OPHC
OptimumBank Holdings·AMEX
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8.28 / 10
Outperform
OPHC's fundamentals score 8.28/10, driven by an impressive Fixed assets turnover ratio of 1391.03 and strong Total profit YoY growth of 144.83. Metrics like ROA (1.06%) and net profit margin on assets (1.41%) rank in the top group, indicating efficient asset utilization and profitability. However, the Asset-liability ratio is high at 90.19, signaling elevated leverage that could warrant caution. Overall, the company exhibits excellent financial health with only leverage as a notable concern.
Analysis Checks(6/8)
ROA (%)
Value1.06
Score3/3
Weight26.67%
1M Return8.07%
Value1.06
Score3/3
Weight26.67%
1M Return8.07%
Total profit (YoY growth rate %)
Value144.83
Score3/3
Weight30.33%
1M Return9.18%
Value144.83
Score3/3
Weight30.33%
1M Return9.18%
Fixed assets turnover ratio
Value1391.03
Score3/3
Weight10.39%
1M Return3.36%
Value1391.03
Score3/3
Weight10.39%
1M Return3.36%
Cost of sales ratio (%)
Value74.47
Score2/3
Weight10.12%
1M Return3.50%
Value74.47
Score2/3
Weight10.12%
1M Return3.50%
Asset-liability ratio (%)
Value90.19
Score0/3
Weight-7.14%
1M Return-2.81%
Value90.19
Score0/3
Weight-7.14%
1M Return-2.81%
Income tax / Total profit (%)
Value25.54
Score1/3
Weight-0.00%
1M Return-0.00%
Value25.54
Score1/3
Weight-0.00%
1M Return-0.00%
Annualized net profit margin on total assets (%)
Value1.41
Score3/3
Weight26.67%
1M Return8.07%
Value1.41
Score3/3
Weight26.67%
1M Return8.07%
Current assets / Total assets (%)
Value46.60
Score2/3
Weight2.96%
1M Return1.06%
Value46.60
Score2/3
Weight2.96%
1M Return1.06%
ROA (%)
Value1.06
Score3/3
Weight26.67%
1M Return8.07%
Value1.06
Score3/3
Weight26.67%
1M Return8.07%
Asset-liability ratio (%)
Value90.19
Score0/3
Weight-7.14%
1M Return-2.81%
Value90.19
Score0/3
Weight-7.14%
1M Return-2.81%
Total profit (YoY growth rate %)
Value144.83
Score3/3
Weight30.33%
1M Return9.18%
Value144.83
Score3/3
Weight30.33%
1M Return9.18%
Income tax / Total profit (%)
Value25.54
Score1/3
Weight-0.00%
1M Return-0.00%
Value25.54
Score1/3
Weight-0.00%
1M Return-0.00%
Fixed assets turnover ratio
Value1391.03
Score3/3
Weight10.39%
1M Return3.36%
Value1391.03
Score3/3
Weight10.39%
1M Return3.36%
Annualized net profit margin on total assets (%)
Value1.41
Score3/3
Weight26.67%
1M Return8.07%
Value1.41
Score3/3
Weight26.67%
1M Return8.07%
Cost of sales ratio (%)
Value74.47
Score2/3
Weight10.12%
1M Return3.50%
Value74.47
Score2/3
Weight10.12%
1M Return3.50%
Current assets / Total assets (%)
Value46.60
Score2/3
Weight2.96%
1M Return1.06%
Value46.60
Score2/3
Weight2.96%
1M Return1.06%
Is OPHC fundamentally strong?
- OPHC scores 8.28/10 on fundamentals and holds a Discounted valuation at present. Backed by its 10.72% ROE, 34.18% net margin, 3.71 P/E ratio, 0.50 P/B ratio, and 0.00% earnings growth, these metrics solidify its Outperform investment rating.
