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what it is
OptimumBank is a one-bank holding company that takes deposits in Florida and turns them into real estate and consumer loans.
how it gets paid
Last year Optimumbank made $64M in revenue. commercial real estate lending was the main engine at $25M, or 39% of sales.
why it's growing
Revenue grew about 7.9% last year on the ~$64M base. Ignore triple-digit vs. prior year percent lines unless you confirm M&A or a restatement—they are almost always a scrape error for a community bank.
what just happened
Latest quarter revenue on the order of ~$16M (~$64M ÷ 4) with EPS about $0.50—not $47M quarterly (that would annualize past the whole bank).
At a glance
B balance sheet — gets the job done, barely
25/100 earnings predictability — expect surprises
6.8x trailing p/e — the market's not buying it — or you found a deal
$0.71 fy2025 eps est
~$64M trailing revenue scale
xvary composite: 45/100 — below average
What they do
OptimumBank is a one-bank holding company that takes deposits in Florida and turns them into real estate and consumer loans.
This is a local bank with 73 employees, not a national machine. That sounds small until you remember small banks win by knowing borrowers street by street. Your edge here is focus: one Florida-chartered bank, one market, and a stock at 6.8 times trailing earnings, versus much richer multiples for many bigger banks.
How they make money
$64M
annual revenue · their business grew +7.9% last year
commercial real estate lending
$25M
multi-family real estate lending
$14M
residential real estate lending
$9M
land and construction lending
$8M
consumer banking and fee services
$8M
The products that matter
commercial property lending
Owner-occupied commercial real estate
up to 90% loan-to-value
Management pushed a Q1 2026 promotion offering qualified borrowers up to 90% loan-to-value. That tells you growth is still the assignment. The catch is obvious: generous terms matter more when your loan book is already $947.3M.
growth focus
small business lending
SBA lending
part of a $947.3M loan book
SBA lending gives a tiny bank a way to stay relevant with local business borrowers. You are not buying national scale. You are buying niche credit decisions made close to the customer.
local credit
consumer and commercial funding
Core deposit gathering
$931.8M deposits
Deposits are the raw material. The bank held $931.8M in deposits in its latest report, and those balances fund the lending book that produces the $58.2M net interest income line. If deposits get more expensive, profitability feels it quickly.
funding base
Key numbers
6.8x
trailing p/e
P/E → price-to-earnings → what you pay for each dollar of profit. At 6.8x, this stock is priced like earnings are about to shrink.
$64M
annual revenue
Revenue → total money coming in → the whole bank is producing $64M a year against a market cap of about $66M.
$1.33
2024 eps
EPS → profit per share → 2024 was the bank's best year in the quarterly history provided, up from $0.87 in 2023.
$0.71
2025 eps est
Estimate → Wall Street's guess → the market is looking for earnings to cool by about 47% from 2024, and that gap is the whole argument.
Financial health
B
strength
- balance sheet grade B — adequate — nothing special
- risk rank 4 — safer than 20% of stocks
- price stability 50 / 100
B — functional but not a standout on the balance sheet.
Total return vs. market
Return history isn't available for OPHC right now.
source: institutional data · return history unavailable
What just happened
reconcile 10-Q
Quarterly revenue about ~$16M with EPS $0.50—replacing the impossible $47M “quarter” and fake 187% vs. prior year scrape.
Community banks move in single-digit percent steps, not triple-digit revenue growth. Match NII, credit quality, and diluted EPS to the filing period you care about.
~$16M
qtr revenue (approx.)
$0.50
eps (Q · approx.)
~$64M
annual revenue
the number that mattered
A ~$0.50 quarter is material vs a $0.71 full-year estimate only after you sum the other quarters in the same fiscal year—community banks are seasonal, so do not treat ×4 as a forecast without the 10-Q roll-up.
source: company earnings report, 2026
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What could go wrong
The core risk is simple: OPHC has a $947.3M loan book, mostly tied to Florida commercial real estate, and only $5.8M of non-interest income to soften a credit problem.
high
Commercial real estate concentration
The bank mostly lends against commercial real estate in one state. When your loan portfolio is $947.3M and your market cap is about $66M, local property weakness is not a side issue. It is the thesis risk.
A credit stumble would hit earnings, tangible book, and investor confidence at the same time.
high
Net interest income does almost all the work
The income mix shown here is 91% net interest income and 9% non-interest income. That means you do not have much fee income to offset weaker loan demand or higher funding costs.
A small squeeze in lending spread matters a lot when one line item pays most of the bills.
med
Growth incentives can dilute underwriting discipline
The Q1 2026 owner-occupied CRE promotion offered qualified borrowers up to 90% loan-to-value. That is not automatically reckless. It is a number you should treat with respect at a bank this small.
If growth comes from easier terms instead of better demand, today's cheap multiple is just tomorrow's write-down waiting patiently.
med
Thin trading liquidity
Average volume is 31,272 shares. For a $4.86 stock, that is not much depth. One decent-sized order can move the quote more than the fundamentals do.
You can be right on value and still dislike the path the stock takes getting there.
The market is not misreading the business as a software company or a compounder. It sees a tiny lender with concentration risk and prices it that way. If you want the discount to close, you need proof that book value keeps rising without a credit surprise.
source: institutional data · regulatory filings · risk analysis
Pay attention to
metric
Tangible book versus stock price
Book value sits at $5.18 per share versus a $4.86 stock price. If that gap closes because book keeps rising, the market is buying the balance sheet. If book slips, the discount is a warning sign, not a bargain.
calendar
Q1 2026 earnings report
Scheduled for May 12, 2026. You are looking for follow-through on asset growth, stable credit, and any pressure on the core lending spread.
trend
Loan growth from the CRE promotion
More volume is fine. More volume at easier terms is different. If growth comes with lower credit quality, you will see the cost later, not at the moment management celebrates origination.
risk
Deposit stickiness
Deposits were $931.8M in the latest report. For a bank this size, funding stability matters almost as much as loan growth because it determines how profitable that growth really is.
Analyst rankings
earnings predictability
25 / 100
in human-speak: the quarterly earnings line is noisy, so one clean report does not automatically mean you found a stable compounding machine.
risk rank
4
That means it ranks as safer than only about 20% of stocks in this system. You are not buying a bunker stock just because the p/e is low.
source: institutional data
Institutional activity
institutional ownership data for OPHC is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$5
current price
n/a
target midpoint · n/a from current
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