Expectations trend
FY2027 · fiscal year ending 2027-12-31 · fmp
OptimumBank Holdings Inc (OPHC)
AMEXFinancialsBanks - RegionalSnapshot 2026-11-04
$8.68-3.02%
Close 2026-11-05 · 1-day change
AMEXFinancialsBanks - RegionalSnapshot 2026-11-04
The long-term thesis, the evidence coming in, and the environment around it. Thesis dated Jul 8, 2026.
Next-FY EPS estimate change · 30 days
1.31 → 1.31 EPS · FY ending Dec 31, 2027 · 2 analysts
One observable signal. This measures changing earnings expectations, not the probability of a gain or loss.
Change in the same fiscal period’s mean EPS estimate from Oct 5, 2026 to Nov 4, 2026: (new ÷ prior − 1). Contributor count changed from 1 to 2; this is not the number of analysts revising. The ±10% axis is a display range.
The EPS and P/E reference is not available for OPHC yet.
| Measure / period | Management expectations | Analyst expectations |
|---|
Management figures unavailable.
Current consensus figures unavailable.
4 published thesis conditions, with dated milestones shown separately.
| Key Factor | Why It Matters | Current Status | Break Condition | Latest Evidence |
|---|---|---|---|---|
Maintain EPS growth trajectory | A primary condition in OptimumBank Holdings Inc's published investment case. The stated target is >= $0.20 EPS next quarter. | Intact | EPS falls below $0.18 next quarter | Diluted EPS: $0.28 per share FY2026-Q2; GAAP. Published target: >= $0.20 EPS next quarter. The stored target says 2026-Q1; this source reports FY2026-Q2. Fiscal/calendar alignment needs review. Aug 10, 20260.28 USD/share · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Compare these dated observations with the operating requirements above
FY2027 · fiscal year ending 2027-12-31 · fmp
The evidence, the remaining questions, and what comes next
No recovery evidence is reported in the available driver assessments.
Nov 9, 2026
Look for updated results and guidance against the published targets, plus direct evidence for unresolved drivers.
Observed price history; separate from operating scenarios
The weekly editorial context below is a separate assessment from the dated monitor evidence above. Recovery observations do not automatically change the published thesis. Unverified outside influences are hypotheses, not measured driver evidence.
OPHC is a small-cap financial business whose thesis depends on sustaining loan and deposit growth while expanding income from lending. Its thesis is intact after strong recent performance, though elevated risk and neutral management and earnings-quality assessments keep the picture mixed.
The valuation is rated cheap, and it has fallen recently; the pricing assessment says current expectations are justified, with low fragility. The model shows a durable premium versus peers, but confidence is medium, so the valuation picture is not definitive.
Near term, recent results and management priorities point to continued growth: loans, deposits, net interest income, and net interest margin all increased in the second quarter. Credit loss expense reversed, but the allowance edged lower, so credit quality remains a point to watch; smaller size and declining earnings-surprise trends add risk despite a low estimated miss probability.
The multi-year view depends on management sustaining growth and margin gains while keeping credit quality strong. A guidance cut after the recent increase would damage credibility, while falling rates could weigh on the financial sector; continued earnings strength and higher guidance from sector bellwethers would support sector momentum.
For the next one to three years, OPHC’s strong recent fundamentals support an intact thesis, while credit quality, guidance credibility, and rate sensitivity remain key uncertainties. Not investment advice.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
| Net income also rose from $4.32M to $4.66M, confirming growth. |
| Intact |
| Net income falls below $4.32 million next quarter |
Net income: $6.655M FY2026-Q2; GAAP. Published target: >= $4.66 million net income next quarter. The stored target says 2026-Q1; this source reports FY2026-Q2. Fiscal/calendar alignment needs review. Aug 10, 20266,655,000 USD · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Enhance operating income | Operating income improved from $5.66M to $6.2M, showing better profitability. | Intact | Operating income falls below $5.66 million next quarter | Operating income: $8.838M FY2026-Q2; GAAP. Published target: >= $6.2 million operating income next quarter. The stored target says 2026-Q1; this source reports FY2026-Q2. Fiscal/calendar alignment needs review. Aug 10, 20268,838,000 USD · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Maintain valuation discount to peers | A supporting condition in OptimumBank Holdings Inc's published investment case. The stated target is PE below 10. | Intact | PE rises above 10 without earnings growth | P/E (TTM): 10.16x As of 2026-11-04; trailing twelve months. The target timing and basis require a separate assessment. Nov 4, 202610.1563 ratio · calculatedLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Stored thesis · Jul 8, 2026. Latest Evidence uses source-matched measurements where available, alongside the last thesis-monitor assessment. Source periods and assessment dates are shown separately. A new measurement does not automatically change the published status or verify an older target.
