OptimumBank (OPHC)
Market Price (5/25/2026): $5.5 | Market Cap: $65.9 MilSector: Financials | Industry: Regional Banks
OptimumBank (OPHC)
Market Price (5/25/2026): $5.5Market Cap: $65.9 MilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 26%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 22%, FCF Yield is 33% Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -147% Strong revenue growthRev Chg LTMRevenue Change % Last Twelve Months (LTM) is 31% Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 42%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 40% Low stock price volatilityVol 12M is 27% | Trading close to highsDist 52W High is -1.1%, Dist 3Y High is -1.1% Weak multi-year price returns2Y Excs Rtn is -14% | Key risksOPHC key risks include [1] a high concentration of credit risk in South Florida real estate and [2] an inability to generate returns that exceed its cost of capital. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 26%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 22%, FCF Yield is 33% |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -147% |
| Strong revenue growthRev Chg LTMRevenue Change % Last Twelve Months (LTM) is 31% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 42%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 40% |
| Low stock price volatilityVol 12M is 27% |
| Trading close to highsDist 52W High is -1.1%, Dist 3Y High is -1.1% |
| Weak multi-year price returns2Y Excs Rtn is -14% |
| Key risksOPHC key risks include [1] a high concentration of credit risk in South Florida real estate and [2] an inability to generate returns that exceed its cost of capital. |
Qualitative Assessment
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OptimumBank (OPHC) stock has gained about 15% since 1/31/2026 because of the following key factors:
1. Exceptional Q1 2026 Financial Results and Strong Balance Sheet Expansion.
OptimumBank Holdings, Inc. reported a 20.5% year-over-year increase in net income to $4.7 million for the first quarter of 2026, driven by a $3.8 million improvement in net interest income. This strong performance was complemented by significant balance sheet growth, with total deposits rising 17.3% to $1.09 billion and gross loans increasing 13.8% to $1.09 billion during the quarter. The company's Net Interest Margin (NIM) also expanded to 4.49% in Q1 2026, up from 4.06% in Q1 2025.
2. Initiation of Positive Analyst Coverage.
The company garnered new equity research coverage from two firms in April 2026, signaling increased institutional interest and external validation. Alliance Global Partners initiated coverage on April 10, 2026, with a "Buy" rating and a $6.50 price target. Shortly after, Brean Capital also began coverage on April 20, 2026, issuing a "Buy" rating with an $8 price target.
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1. Exceptional Q1 2026 Financial Results and Strong Balance Sheet Expansion.
OptimumBank Holdings, Inc. reported a 20.5% year-over-year increase in net income to $4.7 million for the first quarter of 2026, driven by a $3.8 million improvement in net interest income. This strong performance was complemented by significant balance sheet growth, with total deposits rising 17.3% to $1.09 billion and gross loans increasing 13.8% to $1.09 billion during the quarter. The company's Net Interest Margin (NIM) also expanded to 4.49% in Q1 2026, up from 4.06% in Q1 2025.
2. Initiation of Positive Analyst Coverage.
The company garnered new equity research coverage from two firms in April 2026, signaling increased institutional interest and external validation. Alliance Global Partners initiated coverage on April 10, 2026, with a "Buy" rating and a $6.50 price target. Shortly after, Brean Capital also began coverage on April 20, 2026, issuing a "Buy" rating with an $8 price target.
