Avoid the stress of overpaying for a stock or missing an opportunity by using the right tools and insights to evaluate OptimumBank Holdings, Inc. before investing.

In this article, we go over a few key elements for understanding OptimumBank Holdings, Inc.’s stock price such as:

• OptimumBank Holdings, Inc.’s current stock price and volume
• Why OptimumBank Holdings, Inc.’s stock price changed recently
• Upgrades and downgrades for OPHC from analysts
• OPHC’s stock price momentum as measured by its relative strength

About OptimumBank Holdings, Inc. (OPHC)

Before we jump into OptimumBank Holdings, Inc.’s stock price, history, target price and what caused it to recently rise, let’s take a look at some background.

OptimumBank Holdings, Inc. operates as the bank holding company for OptimumBank, which provides various consumer and commercial banking services to individuals and businesses. The company accepts 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 real estate, residential and commercial real estate, and land and construction loans; commercial loans for working capital purposes or acquiring equipment, inventory, and furniture; and consumer loans for various purposes, including purchases of automobiles, recreational vehicles, boats, home improvements, lines of credit, personal, and deposit account collateralized loans. In addition, the company provides debit and ATM cards; cash management, notary, and night depository services; and direct deposits, money orders, cashier’s checks, domestic collections, and banking by mail. OptimumBank Holdings, Inc. was founded in 2000 and is headquartered in Fort Lauderdale, Florida.

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OptimumBank Holdings, Inc.’s Stock Price as of Market Close

As of July 31, 2026, 4:00 PM, CST, OptimumBank Holdings, Inc.’s stock price was $7.600.

OptimumBank Holdings, Inc. is up 7.8% from its previous closing price of $7.050.

During the last market session, OptimumBank Holdings, Inc.’s stock traded between $7.050 and $7.630. Currently, there are approximately 11.97 million shares outstanding for OptimumBank Holdings, Inc..

OptimumBank Holdings, Inc.’s price-earnings (P/E) ratio is currently at 10.3, which is low compared to the Banks industry median of 12.9. The price-earnings ratio gauges market expectation of future performance by relating a stock’s current share price to its earnings per share.

OptimumBank Holdings, Inc. Stock Price History

OptimumBank Holdings, Inc.’s (OPHC) price is currently up 30.14% so far this month.

During the month of July, OptimumBank Holdings, Inc.’s stock price has reached a high of $7.630 and a low of $5.675.

Over the last year, OptimumBank Holdings, Inc. has hit prices as high as $7.625 and as low as $3.910. Year to date, OptimumBank Holdings, Inc.’s stock is up 78.82%.

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What Caused OptimumBank Holdings, Inc. Stock’s Price to Rise?

Stock prices are primarily based on seller supply and buyer demand. But have you ever wondered about what other factors affect a stock's price?

When an analyst changes their opinion of a stock by upgrading or downgrading their rating, it often leads to a sudden stock price adjustment. As of July 31, 2026, there were 0 analysts who downgraded OptimumBank Holdings, Inc.’s stock and 1 analyst who upgraded over the last month.

Additionally, you'll want to evaluate OptimumBank Holdings, Inc.’s financial health and valuation. Investors can use AAII's Value Grade, which combines six key valuation metrics like P/E and P/S ratios for a comprehensive analysis to conduct analysis on OptimumBank Holdings, Inc.’s valuation and financial health. This approach mitigates the limitations of single-metric evaluations.

OptimumBank Holdings, Inc.’s current valuation based on AAII’s Value Grade is a A, which means it is considered to be Deep Value.

Learn how to evaluate stocks with AAII Grades and Scores with A+ Investor today.

Lastly, news and media coverage as well as recent press reports about the company or its industry may cause stock prices to fluctuate. You can check out the most recent news articles about OptimumBank Holdings, Inc. (OPHC) by visiting AAII Stock Evaluator.

Relative Price Strength of OptimumBank Holdings, Inc.

Relative price strength measures a stock's performance against the market, helping investors identify stocks that are outperforming benchmarks.

For AAII’s Momentum Grade, a weighted relative price strength is calculated. Follow this link to learn more about the Momentum Grade.

As of July 31, 2026, OptimumBank Holdings, Inc. has a weighted four-quarter relative price strength of 15.00%, which translates to a Momentum Score of 89 and is considered to be Very Strong.

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OptimumBank Holdings, Inc. Stock Price: Bottom Line

As of July 31, 2026, OptimumBank Holdings, Inc.’s stock price is $7.600, which is up 7.8% from its previous closing price.

AAII advises against making stock decisions based solely on price or past returns. Instead, consider a variety of metrics, fundamentals, and analytics to evaluate a stock like OptimumBank Holdings, Inc. stock prices are influenced by market supply and demand and offer just a snapshot of a company's overall health.

Subscribing to AAII's A+ Investor provides access to comprehensive analytics and insights for confident investing.