OPHC Stock Analysis: Buy, Sell, or Hold?
OPHC - OptimumBank Holdings, Inc.
$5.44
-0.07 (-1.27%)
▼
5d:
-2.68%
30d:
+0.18%
90d:
+4.62%
BUY
HIGH Confidence
Analysis Updated: May 15, 2026 12:00 AM ET
Earnings: Jul 30, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
✅ BUY SIGNAL: OPHC shows strong fundamentals and good volume confirmation. Solid entry point despite fair pricing.
✅ BUY SIGNAL: OPHC shows strong fundamentals and good volume confirmation. Solid entry point despite fair pricing.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$7.27
Based on 6.1% avg growth
INTRINSIC VALUE TODAY
$4.51
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 5.1x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: OPHC is currently trading at $5.44, which is considered fair relative to its 30-day fair value range of $5.35 to $5.55. The stock's valuation (Forward PE: 5.1) is in line with its historical norms (5.1). At these levels, the market is pricing in 0.1% annual earnings growth.
Technical Outlook: Technically, OPHC is in a strong uptrend. The price is currently testing key support at $5.43. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $7.17 (+31.7%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, OPHC is in a strong uptrend. The price is currently testing key support at $5.43. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $7.17 (+31.7%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
FAIR
Historical Trading Range
$5.35 -
$5.55
Company Quality Score
52/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
75.7%
All Signals
- NEUTRAL: Price in fair range
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 31.7% below Wall St target ($7.17)
- BULLISH: Expecting earnings turnaround to 0.1% growth with 31.2% revenue growth
Trading Range Analysis
30-Day Trading Range
$5.35 -
$5.55
Current vs Trading Range
FAIR
Support & Resistance Levels
Support Level
$5.43
Resistance Level
$5.64
Current Trend
Strong Uptrend
Technical data as of
May 15, 2026
Fundamental Context
Forward P/E (Next Year Est.)
5.13
Wall Street Target
$7.17
(+31.7%)
Revenue Growth (YoY)
31.2%
Earnings Growth (YoY)
-37.5%
Profit Margin
34.4%
Valuation Premium vs History
+0.1% premium
PE vs Historical
5.1 vs 5.1
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+0.1%
(market-implied from PE analysis)
1-Year Target
$5.45
(+0%)
2-Year Target
$5.45
(+0%)
3-Year Target
$5.46
(+0%)
3-Yr Target (if PE normalizes)
(PE: 5→5)
PE COMPRESSION
$5.42
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.1, Growth: 8.2%)
$29.60
(+444%)
Base:
(SPY PE: 5.1, Growth: 8.2%)
$6.88
(+27%)
Bear:
(PE: 4.4, Growth: 8.2%)
$5.85
(+8%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (9x PE), but valuation improves significantly next year (5x PE) as earnings recover.
Trailing PE: 9.34 | Current EPS (TTM): $0.59
Bull Case
$10.89
(+100%)
Analyst growth 79.7%, PE expands to 10.3
Base Case
$9.90
(+82%)
Market implied 79.7%, PE stable at 9.3
Bear Case
$3.75
(-31%)
Severe decline -20.0%, PE contracts to 7.9
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: May 16, 2026 8:31 AM ET
Data refreshes hourly during market hours. Next update: 9:31 AM
Data refreshes hourly during market hours. Next update: 9:31 AM
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Technical Signals Check
Is OPHC showing a specific setup today?
Insider Activity (6 Months)
0
Buys
2
Sells
Net
INSIDERS SELLING
Recent Transactions
Timothy Terry
SELL
39304 shares
2026-02-02
Michael Blisko
SELL
7600 shares
2025-12-04
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