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Stock Movement Drivers
Fundamental Drivers
The 17.4% change in OPHC stock from 1/31/2026 to 5/24/2026 was primarily driven by a 16.5% change in the company's Total Revenues ($ Mil).| (LTM values as of) | 1312026 | 5242026 | Change |
|---|---|---|---|
| Stock Price ($) | 4.71 | 5.53 | 17.4% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 46 | 54 | 16.5% |
| Net Income Margin (%) | 34.2% | 32.5% | -4.9% |
| P/E Multiple | 3.5 | 3.8 | 7.8% |
| Shares Outstanding (Mil) | 12 | 12 | -1.7% |
| Cumulative Contribution | 17.4% |
Market Drivers
1/31/2026 to 5/24/2026| Return | Correlation | |
|---|---|---|
| OPHC | 17.4% | |
| Market (SPY) | 8.1% | 20.5% |
| Sector (XLF) | -2.3% | 16.3% |
Fundamental Drivers
The 35.2% change in OPHC stock from 10/31/2025 to 5/24/2026 was primarily driven by a 24.5% change in the company's Total Revenues ($ Mil).| (LTM values as of) | 10312025 | 5242026 | Change |
|---|---|---|---|
| Stock Price ($) | 4.09 | 5.53 | 35.2% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 43 | 54 | 24.5% |
| Net Income Margin (%) | 34.2% | 32.5% | -4.9% |
| P/E Multiple | 3.3 | 3.8 | 16.3% |
| Shares Outstanding (Mil) | 12 | 12 | -1.9% |
| Cumulative Contribution | 35.2% |
Market Drivers
10/31/2025 to 5/24/2026| Return | Correlation | |
|---|---|---|
| OPHC | 35.2% | |
| Market (SPY) | 9.9% | 17.3% |
| Sector (XLF) | 0.0% | 15.6% |
Fundamental Drivers
The 27.7% change in OPHC stock from 4/30/2025 to 5/24/2026 was primarily driven by a 36.5% change in the company's Total Revenues ($ Mil).| (LTM values as of) | 4302025 | 5242026 | Change |
|---|---|---|---|
| Stock Price ($) | 4.33 | 5.53 | 27.7% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 39 | 54 | 36.5% |
| Net Income Margin (%) | 33.4% | 32.5% | -2.7% |
| P/E Multiple | 3.5 | 3.8 | 7.0% |
| Shares Outstanding (Mil) | 11 | 12 | -10.2% |
| Cumulative Contribution | 27.7% |
Market Drivers
4/30/2025 to 5/24/2026| Return | Correlation | |
|---|---|---|
| OPHC | 27.7% | |
| Market (SPY) | 36.0% | 23.6% |
| Sector (XLF) | 8.2% | 24.6% |
Fundamental Drivers
The 83.7% change in OPHC stock from 4/30/2023 to 5/24/2026 was primarily driven by a 185.6% change in the company's Total Revenues ($ Mil).| (LTM values as of) | 4302023 | 5242026 | Change |
|---|---|---|---|
| Stock Price ($) | 3.01 | 5.53 | 83.7% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 19 | 54 | 185.6% |
| Net Income Margin (%) | 21.4% | 32.5% | 51.8% |
| P/E Multiple | 5.1 | 3.8 | -25.8% |
| Shares Outstanding (Mil) | 7 | 12 | -42.9% |
| Cumulative Contribution | 83.7% |
Market Drivers
4/30/2023 to 5/24/2026| Return | Correlation | |
|---|---|---|
| OPHC | 83.7% | |
| Market (SPY) | 86.3% | 17.8% |
| Sector (XLF) | 64.4% | 16.1% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| OPHC Return | 17% | 4% | 2% | 14% | -11% | 30% | 64% |
| Peers Return | 27% | -0% | -8% | 22% | 20% | 4% | 78% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | 9% | 98% |
Monthly Win Rates [3] | |||||||
| OPHC Win Rate | 67% | 58% | 42% | 58% | 50% | 80% | |
| Peers Win Rate | 70% | 50% | 45% | 55% | 63% | 44% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 60% | |
Max Drawdowns [4] | |||||||
| OPHC Max Drawdown | -43% | -30% | -35% | -15% | -24% | -9% | |
| Peers Max Drawdown | -22% | -26% | -50% | -18% | -27% | -17% | |
| S&P 500 Max Drawdown | -5% | -25% | -10% | -8% | -19% | -9% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: SBCF, BKU, ABCB, FHN, TFC.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 5/22/2026 (YTD)
How Low Can It Go
| Event | OPHC | S&P 500 |
|---|---|---|
| 2025 US Tariff Shock | ||
| % Loss | -23.8% | -18.8% |
| % Gain to Breakeven | 31.3% | 23.1% |
| Time to Breakeven | 35 days | 79 days |
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -27.3% | -6.7% |
| % Gain to Breakeven | 37.5% | 7.1% |
| Time to Breakeven | 204 days | 31 days |
| 2022 Inflation Shock & Fed Tightening | ||
| % Loss | -18.8% | -24.5% |
| % Gain to Breakeven | 23.1% | 32.4% |
| Time to Breakeven | 26 days | 427 days |
| 2020 COVID-19 Crash | ||
| % Loss | -30.4% | -33.7% |
| % Gain to Breakeven | 43.6% | 50.9% |
| Time to Breakeven | 63 days | 140 days |
| Q4 2018 Fed Policy Error / Growth Scare | ||
| % Loss | -48.8% | -19.2% |
| % Gain to Breakeven | 95.2% | 23.8% |
| Time to Breakeven | 930 days | 105 days |
| 2016-2017 Trump Reflation Bond Selloff | ||
| % Loss | -52.6% | -3.7% |
| % Gain to Breakeven | 111.1% | 3.9% |
| Time to Breakeven | 205 days | 6 days |
In The Past
OptimumBank's stock fell -23.8% during the 2025 US Tariff Shock. Such a loss loss requires a 31.3% gain to breakeven.
