OptimumBank Holdings Inc (OPHC)
AMEXFinancialsBanks - RegionalSnapshot 2026-09-04
$8.98+0.11%
Close 2026-09-04 · 1-day change
AMEXFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · OPHC
Price, fair value, and the multiples that frame it on the same time axis. Scroll over the price chart to zoom.
Daily closes. Earnings/event dots inline.
A consensus fair price across 10 valuation methods, at three horizons. As of 2026-09-06. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
Today's peer multiple on trailing earnings, with no growth credited. This is the headline read.
Adds projected growth, so it leans optimistic by design. Read it as upside context, not a base case.
We take the 12-month fair value above and grade our own number — how the market prices this name versus what we'd justify, and where the two diverge.
At $8.98 OPHC trades at 1.6× p/b — 1.3× the 1.2× p/b peer median, and above its own 1× history. The market is re-rating it beyond its own range; our $19 fair value is medium-confidence here. Not investment advice.
One valuation read at a 12-month horizon, plus how price compares to peers and the company's own history.
Score 100 = cheapest in the cohort, 0 = richest. Bars are filled left-to-right based on the peer-relative score (or PEG/self-history where shown).
Each method's implied share price per horizon. Provisional rows use a projected (historical-CAGR) growth input rather than analyst or management guidance.
| Method | Horizon | Est. price | Multiple | Per-share input | EPS source | Confidence |
|---|---|---|---|---|---|---|
| dcf fcfe | 12M | $59.99 | — | — | Hist. CAGR | medium |
| dcf fcff | 12M | $61.16 | — | — | Hist. CAGR | medium |
| graham number | 12M | $10.54 | — | — | TTM | medium |
| Peer P/B | 12M | $7.03 | 1.2 | 5.67 | TTM | medium |
| Peer P/FCF | 12M |
A “consensus-then vs. actual-now” overlay is on the way — what our valuation estimate said on a past date versus where the price actually landed.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
A long-thesis check that carries the widest uncertainty of the three horizons.
Above average on quality vs scored peers
A second lens on the 12-month fair value: for companies that score high on measured quality (profitability, balance-sheet safety, earnings stability), this read trusts more of today's profit margins instead of averaging them toward their multi-year history the way the headline number does. Shown alongside the fair value above, not in place of it. A diagnostic, not a price target or a buy/sell signal.
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
Only weak execution quality — not the full expensive x weak x turbulent stack. Regime (Mania) does not concentrate fragility.
For similar setups historically (n=20,154): about 33% saw a 20%+ drawdown, and roughly 76% of those did not recover within the year. These are historical base rates for the cohort, not a forecast of this stock.
Looks cheaper than most peers in the same business.
Richer than its own typical valuation.
Trailing four: 2025-Q2, 2025-Q3, 2026-Q1, 2026-Q2
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
| $12.58 |
| 11.7 |
| 1.08 |
| TTM |
| medium |
| Peer P/E | 12M | $10.39 | 11.9 | 0.87 | TTM | medium |
| Peer P/S | 12M | $9.99 | 3.2 | 3.16 | TTM | medium |
| residual income | 12M | $7.56 | — | — | TTM | medium |
| Own P/E history | 12M | $5.73 | 6.6 | 0.87 | TTM | medium |
| triangulated | 12M | $11.62 | 11.9 | 0.97 | Triangulated | medium |
| Peer P/B | 3Y | $10.70 | 1.2 | 8.63 | Hist. CAGR(prov.) | medium |
| Peer P/FCF | 3Y | $19.13 | 11.7 | 1.64 | Hist. CAGR(prov.) | medium |
| Peer P/S | 3Y | $15.20 | 3.2 | 4.81 | Hist. CAGR(prov.) | medium |
| Peer P/B | 5Y | $14.15 | 1.2 | 11.41 | Hist. CAGR(prov.) | medium |
| Peer P/FCF | 5Y | $25.29 | 11.7 | 2.17 | Hist. CAGR(prov.) | medium |
| Peer P/S | 5Y | $20.10 | 3.2 | 6.36 | Hist. CAGR(prov.) | medium |