$0.94 → $1.31 · observed estimates
$0.07B → $0.08B · observed estimates
One fiscal period and provider throughout. At least five contributors are required for each plotted metric; missing coverage stays a gap. Axes show the observed range. Counts measure coverage, not revisions.
| Snapshot | EPS | Revenue | EPS / revenue analysts |
|---|---|---|---|
| 2026-07-24 | $0.94 | $66,599,999 | 1 / 1 |
| 2026-07-25 | $0.94 | $66,599,999 | 1 / 1 |
| 2026-07-26 | $0.94 | $66,599,999 | 1 / 1 |
| 2026-07-27 | $0.94 | $66,599,999 | 1 / 1 |
| 2026-07-28 | $0.94 | $66,599,999 | 1 / 1 |
| 2026-07-29 | $0.94 | $66,599,999 | 1 / 1 |
| 2026-07-30 | $0.94 | $66,599,999 | 1 / 1 |
| 2026-07-31 | $1.12 | Unavailable | 2 / 0 |
| 2026-08-01 | $1.00 | $80,000,000 | 1 / 1 |
| 2026-08-02 | $1.12 | Unavailable | 2 / 0 |
| 2026-08-03 | $1.12 | Unavailable | 2 / 0 |
| 2026-08-04 | $1.00 | $80,000,000 | 1 / 1 |
| 2026-08-05 | $1.00 | $80,000,000 | 1 / 1 |
| 2026-08-06 | $1.00 | $80,000,000 | 1 / 1 |
| 2026-08-07 | $1.00 | $80,000,000 | 1 / 1 |
| 2026-08-08 | $1.12 | Unavailable | 2 / 0 |
| 2026-08-09 | $1.12 | Unavailable | 2 / 0 |
| 2026-08-10 | $1.00 | $80,000,000 | 1 / 1 |
| 2026-08-12 | $1.00 | $80,000,000 | 1 / 1 |
| 2026-08-13 | $1.00 | $80,000,000 | 1 / 1 |
| 2026-08-14 | $1.00 | $80,000,000 | 1 / 1 |
| 2026-08-15 | $1.00 | $80,000,000 | 1 / 1 |
| 2026-08-16 | $1.00 | $80,000,000 | 1 / 1 |
| 2026-08-17 | $1.00 | $80,000,000 | 1 / 1 |
| 2026-08-18 | $1.00 | $80,000,000 | 1 / 1 |
| 2026-08-19 | $1.00 | $80,000,000 | 1 / 1 |
| 2026-08-20 | $1.30 | $80,000,000 | 1 / 1 |
| 2026-08-21 | $1.30 | $80,000,000 | 1 / 1 |
| 2026-08-22 | $1.30 | $80,000,000 | 1 / 1 |
| 2026-08-23 | $1.30 | $80,000,000 | 1 / 1 |
| 2026-08-24 | $1.30 | $80,000,000 | 1 / 1 |
| 2026-08-25 | $1.30 | $80,000,000 | 1 / 1 |
| 2026-08-26 | $1.30 | $80,000,000 | 1 / 1 |
| 2026-08-27 | $1.30 | $80,000,000 | 1 / 1 |
| 2026-08-28 | $1.30 | $80,000,000 | 1 / 1 |
| 2026-08-29 | $1.30 | $80,000,000 | 1 / 1 |
| 2026-08-30 | $1.30 | $80,000,000 | 1 / 1 |
| 2026-08-31 | $1.30 | $80,000,000 | 1 / 1 |
| 2026-09-01 | $1.30 | $80,000,000 | 1 / 1 |
| 2026-09-02 | $1.30 | $80,000,000 | 1 / 1 |
| 2026-09-03 | $1.31 | $80,000,000 | 1 / 1 |
| 2026-09-04 | $1.31 | $82,700,000 | 1 / 1 |
| 2026-09-05 | $1.31 | $82,700,000 | 1 / 1 |
| 2026-09-06 | $1.31 | $82,700,000 | 1 / 1 |
| 2026-09-07 | $1.31 | $82,700,000 | 1 / 1 |
| 2026-09-08 | $1.31 | $82,700,000 | 1 / 1 |
| 2026-09-09 | $1.31 | $82,700,000 | 1 / 1 |
| 2026-09-10 | $1.31 | $82,700,000 | 1 / 1 |
| 2026-09-11 | $1.31 | $82,700,000 | 1 / 1 |
| 2026-09-12 | $1.31 | $82,700,000 | 1 / 1 |
| 2026-09-13 | $1.31 | $82,700,000 | 1 / 1 |
| 2026-09-14 | $1.31 | $82,700,000 | 1 / 1 |
| 2026-09-15 | $1.31 | $82,700,000 | 1 / 1 |
| 2026-09-16 | $1.31 | $82,700,000 | 1 / 1 |
| 2026-09-17 | $1.31 | $82,700,000 | 1 / 1 |
| 2026-09-18 | $1.31 | $82,700,000 | 1 / 1 |
| 2026-09-19 | $1.31 | $82,700,000 | 1 / 1 |