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| Event | OPHC | S&P 500 |
|---|---|---|
| 2025 US Tariff Shock | ||
| % Loss | -23.8% | -18.8% |
| % Gain to Breakeven | 31.3% | 23.1% |
| Time to Breakeven | 35 days | 79 days |
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -27.3% | -6.7% |
| % Gain to Breakeven | 37.5% | 7.1% |
| Time to Breakeven | 204 days | 31 days |
| 2020 COVID-19 Crash | ||
| % Loss | -30.4% | -33.7% |
| % Gain to Breakeven | 43.6% | 50.9% |
| Time to Breakeven | 63 days | 140 days |
| Q4 2018 Fed Policy Error / Growth Scare | ||
| % Loss | -48.8% | -19.2% |
| % Gain to Breakeven | 95.2% | 23.8% |
| Time to Breakeven | 930 days | 105 days |
| 2016-2017 Trump Reflation Bond Selloff | ||
| % Loss | -52.6% | -3.7% |
| % Gain to Breakeven | 111.1% | 3.9% |
| Time to Breakeven | 205 days | 6 days |
| 2011 US Debt Ceiling Crisis & European Contagion | ||
| % Loss | -52.1% | -17.9% |
| % Gain to Breakeven | 108.9% | 21.8% |
| Time to Breakeven | 159 days | 123 days |
In The Past
OptimumBank's stock fell -23.8% during the 2025 US Tariff Shock. Such a loss loss requires a 31.3% gain to breakeven.
Preserve Wealth
Limiting losses and compounding gains is essential to preserving wealth.
Asset Allocation
Actively managed asset allocation strategies protect wealth. Learn more.
About OptimumBank (OPHC)
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, and banking by mail, as well as internet banking services. It operates through two banking offices located in Broward County, Florida. The company was founded in 2000 and is based in Fort Lauderdale, Florida.
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- It's a community bank, like a hyper-local version of Bank of America for businesses and individuals in Broward County, Florida.
- Think of it as a small, independent bank, akin to a neighborhood branch of a larger regional bank like Truist, but serving Fort Lauderdale and surrounding Broward County.
- It's like a local credit union, but structured as a publicly traded bank, serving the Fort Lauderdale area.
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- Deposit Accounts: OptimumBank offers various checking, savings, money market, and time deposit accounts, including certificates of deposit.
- Lending Services: The bank provides a wide range of loans, such as real estate, commercial, construction, and consumer loans, along with lines of credit.
- Card Services: Customers can access their funds and make transactions using debit and ATM cards.
- Cash Management & Investment Services: OptimumBank assists businesses and individuals with tools for managing their investments and cash flow.
- Ancillary Banking Services: These include direct deposits, money orders, cashier's checks, notary, night depository, and internet banking services.
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OptimumBank (OPHC) serves a diverse customer base, primarily consisting of individuals and businesses within Broward County, Florida. As a community bank, it does not have a few major named corporate customers; rather, its clientele is spread across several categories:
- Individual Customers (Consumers): This category includes residents seeking personal banking services. They utilize demand, interest-bearing, and noninterest-bearing accounts, savings, money market, NOW accounts, time deposit accounts, certificates of deposit, residential real estate loans, and various consumer loans. They also use debit and ATM cards, direct deposits, and money orders.
