OptimumBank Holdings

OPHC

Banks - Regional · Financial Services

Price

$6.30

+0.32 (+5.35%)

Market Cap

$77.3M

Exchange

New York Stock Exchange American

Winston Score

Winston is happy

A high-quality business with solid fundamentals.

Data as of Jul 25, 2026 · filings through Jun 30, 2026

Share count rising — dilution

+214.9% over 4y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 3.9M (2021) → 12.3M (2025)

OptimumBank Holdings is a small community bank based in Fort Lauderdale, Florida. It operates through its subsidiary, OptimumBank, offering everyday banking services like checking and savings accounts, personal loans, and mortgages. Its main customers are individuals and small businesses in South Florida.

The bank makes money the traditional way — it takes in deposits and lends that money out at higher interest rates, earning the difference. OptimumBank is a very small institution with around $100 million in market value, competing against much larger regional and national banks in a crowded Florida market. Its size gives it flexibility to serve local customers but also leaves it exposed to interest rate swings, which directly affect how much profit it earns on loans. Growing its loan book and deposit base in a competitive market remains the key challenge for the bank going forward.

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+14.5% YoY

YoY Growth Rate

Steady revenue growth

EPS Growth

+29.0% YoY

YoY Growth Rate

EPS growth accelerating

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

21.9%ownership

Insiders own a meaningful stake in the company

Cash Position

Cash flow positive

$41M cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Growth + cash flow

OptimumBank Holdings is a rare growth stock that's already generating positive cash flow while growing at 14%. The Winston Score doesn't fully credit this transition from "burner" to "earner."

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Gross Margin

74.7%

Premium pricing power — 74.7% gross margin

Operating Margin

44.3%

Excellent — 44.3% operating margin

ROCE

6.5%

Weak — 6.5% return on capital

ROIC between 5% and 15%. They earn 5 to 15 cents back per year on every dollar invested.

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Growth

Sales YoY

+17.7%

Fast-growing sales (17.7% YoY)

EPS YoY

+15.4%

Earnings growing fast (15.4% YoY)

Healthy double-digit earnings growth — what compounders look like.

EPS Consistency

8/8 quarters

Every recent quarter grew earnings vs last year

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Cash Flow

Cash Conversion

110%

Turns 110% of profit into real cash

FCF Margin

27.4%

Converts sales into free cash efficiently (27.4%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

Debt / Equity

0.02

Conservative — low debt load (0.02)

Interest Cover

1.13x

Dangerous — barely covers interest (1.1x)

Interest coverage between 1 and 3. Profits cover interest, but with little room to spare.

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Valuation

P/E Ratio (TTM)

4.0x

Attractive valuation — P/E 4.0

P/E under 10. The price tag is small relative to last year's profit.

P/E vs Forward

-3.3

SLOWING

Earnings expected to fall — forward P/E higher than today

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Dividends

Not applicable for this business.

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