| 2026-09-20 | $1.31 | $82,700,000 | 1 / 1 |
| 2026-09-21 | $1.31 | $82,700,000 | 1 / 1 |
| 2026-09-22 | $1.31 | $82,700,000 | 1 / 1 |
| 2026-09-23 | $1.31 | $82,700,000 | 1 / 1 |
| 2026-09-24 | $1.31 | $82,700,000 | 1 / 1 |
| 2026-09-25 | $1.31 | $82,700,000 | 1 / 1 |
| 2026-09-26 | $1.31 | $82,700,000 | 1 / 1 |
| 2026-09-27 | $1.31 | $82,700,000 | 1 / 1 |
| 2026-09-28 | $1.31 | $82,700,000 | 1 / 1 |
| 2026-09-29 | $1.31 | $82,700,000 | 1 / 1 |
| 2026-09-30 | $1.31 | $82,700,000 | 1 / 1 |
| 2026-10-01 | $1.31 | $82,700,000 | 1 / 1 |
| 2026-10-02 | $1.31 | $82,700,000 | 1 / 1 |
| 2026-10-03 | $1.31 | $82,700,000 | 1 / 1 |
| 2026-10-04 | $1.31 | $82,700,000 | 1 / 1 |
| 2026-10-05 | $1.31 | $82,700,000 | 1 / 1 |
| 2026-10-06 | $1.31 | $82,700,000 | 1 / 1 |
| 2026-10-07 | $1.31 | $82,700,000 | 2 / 1 |
| 2026-10-08 | $1.31 | $75,620,000 | 2 / 1 |
| 2026-10-09 | $1.31 | $75,620,000 | 2 / 1 |
| 2026-10-10 | $1.31 | $75,620,000 | 2 / 1 |
| 2026-10-11 | $1.31 | $75,620,000 | 2 / 1 |
| 2026-10-12 | $1.31 | $75,620,000 | 2 / 1 |
| 2026-10-13 | $1.31 | $75,620,000 | 2 / 1 |
| 2026-10-14 | $1.31 | $75,620,000 | 2 / 1 |
| 2026-10-15 | $1.31 | $75,620,000 | 2 / 1 |
| 2026-10-16 | $1.31 | $75,620,000 | 2 / 1 |
| 2026-10-17 | $1.31 | $75,620,000 | 2 / 1 |
| 2026-10-18 | $1.31 | $75,620,000 | 2 / 1 |
| 2026-10-19 | $1.31 | $75,620,000 | 2 / 1 |
| 2026-10-20 | $1.31 | $75,620,000 | 2 / 1 |
| 2026-10-21 | $1.31 | $75,620,000 | 2 / 1 |
| 2026-10-22 | $1.31 | $75,620,000 | 2 / 1 |
| 2026-10-23 | $1.31 | $75,620,000 | 2 / 1 |
| 2026-10-24 | $1.31 | $75,620,000 | 2 / 1 |
| 2026-10-25 | $1.31 | $75,620,000 | 2 / 1 |
| 2026-10-26 | $1.31 | $75,620,000 | 2 / 1 |
| 2026-10-27 | $1.31 | $75,620,000 | 2 / 1 |
| 2026-10-28 | $1.31 | $75,620,000 | 2 / 1 |
| 2026-10-29 | $1.31 | $75,620,000 | 2 / 1 |
| 2026-10-30 | $1.31 | $75,620,000 | 2 / 1 |
| 2026-10-31 | $1.31 | $75,620,000 | 2 / 1 |
| 2026-11-01 | $1.31 | $75,620,000 | 2 / 1 |
| 2026-11-02 | $1.31 | $75,620,000 | 2 / 1 |
| 2026-11-03 | $1.31 | $75,620,000 | 2 / 1 |
| 2026-11-04 | $1.31 | $75,620,000 | 2 / 1 |
Revenue and EPS estimates track expectations. They are not delivered results or like-for-like proof of a required annual path.
Latest: 3 Buy / Strong Buy · 0 Hold · 0 Sell / Strong Sell
Recent actions · Oct 6–Nov 4 · 0 recorded
Individual price-target observations are unavailable.
0 raises · 0 cuts · 0 unchanged · 0 without a comparable prior
Oct 6, 2026–Nov 4, 2026. Each firm's latest positive target is paired only with its immediately prior positive target from the same provider, at most 180 days earlier. Unmatched observations have one dot; conflicting observations are not compared.
4 of 4 published conditions remain under pressure or need verification. The next results need to address those conditions.
The dated weekly assessment and its assumptions are available in Read detailed Outlook.