- Commercial Businesses: This category encompasses small to medium-sized businesses that require a range of commercial banking services. These include commercial loans, lending lines for working capital needs, commercial real estate loans, land and construction loans, and business deposit accounts. They also benefit from services like investment, cash management, notary, night depository, and domestic collections.
- Real Estate Developers and Investors: Given OptimumBank's significant offering of residential and commercial real estate, multi-family real estate, and land and construction loans, this represents a key segment of their business clientele. These customers are typically involved in property acquisition, development, and investment within the local Florida market.
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The following are identified as major suppliers for OptimumBank Holdings, Inc. (OPHC):
- MSL, P.A.
- Visa Inc. (V)
- Mastercard Incorporated (MA)
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Timothy Terry, Chief Executive Officer
Timothy Terry has served as President and Chief Executive Officer of OptimumBank since February 2013 and as the Company's Principal Executive Officer since June 2016. He brings over 35 years of banking experience to his role. Prior to joining OptimumBank, he held senior leadership positions, including President, CEO, and Senior Loan Officer for Enterprise Bank of Florida. He also held senior lending, branch administration, and sales management roles at Palm Beach National Bank & Trust, Flagler National Bank of the Palm Beaches, and Comerica Bank.
Elliot Nunez, Executive Vice President and Chief Financial Officer
Elliot Nunez has been the Chief Financial Officer of OptimumBank since February 2020. In this capacity, he oversees the bank's financial operations and strategic positioning. His previous experience includes serving as Chief Financial Officer for Brickell Bank and Mellon United National Bank. Mr. Nunez also worked as a Senior Manager at KPMG LLP, providing assurance and advisory services to banking clients. He is a licensed Certified Public Accountant and a Chartered Global Management Accountant.
Moishe Gubin, Chairman of the Board
Moishe Gubin has served as a Director of OptimumBank Holdings, Inc. and OptimumBank since March 2010. He is the Chief Executive Officer of Strawberry Fields REIT, LLC, which owns a portfolio of healthcare properties. From 2004 to 2014, he was the Chief Financial Officer and manager of Infinity Healthcare Management, LLC, a company involved in managing skilled nursing and other healthcare facilities. Mr. Gubin is a licensed Certified Public Accountant in New York and founded the Midwest Torah Center Inc., a non-profit spiritual outreach center.
Melissa Zureich, Chief Credit Officer
Melissa Zureich joined OptimumBank as Chief Credit Officer in May 2022. She is responsible for all aspects of Credit Administration, including credit policy, loan asset quality, loan underwriting, and loan operations. Ms. Zureich has held Chief Credit Officer positions for three banks over the past two decades. Before joining OptimumBank, she was the Director of Credit Administration at BayFirst Financial, where she managed the credit administration function for a diverse and growing SBA portfolio.
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Key Risks to OptimumBank (OPHC)
- Credit Risk and Real Estate Concentration: A significant portion of OptimumBank's loan portfolio is collateralized by real estate in South Florida, making the business highly susceptible to local economic downturns. This concentration also introduces risks related to the uncertain future value of collateral and the repayment capabilities of individual borrowers. The bank's allowance for credit losses is sensitive to broader economic conditions and borrower ability to pay.
- Interest Rate Risk: OptimumBank's profitability largely depends on net interest income, which is directly affected by interest rate spreads. Fluctuations in interest rates, especially sudden and substantial increases, can negatively impact net interest income if interest-earning assets and interest-bearing liabilities do not reprice at similar rates or to the same extent.
- Competitive Environment: The bank operates within a highly competitive banking industry, facing strong competition in attracting deposits and originating loans. This intense competition can influence deposit flows, the cost of funds, and overall lending activities, affecting the bank's operational and financial performance.
