OPHC
Optimumbank Holdings
PE ratio, current and historical analysis
- Stocks
- Financial Services
- NYSEAMERICAN: OPHC
- PE Ratio
The PE ratio for Optimumbank Holdings stock stands at 3.66 as of Jun 3, 2026. This is calculated based on the TTM EPS of $1.49 and the stock price of $5.45 per share. An increase of 15% has been observed in the PE ratio compared to its average of 3.2 of the last four quarters.
OPHC PE ratio history
Over the last eight years, the average PE ratio of Optimumbank Holdings has been 4.97. The current 3.66 P/E ratio is 26% lower than the historical average. Looking back at the last eight years, OPHC's PE ratio peaked in the Jun 2021 quarter at 24.12, with a price of $4.82 and an EPS of $0.2. The Jun 2022 quarter marked the lowest point at 2.38, with a price of $4 and an EPS of $1.68.
Optimumbank Holdings PE ratio by year
Maximum annual increase: 146.31% in 2022
Maximum annual decrease: -28.9% in 2024
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| 2025 | 2.99 | -12.57% | $4.25 | $1.42 |
| 2024 | 3.42 | -28.9% | $4.76 | $1.39 |
| 2023 | 4.81 | -19.97% | $4.18 | $0.87 |
| 2022 | 6.01 | 146.31% | $4.09 | $0.68 |
| 2021 | 2.44 | N/A | $3.93 | $1.61 |
| 2020 | N/A | N/A | $3.37 | -$0.27 |
| 2019 | N/A | N/A | $2.77 | -$0.58 |
| 2018 | 5.66 | N/A | $3 | $0.53 |
| 2017 | N/A | N/A | $4.7 | -$0.53 |
| 2016 | N/A | N/A | $3.78 | -$0.38 |
| 2015 | N/A | N/A | $3.72 | -$0.17 |
| 2014 | 5.68 | N/A | $10.51 | $1.85 |
| 2013 | N/A | N/A | $14.95 | -$8.9 |
| 2012 | N/A | N/A | $19.6 | -$6.9 |
| 2011 | N/A | N/A | $20 | -$32.8 |
Optimumbank Holdings PE ratio by quarter (TTM)
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| Mar 2026 | 3.42 | 14.38% | $5.1 | $1.49 |
| Dec 2025 | 2.99 | 0.67% | $4.25 | $1.42 |
| Sep 2025 | 2.97 | -10.27% | $4.1 | $1.38 |
| Jun 2025 | 3.31 | 12.59% | $4.47 | $1.35 |
| Mar 2025 | 2.94 | -14.04% | $4.11 | $1.4 |
| Dec 2024 | 3.42 | 1.79% | $4.76 | $1.39 |
| Sep 2024 | 3.36 | -6.15% | $4.57 | $1.36 |
| Jun 2024 | 3.58 | -14.96% | $4.3 | $1.2 |
| Mar 2024 | 4.21 | -12.47% | $4.29 | $1.02 |
| Dec 2023 | 4.81 | 14.8% | $4.18 | $0.87 |
| Sep 2023 | 4.19 | 0.48% | $3.18 | $0.76 |
| Jun 2023 | 4.17 | -15.59% | $2.88 | $0.69 |
| Mar 2023 | 4.94 | -17.8% | $3.31 | $0.67 |
| Dec 2022 | 6.01 | 132.95% | $4.09 | $0.68 |
| Sep 2022 | 2.58 | 8.4% | $4.07 | $1.58 |
OPHC Price vs fair value
OPHC average PE ratio chart
What this chart measures
The Historical Valuation Regime chart shows where the stock's current valuation sits relative to its own historical valuation range over the selected lookback period.
This is a history-relative tool, not a market-relative percentile. It does not compare the stock to other companies. Instead, it compares each historical valuation reading to the stock's own past readings.
Percentile logic
The threshold lines are calculated them from the stock's real historical values using percentile interpolation. That is why some colored bands are narrow while others are wide: the band widths reflect how the stock actually traded through time.
Regime map
| Historical percentile | Regime | Chart meaning |
|---|---|---|
| 0-10 | Historically Low | Deep cheap zone |
| >10-25 | Below Average | Cheap relative to history |
| >25-75 | Average | Within the normal historical range |
| >75-90 | Above Average | Expensive relative to history |
| >90-100 | Historically High | Extreme or stretched valuation |
How to read each part
| Chart element | What it tells you |
|---|---|
| Main line | The actual historical valuation values over time for the selected metric. |
| Dashed horizontal lines | The stock's computed P10, P25, Median, P75, and P90 thresholds for the selected period. |
| Colored bands | The historical valuation zones between those thresholds. |
| Metric boxes | Current ratio, historical median, current percentile, and current regime. |
| Timeline strip | A condensed regime history showing how the stock moved between cheap, fair, and expensive states across each observation. |
Important metric definitions
Current Percentile is the percentile rank of the latest valid historical observation within the selected lookback range.
Current Regime is assigned directly from the latest observation's percentile bucket using the fixed 10 / 25 / 75 / 90 cutoffs shown above.
How to use it well
This chart is most useful for answering a narrow question: Is this stock trading high, low, or normal relative to its own history? It works best alongside growth, profitability, and forward-looking business analysis, because a stock can deserve a higher or lower regime if its business quality has changed.
The current PE ratio of OPHC is higher than its 3-year average, but it is lower than its 5 and 10-year averages.
PE comparison
With a price to earnings (P/E) of 3.66, OPHC ranks lower than the Financial Services sector, the industry and its peers average. In comparison with the Financial Services sector average of 12.1, Optimumbank Holdings's price to earnings (P/E) is 70% lower.
OPHC PE vs peers
OPHC's PE ratio stands lower than its peer stocks QCRH and MSBI. Optimumbank Holdings is currently trading at a lower PE ratio (3.66) than its peers average of 14.03.
| Stock name | PE ratio | Market cap |
|---|---|---|
| OPHC Optimumbank Holdings Inc. | 3.66 | $66.99M |
| LARK Landmark Bancorp Inc | 9.12 | $174.57M |
| FUNC First United Corp | 10.16 | $256.06M |
| QCRH Qcr Holdings Inc | 11.61 | $1.53B |
| FVCB FVCBankcorp Inc | 12.33 | $288.49M |
| CZNC Citizens & Northern Corp | 19.35 | $374.46M |
| MSBI Midland States Bancorp Inc | 24.17 | $591.21M |
Frequently asked questions
What is Optimumbank Holdings's PE ratio?
As of Jun 3, 2026, OPHC stock has a price to earnings ratio of 3.66.
What is the 3-year average PE ratio for Optimumbank Holdings (OPHC)?
The average PE ratio for OPHC stock over the past 3 years is 3.61.
What is the 5-year average PE ratio for Optimumbank Holdings (OPHC)?
The average PE ratio for OPHC stock over the past 5 years is 4.87.
What is the highest PE ratio for OPHC?
Over the last eight years, the quarterly PE ratio reached its highest level at 24.12 in the Jun 2021 quarter.
How does the current PE ratio for OPHC compare to its historical average?
The current PE ratio of OPHC is 26% lower than the 8-year historical average.
Why is Optimumbank Holdings's PE ratio so low?
OPHC's PE ratio is low because its earnings per share (EPS) is high relative to its stock price.
How is OPHC's PE ratio calculated (Optimumbank Holdings PE ratio formula)?
The P/E ratio is obtained by dividing the latest price of a stock by its trailing twelve months EPS. As of today (Jun 3, 2026), Optimumbank Holdings's share price is $5.45. The company's earnings per share for the trailing twelve months (TTM) ending Mar 2026 is $1.49. Therefore, Optimumbank Holdings's PE ratio for today is 3.66. PE RATIO(3.66) = STOCK PRICE($5.45) / TTM EPS($1.49)
All PE ratio stats are based on quarterly TTM periods, unless otherwise specified.