OptimumBank Inc. (OPHC)
OptimumBank Statistics
Share Statistics
OptimumBank has 11.75M shares outstanding. The number of shares has increased by 21.96% in one year.
| Shares Outstanding | 11.75M |
| Shares Change (YoY) | 21.96% |
| Shares Change (QoQ) | 16.46% |
| Owned by Institutions (%) | 11.13% |
| Shares Floating | 9.61M |
| Failed to Deliver (FTD) Shares | 2.98K |
| FTD / Avg. Volume | 8.14% |
Short Selling Information
The latest short interest is 33.99K, so 0.29% of the outstanding shares have been sold short.
| Short Interest | 33.99K |
| Short % of Shares Out | 0.29% |
| Short % of Float | 0.35% |
| Short Ratio (days to cover) | 1 |
Valuation Ratios
The PE ratio is 3.74 and the forward PE ratio is null. OptimumBank's PEG ratio is 0.08.
| PE Ratio | 3.74 |
| Forward PE | n/a |
| PS Ratio | 0.82 |
| Forward PS | 0.4 |
| PB Ratio | 0.48 |
| P/FCF Ratio | 3.15 |
| PEG Ratio | 0.08 |
Enterprise Valuation
OptimumBank has an Enterprise Value (EV) of 87.91M.
| EV / Sales | 1.47 |
| EV / EBITDA | 0 |
| EV / EBIT | 5.63 |
| EV / FCF | 5.63 |
Financial Position
The company has a current ratio of 0, with a Debt / Equity ratio of 0.51.
| Current Ratio | 0 |
| Quick Ratio | 0 |
| Debt / Equity | 0.51 |
| Debt / EBITDA | - |
| Debt / FCF | 3.38 |
| Interest Coverage | 2.35 |
Financial Efficiency
Return on Equity is 12.72% and Return on Invested Capital is 91.1%.
| Return on Equity | 12.72% |
| Return on Assets | 1.41% |
| Return on Invested Capital | 91.1% |
| Revenue Per Employee | $816.84K |
| Profits Per Employee | $179.78K |
| Employee Count | 73 |
| Asset Turnover | 0.06 |
| Inventory Turnover | n/a |
Taxes
| Income Tax | 4.51M |
| Effective Tax Rate | 25.56% |
Stock Price Statistics
The stock price has increased by -2% in the last 52 weeks. The beta is 0.31, so OptimumBank's price volatility has been higher than the market average.
| Beta | 0.31 |
| 52-Week Price Change | -2% |
| 50-Day Moving Average | 4.3 |
| 200-Day Moving Average | 4.57 |
| Relative Strength Index (RSI) | 38.88 |
| Average Volume (20 Days) | 36.67K |
Income Statement
In the last 12 months, OptimumBank had revenue of 59.63M and earned 13.12M in profits. Earnings per share was 1.27.
| Revenue | 59.63M |
| Gross Profit | 59.63M |
| Operating Income | 58.56M |
| Net Income | 13.12M |
| EBITDA | 0 |
| EBIT | -599K |
| Earnings Per Share (EPS) | 1.27 |
Balance Sheet
The company has 13.98M in cash and 52.77M in debt, giving a net cash position of -38.79M.
| Cash & Cash Equivalents | 13.98M |
| Total Debt | 52.77M |
| Net Cash | -38.79M |
| Retained Earnings | -2.85M |
| Total Assets | 932.93M |
| Working Capital | 116.4M |
Cash Flow
In the last 12 months, operating cash flow was 15.61M and capital expenditures 0, giving a free cash flow of 15.61M.
| Operating Cash Flow | 15.61M |
| Capital Expenditures | 0 |
| Free Cash Flow | 15.61M |
| FCF Per Share | 1.51 |
Margins
Gross margin is 100%, with operating and profit margins of 98.2% and 22.01%.
| Gross Margin | 100% |
| Operating Margin | 98.2% |
| Pretax Margin | 29.57% |
| Profit Margin | 22.01% |
| EBITDA Margin | n/a |
| EBIT Margin | 98.2% |
| FCF Margin | 26.17% |
Dividends & Yields
OPHC does not appear to pay any dividends at this time.
| Dividend Per Share | n/a |
| Dividend Yield | n/a |
| Dividend Growth (YoY) | n/a |
| Payout Ratio | n/a |
| Earnings Yield | 26.72% |
| FCF Yield | 31.77% |
Analyst Forecast
The average price target for OPHC is $5.25, which is 33.6% higher than the current price. The consensus rating is "Hold".
| Price Target | $5.25 |
| Price Target Difference | 33.6% |
| Analyst Consensus | Hold |
| Analyst Count | 1 |
Stock Splits
The last stock split was on Jan 12, 2016. It was a backward split with a ratio of 1:10.
| Last Split Date | Jan 12, 2016 |
| Split Type | backward |
| Split Ratio | 1:10 |
Scores
| Altman Z-Score | 0.24 |
| Piotroski F-Score | 5 |