OptimumBank Holdings, Inc. (OPHC)
National Commercial Banks · Financial Services · $173M
Intrinsic Value (Consensus)
$12.85
Current Price
$14.20
Margin of Safety
-9.5%
9.5% Above Intrinsic Value
Value: $13
Price: $14
Valuation Model Estimates
Current Price: $14.20
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%.
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
Data last updated: 2026-06-12
Source: Yahoo Finance