, as well as time deposits, wire transfers, ACH services, and certificates of deposit. It also offers multi-family real estate, residential and commercial real estate, and land and construction loans; commercial loans for working capital purposes or acquiring equipment, inventory, and furniture; and consumer loans for various purposes, including purchases of automobiles, recreational vehicles, boats, home improvements, lines of credit, personal, and deposit account collateralized loans. In addition, the company provides debit and ATM cards; cash management, notary, and night depository services; and direct deposits, money orders, cashier's checks, domestic collections, and banking by mail, as well as internet banking services. OptimumBank Holdings, Inc. was founded in 2000 and is based in Fort Lauderdale, Florida.

Organization	Optimumbank
Employees	73
CEO	Mr. Timothy L. Terry
Industry	Finance

Key Management of Optimumbank Holdings Inc

Name	Title
Mr. Timothy L. Terry	Principal Executive Officer
Mr. Elliot Nunez	Executive VP & CFO
Ms. Lesile M. Legg	Vice President of Bank Operations, Branch Administration & Human Resources
Mr. Frank A. Nelson	Senior Vice President of Lending

Important FAQs about investing in OPHC Stock from India :

What is Optimumbank share price today?

Optimumbank share price today is $4.25 as on August 30, 2025 at 1:29 am IST at the close of the market. Optimumbank share today touched a day high of $4.30 and a low of $4.25.

What is the 52 week high and 52 week low for Optimumbank share?

Optimumbank share touched a 52 week high of $5.90 and a 52 week low of $3.53. Optimumbank stock price today i.e. August 30, 2025 at 1:29 am IST is closed at $4.25, lower by 27.97% versus the 52 week high.

How to invest in Optimumbank Stock (OPHC) from India?

Step 1: Open a free US stocks account on INDmoney App and transfer your Rupees into Dollars to your INDmoney US stocks account. For a step by step instruction, check How to Transfer Money to Your US Stocks Account .
Step 2: Search for Optimumbank on INDmoney app. Click on Buy button. You can invest as low as $1.5 in Optimumbank Shares that will get you 0.3529 shares as per Optimumbank share price of $4.25 per share as on August 30, 2025 at 1:29 am IST.

What is the minimum amount required to buy Optimumbank Stock (OPHC) from India?

Indian investors can start investing in Optimumbank (OPHC) shares with as little as ₹88.286 or $1 (as of August 31, 2025) using the INDmoney app.
For example: If you want to invest $10 or ₹882.86 in Optimumbank stock (as per the Rupee-Dollar exchange rate as on August 31, 2025). Based on Optimumbank share’s latest price of $4.25 as on August 30, 2025 at 1:29 am IST, you will get 2.3529 shares of Optimumbank. Learn more about fractional shares .

What are the returns that Optimumbank has given to Indian investors in the last 5 years?

Optimumbank stock has given 72.18% share price returns and 20.51% dollar appreciation to an Indian investor in the last 5 years.
Read more about How do Currency Exchange Rates impact your returns on US Stock Investments?