OptimumBank (OPHC) Stock: Buy, Sell, or Hold?
OPHC - OptimumBank Holdings, Inc.
$8.69
-0.03 (-0.34%)
▼
5d:
-6.26%
30d:
-2.91%
90d:
+51.66%
WAIT
LOW Confidence
Analysis Updated: Oct 1, 2026 12:00 AM ET
Earnings: Nov 09, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 MIXED SIGNALS: OPHC shows conflicting indicators. Wait for confirmation before entering.
📊 MIXED SIGNALS: OPHC shows conflicting indicators. Wait for confirmation before entering.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$11.21
Based on 7.1% avg growth
INTRINSIC VALUE TODAY
$6.96
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 5.9x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: OPHC is currently trading at $8.69, which is considered oversold relative to its 30-day fair value range of $8.85 to $9.19. The stock's valuation (Forward PE: 6.4) is in line with its historical norms (5.9). At these levels, the market is pricing in 3.2% annual earnings growth.
Technical Outlook: Technically, OPHC is in a strong uptrend. Immediate support is located at $8.38, while resistance sits at $9.35.
Market Sentiment: OPHC scores 18/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Wall Street analysts see significant upside, with an average price target of $10.92 (+25.6%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, OPHC is in a strong uptrend. Immediate support is located at $8.38, while resistance sits at $9.35.
Market Sentiment: OPHC scores 18/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Wall Street analysts see significant upside, with an average price target of $10.92 (+25.6%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$8.85 -
$9.19
Company Quality Score
41/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
60.5%
All Signals
- BULLISH: Price oversold vs 30-day range
- BEARISH: Weak technical setup (18/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 25.6% below Wall St target ($10.92)
- BULLISH: Expecting earnings turnaround to 3.2% growth with 56.0% revenue growth
- WARNING: Composite score 41/100 in the bottom quintile — this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$8.85 -
$9.19
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$8.38
Resistance Level
$9.35
Current Trend
Strong Uptrend
Technical data as of
Oct 1, 2026
Fundamental Context
Forward P/E (Next Year Est.)
6.44
Wall Street Target
$10.92
(+25.6%)
Revenue Growth (YoY)
56.0%
Earnings Growth (YoY)
-8.7%
Profit Margin
36.0%
Valuation Premium vs History
+3.2% premium
PE vs Historical
6.4 vs 5.9
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+3.2%
(market-implied from PE analysis)
1-Year Target
$8.97
(+3%)
2-Year Target
$9.26
(+7%)
3-Year Target
$9.55
(+10%)
3-Yr Target (if PE normalizes)
(PE: 6→6)
PE COMPRESSION
$8.75
(+1%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.4, Growth: 10.2%)
$36.86
(+324%)
Base:
(SPY PE: 6.4, Growth: 10.2%)
$11.63
(+34%)
Bear:
(PE: 5.5, Growth: 10.2%)
$9.89
(+14%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (10x PE), but valuation improves significantly next year (6x PE) as earnings recover.
Trailing PE: 10.26 | Current EPS (TTM): $0.85
Bull Case
$15.23
(+75%)
Analyst growth 58.8%, PE expands to 11.3
Base Case
$13.85
(+59%)
Market implied 58.8%, PE stable at 10.3
Bear Case
$5.93
(-32%)
Severe decline -20.0%, PE contracts to 8.7
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: October 01, 2026 10:18 PM ET
Data refreshes hourly during market hours. Next update: 11:18 PM
Data refreshes hourly during market hours. Next update: 11:18 PM
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Technical Signals Check
Is OPHC showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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