OptimumBank Holdings, Inc. (OPHC)
National Commercial Banks · Financial Services · $71M
Intrinsic Value (Consensus)
$12.85
Current Price
$5.80
Margin of Safety
+121.6%
121.6% Below Intrinsic Value
Value: $13
Price: $6
Valuation Model Estimates
Current Price: $5.80
DCF (Discounted Cash Flow)
$17.66
Graham Number
$12.65
Earnings Power Value
$6.89
Relative Value (P/E)
$14.20
Dividend Discount Model
Not applicable
—
Consensus Value
$12.85
Model Assumptions
Discount Rate
10.3%
Growth Rate
2.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
C
61
Profitability
18/25
Strength
17/25
Valuation
22/25
Growth
4/25
Financial Health Signals
High free cash flow yield (24.0%) — generating lots of cash relative to price
Key Financials
- EPS (TTM)
- $0.71
- EPS (Forward)
- $0.72
- Book Value
- $10.02
- P/E Ratio
- 20.0
- Forward P/E
- 19.6
- PEG Ratio
- —
- ROE
- 13.7%
- Debt/Equity
- —
- Revenue Growth
- N/A
- Earnings Growth
- 2.0%
- Dividend Yield
- N/A
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance