OptimumBank (OPHC) Stock: Buy, Sell, or Hold?
OPHC - OptimumBank Holdings, Inc.
$8.77
0.10 (1.15%)
▲
5d:
-2.56%
30d:
-4.98%
90d:
+46.66%
HOLD
MODERATE Confidence
Analysis Updated: Oct 21, 2026 12:00 AM ET
Earnings: Nov 09, 2026
17d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: OPHC is fairly valued with market pricing in 3.1% annual growth. Fine to hold or accumulate slowly on dips.
📊 HOLD: OPHC is fairly valued with market pricing in 3.1% annual growth. Fine to hold or accumulate slowly on dips.
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 $8.77, which is considered slightly low relative to its 30-day fair value range of $8.72 to $9.14. From a valuation perspective, the stock is trading at a premium (Forward PE: 6.5) compared to its historical average (5.9). At these levels, the market is pricing in 3.1% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, OPHC is in a strong uptrend. Immediate support is located at $8.43, while resistance sits at $9.13.
Market Sentiment: The stock scores a mixed 43/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $10.92 (+24.5%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, OPHC is in a strong uptrend. Immediate support is located at $8.43, while resistance sits at $9.13.
Market Sentiment: The stock scores a mixed 43/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $10.92 (+24.5%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
SLIGHTLY LOW
Historical Trading Range
$8.72 -
$9.14
Company Quality Score
58/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
80.5%
All Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (43/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 24.5% below Wall St target ($10.92)
- NEUTRAL: Market pricing in 3.1% annual earnings growth - fairly valued
- NEUTRAL: Bottoming setup forming (43/100) — watch for confirmation
Trading Range Analysis
30-Day Trading Range
$8.72 -
$9.14
Current vs Trading Range
SLIGHTLY LOW
Support & Resistance Levels
Support Level
$8.43
Resistance Level
$9.13
Current Trend
Strong Uptrend
Technical data as of
Oct 21, 2026
Fundamental Context
Forward P/E (Next Year Est.)
6.50
Wall Street Target
$10.92
(+24.5%)
Revenue Growth (YoY)
56.0%
Earnings Growth (YoY)
86.7%
Profit Margin
36.0%
Valuation Premium vs History
+3.1% premium
PE vs Historical
6.5 vs 5.9
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+3.1%
(market-implied from PE analysis)
1-Year Target
$9.04
(+3%)
2-Year Target
$9.32
(+6%)
3-Year Target
$9.61
(+10%)
3-Yr Target (if PE normalizes)
(PE: 7→6)
PE COMPRESSION
$8.73
(-1%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 10.2%)
$35.88
(+309%)
Base:
(SPY PE: 6.5, Growth: 10.2%)
$11.74
(+34%)
Bear:
(PE: 5.5, Growth: 10.2%)
$9.98
(+14%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (10x PE), but valuation improves significantly next year (7x PE) as earnings recover.
Trailing PE: 9.97 | Current EPS (TTM): $0.87
Bull Case
$14.80
(+69%)
Analyst growth 55.2%, PE expands to 11.0
Base Case
$13.45
(+53%)
Market implied 55.2%, PE stable at 10.0
Bear Case
$5.90
(-33%)
Severe decline -20.0%, PE contracts to 8.5
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: October 22, 2026 7:05 AM ET
Data refreshes hourly during market hours. Next update: 8:05 AM
Data refreshes hourly during market hours. Next update: 8:05 AM
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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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