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The rise of fintech companies and neobanks offering digital-first banking services with highly competitive rates, lower fees, and enhanced online/mobile experiences. These entities directly compete for core banking services, including deposit accounts and simpler loan products, potentially eroding OptimumBank's customer base and limiting its future growth opportunities, particularly among digitally-savvy consumers.AI Analysis | Feedback
```htmlAddressable Markets for OptimumBank (OPHC)
OptimumBank, operating through two banking offices in Broward County, Florida, addresses the following markets for its main products and services:
- Deposit Products (Demand, Savings, Money Market, NOW, Time Deposits, CDs): The addressable market for deposits in the Miami-Fort Lauderdale-West Palm Beach Metropolitan Statistical Area, which includes Broward County, was approximately $336.3 billion as of June 30, 2025.
- Residential Real Estate Loans (New Home Loans): The addressable market for new home loans across Florida was $87.1 billion in 2024.
- Commercial Loans (including lines for working capital needs, small business loans): The addressable market for small business loans across Florida was $52.9 billion.
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Here are 3-5 expected drivers of future revenue growth for OptimumBank (OPHC) over the next 2-3 years:
- Sustained Loan Growth, particularly in Commercial Real Estate: OptimumBank has demonstrated significant loan growth, with a reported 19% increase in 2025 and guidance anticipating over 25% loan growth, specifically highlighting commercial real estate as a primary driver.
- Expansion into New Lending Verticals: The company is launching a new wholly-owned subsidiary, OptimumFunding, to establish a HUD and FHA lending platform, which represents a new specialized financing solution and revenue stream for 2026.
- Geographic Expansion: OptimumBank has outlined plans for geographic expansion in 2026, building upon its existing presence in South Florida.
- Strategic Investments in Technology: The bank is making strategic investments in a new digital core platform, which is expected to enhance scalability and improve the user experience, potentially attracting and retaining more customers through advanced service offerings.
- Growth of the SBA Lending Program: OptimumBank has successfully achieved SBA Preferred Lender status and has rapidly developed its SBA lending program from inception, indicating a growing segment with further revenue potential.
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Share Issuance
- As part of a capital structure modernization at year-end 2025, AllianceBernstein converted 350,000 shares of common stock into preferred stock in October 2025.
- In January 2026, Director Michael Blisko exchanged 65 shares of Series B Convertible Preferred Stock for 531,178 newly issued shares of OptimumBank Holdings common stock.
- In October 2025, OptimumBank amended its Series B preferred stock to align with its Series C preferred stock, impacting diluted common share counts and related financial disclosures.
Inbound Investments
- Leading up to January 2026, AllianceBernstein, a major institutional investor, significantly increased its economic exposure to OptimumBank Holdings through open-market purchases and direct investments in both common and preferred equity.
- During the first quarter of 2025, $8.6 million of new investment contributed to the Bank's Tier 1 capital growth.
Outbound Investments
- In late 2025/early 2026, OptimumBank established OptimumHUD Loans, LLC, a new subsidiary, contributing $1 million in capital to originate HUD-insured mortgage loans.
Capital Expenditures
- OptimumBank has made continuous investments in technology, talent, and targeted growth strategies to scale the organization.
- Strategic investments in a new digital core platform were implemented in 2025 to enhance scalability and user experience.
- Net Property, Plant & Equipment increased from $2.58 million in fiscal year 2021 to $5.11 million in fiscal year 2025, reflecting investments in physical assets.
Trade Ideas
Select ideas related to OPHC.
