profit from every $100 of sales.
$0$100
OptimumBank Holdings
$8.96-1.21% today
+116.9% in 1 year
1-year low $4.051-year high $10.10
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $6.80 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What OptimumBank Holdings sold, what it kept, and what it did with the cash.
Sales went from $18.8 million in 2022 to $49.4 million in 2025, with $16.6 million of profit last year.
SalesProfit
OptimumBank Holdings vs. similar companies
OptimumBank Holdings grows the fastest of these 5 and is the cheapest for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| OptimumBank Holdings | 6.8× · Cheap | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.5× · Fair price | ||
 UniCredit | 11.5× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads OptimumBank Holdings's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 19 | 27 | 39 | 49 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 4 | 6 | 13 | 17 | |
| 0.68 | 0.87 | 1.33 | 0.71 | |
| – | – | – | – | |
| – | – | – | – | |
| 21.4% | 23.1% | 33.4% | 33.7% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 585 | 791 | 933 | 1,112 |
| Cash | 72 | 77 | 94 | 115 |
| Total debt | 12 | 64 | 53 | 53 |
| Total liabilities | 523 | 721 | 830 | 990 |
| 63 | 70 | 103 | 122 | |
| 6 | 7 | 10 | 12 | |
| – | – | – | – | |
| 6.4% | 9.0% | 12.7% | 13.7% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 10 | 7 | 16 | 18 | |
| 0 | 1 | 1 | 1 | |
| 10 | 6 | 15 | 17 | |
| Dividends paid | – | – | – | – |
| – | – | – | – | |
| 0 | 0 | 0 | 1 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 6.8×
- 10.5×
- 4.69
- 0.5×
- 2.3×
- 14.7%
- 0.0%
Profitability
- 33.7%
- 10.5%
- 6.4%
- 14.6%
- 1.4%
Growth
- +38.0%
- +1.4%
- –
- +31.8%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Top 23%of 827
Top 31%of 709
Top 12%of 876
Top 11%of 879
Top 16%of 926
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 24, 2026 | 0.20 | 0.19 | +5.3% |
| Feb 2, 2026 | 0.21 | -0.03 | +840.7% |
| Nov 10, 2025 | 0.18 | – | – |
| May 12, 2025 | 0.32 | 0.17 | +88.2% |
| Feb 26, 2025 | 0.35 | 0.17 | +105.9% |
| Nov 8, 2024 | 0.32 | 0.16 | +100.0% |
| Aug 5, 2024 | 0.34 | 0.15 | +126.7% |
| May 13, 2024 | 0.31 | – | – |
News
No recent news on file.
Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
3/7Passes 3 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
62Pass
Benjamin Graham
87Pass
Philip Fisher
65Pass
Peter Lynch
35No pass
Joel Greenblatt
41No pass
Charlie Munger
57No pass
Terry Smith
56No pass
Questions about OptimumBank Holdings
Is OptimumBank Holdings a good stock to buy?
A strong, very profitable business, and the price looks low. 3 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the OptimumBank Holdings AI analysis
What does OptimumBank Holdings do?
OptimumBank Holdings, Inc. operates as the bank holding company for OptimumBank that provides various consumer and commercial banking services to individuals and businesses. It is in Banks - Regional.
Does OptimumBank Holdings pay a dividend?
No. OptimumBank Holdings does not pay a dividend at the moment.
Is OptimumBank Holdings stock halal?
No. OptimumBank Holdings does not pass our halal screen: its main business, banking, is not permitted. How we check
How has OptimumBank Holdings stock done over the past year?
Up 116.9% over the past twelve months, to $8.96. It traded between $4.05 and $10.10 and is 11.3% below its high.
Who are OptimumBank Holdings's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with OptimumBank Holdings's.
Prices: daily closes to Nov 12, 2026. Fundamentals: company reports via invest-like data.