OptimumBank Holdings, Inc.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from OptimumBank Holdings, Inc.'s yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
What stands out
- Steadiness Ratio: Sales and profit both grew in each of the last 3 years. Steadier than 94% of Financial Services companies in United States.
- Shareholder Slice Ratio: Share count rose 63% in 3 years, so each share's slice of the company became smaller. Bigger rise in share count than 89% of Financial Services companies in United States.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
3/3 · 3/3Sales and profit both grew in each of the last 3 years.
Steadier than 94% of Financial Services companies in United States.
Growth Efficiency Ratio
$41Sales grew 163% in 3 years; of every extra $100 of sales, $41 became extra profit.
Higher than 69% of Financial Services companies in United States.
Asset Productivity Ratio
+163% / +90%In 3 years sales changed by +163% while total assets changed by +90%. Sales grew faster than assets.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
—Data incomplete
Tangible Net Worth Ratio
—Data incomplete
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
OptimumBank Holdings, Inc. owes $0.90 for every $1 it owns. Net profit rose 27% in the year to Dec 2025, and grew 61% a year on average over 3 years.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
10.2Investors pay $10.2 for every $1 of OptimumBank Holdings, Inc.'s yearly profit, lower than 77% of Financial Services companies in United States.
P/B ratio
0.83The share price is 0.83 times OptimumBank Holdings, Inc.'s book value per share, lower than 85% of Financial Services companies in United States.
Market cap
$112 MThe total market value of all of OptimumBank Holdings, Inc.'s shares at today's price (share price × number of shares), smaller than 90% of Financial Services companies in United States. PosiCap size class: Mini Cap.
Net worth (book value)
$134 MWhat OptimumBank Holdings, Inc. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$10.64Net worth divided by the number of shares. The share price of $8.84 is 0.8 times this, which is the P/B above.
Return on equity (ROE)
16.7%OptimumBank Holdings, Inc. earned 16.7% on its shareholders' money over the last year, higher than 80% of Financial Services companies in United States.
Owes vs Owns
0.90×OptimumBank Holdings, Inc. owes $0.90 for every $1 it owns (high), higher than 83% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
NoneOptimumBank Holdings, Inc. does not currently pay a dividend.
Revenue growth
+26%Revenue rose 26% in the year to Dec 2025, and grew 38% a year on average over 3 years.
Profit growth
+27%Net profit rose 27% in the year to Dec 2025, and grew 61% a year on average over 3 years.
Profit margin
33.7%OptimumBank Holdings, Inc. keeps $34 of every $100 of revenue as net profit.
Questions
What is OptimumBank Holdings, Inc.'s P/E ratio?
Investors pay $10.2 for every $1 of OptimumBank Holdings, Inc.'s yearly profit, lower than 77% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For OptimumBank Holdings, Inc.: $112 M ÷ $134 M (30 Jun 2026) = 0.8.
What is OptimumBank Holdings, Inc.'s return on equity?
OptimumBank Holdings, Inc. earned 16.7% on its shareholders' money over the last year, higher than 80% of Financial Services companies in United States.
How much does OptimumBank Holdings, Inc. owe compared with what it owns?
OptimumBank Holdings, Inc. owes $0.90 for every $1 it owns (high), higher than 83% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does OptimumBank Holdings, Inc. pay a dividend?
No. OptimumBank Holdings, Inc. does not currently pay a dividend.
Is OptimumBank Holdings, Inc.'s revenue growing?
Revenue rose 26% in the year to Dec 2025, and grew 38% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.