| Date | Ticker | Company | Category | Trade Strategy | 6M Fwd Rtn | 12M Fwd Rtn | 12M Max DD |
|---|---|---|---|---|---|---|---|
| 04302026 | EEFT | Euronet Worldwide | Dip Buy | DB | P/E OPMDip Buy with Low PE and High MarginBuying dips for companies with tame PE and meaningfully high operating margin | 0.0% | 0.0% | 0.0% |
| 04242026 | HOMB | Home BancShares | Insider | Insider Buys | Low D/EStrong Insider BuyingCompanies with strong insider buying in the last 1 month, positive operating income and reasonable debt / market cap | 1.5% | 1.5% | 0.0% |
| 03312026 | HBAN | Huntington Bancshares | Insider | Insider Buys 45DStrong Insider BuyingCompanies with multiple insider buys in the last 45 days | 7.1% | 7.1% | 0.0% |
| 03312026 | NP | Neptune Insurance | Insider | Insider Buys 45DStrong Insider BuyingCompanies with multiple insider buys in the last 45 days | 3.9% | 3.9% | 0.0% |
| 03272026 | JKHY | Jack Henry & Associates | Monopoly | MY | Getting CheaperMonopoly-Like with P/S DeclineLarge cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple | 0.3% | 0.3% | -4.0% |
Research & Analysis
Invest in Strategies
Wealth Management
Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 38.35 |
| Mkt Cap | 4.6 |
| Rev LTM | 1,157 |
| Op Inc LTM | - |
| FCF LTM | 433 |
| FCF 3Y Avg | 418 |
| CFO LTM | 446 |
| CFO 3Y Avg | 428 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 18.3% |
| Rev Chg 3Y Avg | 5.7% |
| Rev Chg Q | 8.8% |
| QoQ Delta Rev Chg LTM | 2.1% |
| Op Inc Chg LTM | - |
| Op Inc Chg 3Y Avg | - |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 33.2% |
| CFO/Rev 3Y Avg | 37.1% |
| FCF/Rev LTM | 32.5% |
| FCF/Rev 3Y Avg | 35.2% |
Valuation
| Median | |
|---|---|
| Name | |
| Mkt Cap | 4.6 |
| P/S | 3.3 |
| P/Op Inc | - |
| P/EBIT | - |
| P/E | 11.9 |
| P/CFO | 10.7 |
| Total Yield | 10.8% |
| Dividend Yield | 1.5% |
| FCF Yield 3Y Avg | 11.5% |
| D/E | 0.5 |
| Net D/E | -1.0 |
Returns
| Median | |
|---|---|
| Name | |
| 1M Rtn | -0.1% |
| 3M Rtn | -4.9% |
| 6M Rtn | 13.0% |
| 12M Rtn | 28.0% |
| 3Y Rtn | 123.0% |
| 1M Excs Rtn | -6.7% |
| 3M Excs Rtn | -9.8% |
| 6M Excs Rtn | 3.9% |
| 12M Excs Rtn | 0.9% |
| 3Y Excs Rtn | 42.8% |
Price Behavior
Price Behavior
| Market Price | $5.53 | |
| Market Cap ($ Bil) | 0.1 | |
| First Trading Date | 06/23/2003 | |
| Distance from 52W High | -1.1% | |
| 50 Days | 200 Days | |
| DMA Price | $5.39 | $4.66 |
| DMA Trend | up | up |
| Distance from DMA | 2.5% | 18.8% |
| 3M | 1YR | |
| Volatility | 29.2% | 27.4% |
| Downside Capture | 58.77 | 63.20 |
| Upside Capture | 53.26 | 69.57 |
| Correlation (SPY) | 16.4% | 20.8% |
OPHC Betas & Captures as of 4/30/2026
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | -0.59 | 0.30 | 0.47 | 0.37 | 0.52 | 0.37 |
| Up Beta | -1.05 | -0.99 | -0.70 | -0.48 | 0.28 | 0.30 |
| Down Beta | 2.49 | 1.21 | 1.21 | 0.86 | 0.49 | 0.30 |
| Up Capture | 27% | 66% | 102% | 87% | 61% | 22% |
| Bmk +ve Days | 15 | 22 | 31 | 66 | 141 | 428 |
| Stock +ve Days | 10 | 19 | 29 | 66 | 123 | 350 |
| Down Capture | -188% | 59% | 48% | 19% | 66% | 61% |
| Bmk -ve Days | 4 | 18 | 30 | 56 | 108 | 321 |
