OptimumBank Holdings, Inc. cash flow to debt ratio of 33.83% indicates that the company generates enough cash to cover its debts. This level indicates strong financial health.

OptimumBank Holdings, Inc.'s free cash flow has increased 15.93% from $14.62M last year to $16.95M, signaling increasing performance

OptimumBank Holdings, Inc.'s debt to equity ratio is 0.34, which means that the company's assets are healthy financed, signaling financial stability. READ MORE: A ratio under 0.60 means the company finances its assets with own equity, signaling financial stability and good management.

OptimumBank Holdings, Inc.'s debt has decreased relative to shareholder equity from 1.00 last year to 0.34 today, signaling strengthened financials

OptimumBank Holdings, Inc. has a net debt to EBITDA ratio of 0.00x, which is below the 3.00x threshold, indicating healthy leverage and financial stability

OptimumBank Holdings, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

OptimumBank Holdings, Inc.'s profit margin has increased (12.16%) in the last year from 20.43% to 22.91%, signaling increasing performance

OptimumBank Holdings, Inc.'s short-term liabilities of $981.75M exceed its short-term assets of $118.18M, signaling financial risk

OptimumBank Holdings, Inc.'s return on assets of 1.37% is lower than the 5.00% threshold, indicating inefficient asset utilization

OptimumBank Holdings, Inc.'s return on equity of 14.63%, is lower than 15.00%, indicating bad performance

OptimumBank Holdings, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

OptimumBank Holdings, Inc. had positive net income in 5.00 out of 5 years, indicating stable and consistent earnings

OptimumBank Holdings, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

OptimumBank Holdings, Inc. has a free cash flow yield of 23.81%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

OptimumBank Holdings, Inc.'s yearly earnings has increased 26.85% since last year from $13.12M to $16.65M, signaling increasing performance

OptimumBank Holdings, Inc.'s yearly revenue has increased 0.16% since last year from $64.25M to $64.35M, signaling increasing performance

ROIC 9.92% (Source: FMP key-metrics). In the 5–10% partial-credit band. Score: 1 of 2. This band sits within the typical US weighted-average cost of capital range. Methodology choice can change the conclusion: under FMP's invested-capital definition the company is at or near its cost of capital; under narrower operating-capital definitions the same company may score higher. Invested capital here includes equity, non-current liabilities, and short-term debt. Cash is not subtracted. See methodology.

OptimumBank Holdings, Inc.'s 3-year revenue CAGR of 46.03% is positive, indicating growing revenue over the past 3 years

OptimumBank Holdings, Inc. had revenue growth in 5.00 out of 5 years, indicating consistent revenue performance

OptimumBank Holdings, Inc. had positive ROE in 5.00 out of 5 years, indicating consistent and reliable returns on equity

OptimumBank Holdings, Inc. has insufficient data to evaluate this check.

OptimumBank Holdings, Inc. has an earnings yield of 25.15%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

OptimumBank Holdings, Inc. is undervalued relative to its fair value price of 9.70 based on EBITDA multiple model

OptimumBank Holdings, Inc. has negative or missing EBITDA, making EV/EBITDA ratio unreliable

OptimumBank Holdings, Inc. is undervalued relative to its fair value price of 27.49 based on Earnings Fair Value model

OptimumBank Holdings, Inc. has a PEG-ratio under 1 which is considered undervalued

OptimumBank Holdings, Inc. has a price-to-book ratio of 0.55x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

OptimumBank Holdings, Inc. has a price-to-sales ratio of 0.93x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue