OptimumBank Holdings, Inc. Net Assets
OptimumBank Holdings, Inc. net assets. Based on the latest financial reports, OptimumBank Holdings, Inc. (OPHC) has net assets worth $116.89 Million USD as of September 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($1.08 Billion) and total liabilities ($966.15 Million). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Also explore net asset momentum of OptimumBank Holdings, Inc. to track the company's year-over-year net asset growth rate.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $116.89 Million |
| % of Total Assets | 10.79% |
| Annual Growth Rate | 12.95% |
| 5-Year Change | 478.58% |
| 10-Year Change | 3377.72% |
| Growth Volatility | 60.68 |
Net Assets of OptimumBank Holdings, Inc. (2000–2024)
Net assets of OptimumBank Holdings, Inc. from 2000 to 2024. This chart illustrates how OptimumBank Holdings, Inc.'s net assets have evolved over time, based on quarterly financial data. See OptimumBank Holdings, Inc. balance sheet quality to measure how much of total assets are equity-financed.
Annual Net Assets for OptimumBank Holdings, Inc. (2000–2024)
The table below shows the annual net assets of OptimumBank Holdings, Inc. from 2000 to 2024. For live market cap and overall valuation, see OptimumBank Holdings, Inc. market capitalisation.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | $103.18 Million | +47.39% |
| 2023-12-31 | $70.01 Million | +11.87% |
| 2022-12-31 | $62.58 Million | +62.50% |
| 2021-12-31 | $38.51 Million | +115.94% |
| 2020-12-31 | $17.83 Million | +147.45% |
| 2019-12-31 | $7.21 Million | +35.83% |
| 2018-12-31 | $5.31 Million | +108.49% |
| 2017-12-31 | $2.54 Million | -17.40% |
| 2016-12-31 | $3.08 Million | +3.84% |
| 2015-12-31 | $2.97 Million | -0.40% |
| 2014-12-31 | $2.98 Million | +1479.17% |
| 2013-12-31 | $-216.00K | -103.13% |
| 2012-12-31 | $6.91 Million | +1.83% |
| 2011-12-31 | $6.79 Million | +139.37% |
| 2010-12-31 | $2.83 Million | -74.88% |
| 2009-12-31 | $11.29 Million | -50.42% |
| 2008-12-31 | $22.77 Million | +2.33% |
| 2007-12-31 | $22.25 Million | +8.93% |
| 2006-12-31 | $20.42 Million | +10.93% |
| 2005-12-31 | $18.41 Million | +10.09% |
| 2004-12-31 | $16.72 Million | +12.23% |
| 2003-12-31 | $14.90 Million | +9.35% |
| 2002-12-31 | $13.63 Million | +62.27% |
| 2001-12-31 | $8.40 Million | +51.16% |
| 2000-12-31 | $5.55 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to OptimumBank Holdings, Inc.'s total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have decreased by 284700000.0% over the analyzed period, potentially due to dividend distributions or operating losses.
OptimumBank Holdings, Inc. Net Assets Breakdown (December 2024)
OptimumBank Holdings, Inc. net assets breakdown by equity component as of December 2024.
| Component | Amount | Percentage |
|---|---|---|
| Common Stock | $116.00K | 0.11% |
| Other Comprehensive Income | $-5.57 Million | -5.40% |
| Other Components | $111.48 Million | 108.04% |
| Total Equity | $103.18 Million | 100.00% |
OptimumBank Holdings, Inc. Competitors by Market Cap
The table below lists competitors of OptimumBank Holdings, Inc. ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Gmb Korea
KO:013870
|
$47.31 Million |
|
Energous Corporation
NASDAQ:WATT
|
$47.31 Million |
|
EQ Inc.
V:EQ
|
$47.32 Million |
|
Neptune Digital Assets Corp
V:NDA
|
$47.33 Million |
|
Classic Scenic Bhd
KLSE:7202
|
$47.28 Million |
|
Resolution Minerals Ltd
AU:RML
|
$47.25 Million |
|
Primotec Group Ltd
TA:PRMG
|
$47.25 Million |
|
B&B Triplewall Containers Limited
NSE:BBTCL
|
$47.24 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in OptimumBank Holdings, Inc.'s equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 70,007,000 to 103,184,000, a change of 33,177,000 (47.4%).
- Net income of 13,124,000 contributed positively to equity growth.
- New share issuances of 19,818,000 increased equity.
- Other comprehensive income decreased equity by 255,000.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $13.12 Million | +12.72% |
| Share Issuances | $19.82 Million | +19.21% |
| Other Comprehensive Income | $-255.00K | -0.25% |
| Other Changes | $490.00K | +0.47% |
| Total Change | $- | 47.39% |
Book Value vs Market Value Analysis
This analysis compares OptimumBank Holdings, Inc.'s book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.39x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has increased from 0.01x to 0.39x over the analyzed period, suggesting growing market confidence.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2000-12-31 | $626.76 | $4.10 | x |
| 2001-12-31 | $602.89 | $4.10 | x |
| 2002-12-31 | $821.78 | $4.10 | x |
| 2003-12-31 | $745.07 | $4.10 | x |
| 2004-12-31 | $813.22 | $4.10 | x |
| 2005-12-31 | $847.64 | $4.10 | x |
| 2006-12-31 | $969.66 | $4.10 | x |
| 2007-12-31 | $1056.41 | $4.10 | x |
| 2008-12-31 | $1096.32 | $4.10 | x |
| 2009-12-31 | $551.09 | $4.10 | x |
| 2010-12-31 | $138.41 | $4.10 | x |
| 2011-12-31 | $59.31 | $4.10 | x |
| 2012-12-31 | $10.10 | $4.10 | x |
| 2013-12-31 | $-0.27 | $4.10 | x |
| 2014-12-31 | $3.43 | $4.10 | x |
| 2015-12-31 | $3.11 | $4.10 | x |
| 2016-12-31 | $2.96 | $4.10 | x |
| 2017-12-31 | $2.30 | $4.10 | x |
| 2018-12-31 | $3.55 | $4.10 | x |
| 2019-12-31 | $3.79 | $4.10 | x |
| 2020-12-31 | $6.08 | $4.10 | x |
| 2021-12-31 | $9.88 | $4.10 | x |
| 2022-12-31 | $10.51 | $4.10 | x |
| 2023-12-31 | $9.67 | $4.10 | x |
| 2024-12-31 | $10.46 | $4.10 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently OptimumBank Holdings, Inc. utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 12.72%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 20.43%
- • Asset Turnover: 0.07x
- • Equity Multiplier: 9.04x
- Recent ROE (12.72%) is above the historical average (-17.07%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2000 | -2.52% | -73.30% | 0.01x | 2.51x | $-695.50K |
| 2001 | -0.65% | -4.76% | 0.03x | 4.86x | $-894.70K |
| 2002 | 3.68% | 22.02% | 0.03x | 5.52x | $-860.60K |
| 2003 | 6.54% | 27.73% | 0.03x | 9.07x | $-516.00K |
| 2004 | 9.39% | 16.52% | 0.06x | 9.84x | $-102.30K |
| 2005 | 8.70% | 13.38% | 0.06x | 11.19x | $-240.00K |
| 2006 | 8.98% | 12.38% | 0.07x | 11.05x | $-208.30K |
| 2007 | 7.83% | 10.55% | 0.07x | 10.86x | $-482.70K |
| 2008 | 2.28% | 3.26% | 0.06x | 11.23x | $-1.76 Million |
| 2009 | -101.71% | -81.77% | 0.05x | 23.92x | $-12.61 Million |
| 2010 | -298.17% | -83.03% | 0.05x | 67.13x | $-8.74 Million |
| 2011 | -55.22% | -55.09% | 0.04x | 22.76x | $-4.43 Million |
| 2012 | -67.97% | -93.73% | 0.03x | 20.80x | $-5.39 Million |
| 2013 | 0.00% | -139.77% | 0.04x | 0.00x | $-7.05 Million |
| 2014 | 53.88% | 26.91% | 0.05x | 41.80x | $1.31 Million |
| 2015 | -5.49% | -3.30% | 0.04x | 42.97x | $-459.70K |
| 2016 | -12.85% | -8.57% | 0.04x | 38.85x | $-704.10K |
| 2017 | -23.14% | -12.35% | 0.05x | 37.67x | $-843.50K |
| 2018 | 15.00% | 18.19% | 0.04x | 18.92x | $265.40K |
| 2019 | -15.26% | -20.54% | 0.04x | 17.59x | $-1.82 Million |
| 2020 | -4.38% | -11.17% | 0.03x | 13.18x | $-2.57 Million |
| 2021 | 16.35% | 53.25% | 0.03x | 9.14x | $2.44 Million |
| 2022 | 6.43% | 17.61% | 0.04x | 9.35x | $-2.23 Million |
| 2023 | 8.97% | 16.01% | 0.05x | 11.30x | $-717.70K |
| 2024 | 12.72% | 20.43% | 0.07x | 9.04x | $2.81 Million |
Industry Comparison
This section compares OptimumBank Holdings, Inc.'s net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $308,911,800
- Average return on equity (ROE) among peers: 0.08%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| OptimumBank Holdings, Inc. (OPHC) | $116.89 Million | -2.52% | 8.27x | $47.29 Million |
| Ameris Bancorp (ABCB) | $71.80 Million | 9.61% | 9.10x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $30.50 Million | 10.16% | 8.60x | $5.57 Billion |
| ACNB Corporation (ACNB) | $62.69 Million | 13.30% | 9.05x | $645.30 Million |
| Affinity Bancshares Inc (AFBI) | $76.38 Million | 0.59% | 3.01x | $140.18 Million |
| Alerus Financial Corp (ALRS) | $196.95 Million | 13.13% | 10.06x | $829.34 Million |
| Amalgamated Bank (AMAL) | $794.46 Million | 13.15% | 10.16x | $1.27 Billion |
| Amerant Bancorp Inc. (AMTB) | $901.22 Million | 12.53% | 7.48x | $979.96 Million |
| Arrow Financial Corporation (AROW) | $34.90 Million | -95.70% | 21.06x | $715.76 Million |
| Associated Banc-Corp (ASB) | $803.60 Million | 13.32% | 11.60x | $5.84 Billion |
| AmeriServ Financial Inc (ASRV) | $116.60 Million | 10.72% | 9.65x | $77.09 Million |
About OptimumBank Holdings, Inc.
OptimumBank Holdings, Inc. operates as the bank holding company for OptimumBank that provides various consumer and commercial banking services to individuals and businesses. The company accepts demand interest-bearing and noninterest-bearing, savings, money market, and NOW accounts, as well as time deposits, wire transfers, ACH services, and certificates of deposit. It also offers multi-family re… Read more