| Stock -ve Days | 10 | 21 | 32 | 54 | 113 | 315 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with OPHC | |
|---|---|---|---|---|
| OPHC | 26.7% | 27.3% | 0.85 | - |
| Sector ETF (XLF) | 4.9% | 14.5% | 0.11 | 22.5% |
| Equity (SPY) | 29.5% | 12.0% | 1.86 | 20.6% |
| Gold (GLD) | 35.5% | 26.8% | 1.11 | -1.6% |
| Commodities (DBC) | 42.9% | 18.7% | 1.77 | -8.5% |
| Real Estate (VNQ) | 15.2% | 13.1% | 0.82 | 19.9% |
| Bitcoin (BTCUSD) | -31.3% | 41.8% | -0.78 | 13.7% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with OPHC | |
|---|---|---|---|---|
| OPHC | 5.0% | 42.3% | 0.25 | - |
| Sector ETF (XLF) | 8.4% | 18.6% | 0.33 | 14.9% |
| Equity (SPY) | 14.0% | 17.0% | 0.64 | 15.1% |
| Gold (GLD) | 18.8% | 18.0% | 0.85 | -1.2% |
| Commodities (DBC) | 10.4% | 19.4% | 0.42 | 6.7% |
| Real Estate (VNQ) | 3.8% | 18.8% | 0.10 | 13.5% |
| Bitcoin (BTCUSD) | 11.6% | 55.3% | 0.41 | 7.6% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with OPHC | |
|---|---|---|---|---|
| OPHC | 1.3% | 102.5% | 0.34 | - |
| Sector ETF (XLF) | 12.9% | 22.1% | 0.53 | 4.5% |
| Equity (SPY) | 15.7% | 17.9% | 0.75 | 5.8% |
| Gold (GLD) | 13.0% | 16.0% | 0.67 | -0.3% |
| Commodities (DBC) | 7.8% | 17.9% | 0.35 | 2.1% |
| Real Estate (VNQ) | 5.5% | 20.7% | 0.23 | 5.0% |
| Bitcoin (BTCUSD) | 66.7% | 66.9% | 1.06 | 5.4% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Earnings Returns History
Expand for More| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 4/24/2026 | 1.7% | 0.6% | |
| 1/20/2026 | -0.4% | 0.6% | 10.1% |
| 10/16/2025 | -2.2% | -2.9% | 0.9% |
| 8/6/2025 | -11.0% | -5.1% | -7.0% |
| 4/22/2024 | 0.0% | 4.5% | 5.3% |
| 2/5/2024 | -9.3% | -10.4% | -2.2% |
| 10/6/2023 | 0.9% | 1.3% | -0.6% |
| SUMMARY STATS | |||
| # Positive | 3 | 4 | 3 |
| # Negative | 4 | 3 | 3 |
| Median Positive | 0.9% | 0.9% | 5.3% |
| Median Negative | -5.8% | -5.1% | -2.2% |
| Max Positive | 1.7% | 4.5% | 10.1% |
| Max Negative | -11.0% | -10.4% | -7.0% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 03/31/2026 | 05/12/2026 | 10-Q |
| 12/31/2025 | 02/26/2026 | 10-K |
| 09/30/2025 | 11/10/2025 | 10-Q |
| 06/30/2025 | 08/08/2025 | 10-Q |
| 03/31/2025 | 05/12/2025 | 10-Q |
| 12/31/2024 | 02/26/2025 | 10-K |
| 09/30/2024 | 11/08/2024 | 10-Q |
| 06/30/2024 | 08/05/2024 | 10-Q |
| 03/31/2024 | 05/13/2024 | 10-Q |
| 12/31/2023 | 03/08/2024 | 10-K |
| 09/30/2023 | 11/09/2023 | 10-Q |
| 06/30/2023 | 08/09/2023 | 10-Q |
| 03/31/2023 | 05/10/2023 | 10-Q |
| 12/31/2022 | 03/06/2023 | 10-K |
| 09/30/2022 | 11/10/2022 | 10-Q |
| 06/30/2022 | 08/08/2022 | 10-Q |
Insider Activity
Expand for More| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Terry, Timothy | PEO | Direct | Sell | 2042026 | 4.73 | 39,304 | Form | ||
| 2 | Blisko, Michael | Direct | Sell | 12082025 | 4.09 | 7,600 | 31,084 | 2,472,998 | Form | |
| 3 | Gubin, Moishe | Partnership | Buy | 6122025 | 4.53 | 264 | 1,196 | 3,598,940 | Form | |
| 4 | Gubin, Moishe | Partnership | Buy | 6122025 | 4.55 | 300 | 1,365 | 3,613,628 | Form | |
| 5 | Gubin, Moishe | Partnership | Buy | 6122025 | 4.53 | 700 | 3,171 | 3,596,385 | Form |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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