OPHC

OptimumBank Holdings’ fundamentals are robust, scoring 7.8/10. Key strengths include a high fixed assets turnover ratio (1393.3246), indicating efficient fixed asset utilization, and strong profitability metrics such as Total profit (YoY +144.83%) and Net profit (YoY +145.66%). These factors place the company in favorable performance groups (3-4) with positive historical one-month returns (5.36% to 6.51%). Additionally, a healthy ROA (1.0565) and net profit margin on total assets (1.4087) reinforce the positive fundamental narrative. The cost of sales ratio (74.47%) is acceptable, while a high equity multiplier (10.1968) signals higher leverage, a minor concern. Overall, the fundamental profile is strong and supports an Outperform rating.