OptimumBank Holdings, Inc. (OPHC) Fair Value 2026

OPHC · Banks - Regional ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

8.5 /10

32 fundamental signals · 3 models active

Value Trap Risk

SAFE (6/100)

Quick Summary — As of 2026-08-27, OptimumBank Holdings, Inc. (OPHC) trades at $8.74, versus a $20.53 median fair value across its 3 active models — 134.9% above the current price. QOC: 8.5/10. Value Trap Risk: 6/100 (SAFE). 3/13 models active.

Key Facts

Ticker
OPHC
Price
$8.74
Quality Score
8.5/10
Value Trap Risk
6/100
Models Active
3/13
Last Updated
Strength: ML-RIV suggests +173.3% upside with 48% confidence
Risk: Limited model coverage (3/13) may reduce confidence

Is OptimumBank Holdings, Inc. (OPHC) Undervalued or Overvalued in 2026?

According to CirclFi’s 3-model valuation engine, OptimumBank Holdings, Inc. (OPHC) appears undervalued as of : the median of 3 independent fair value estimates is $20.53, 134.9% above the current price of $8.74. Estimates range from $11.36 to $23.89. OPHC scores 8.5/10 on fundamental quality and 6/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.7% versus its own 13-model consensus, across 3,801 rated companies as of 2026-08-27. OPHC’s +134.9% gap is wider than that market norm, and the Banks - Regional sector median is -22.0%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy OptimumBank Holdings, Inc. Stock in 2026? →

What Fair Value Does Each Model Give OPHC?

3 Intrinsic Value Models vs. Current Price ($8.74)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · Medium Conviction
 $23.89 +173.3%
Relative · Medium Conviction
 $20.53 +134.9%
Relative · Low Conviction
 $11.36 +30.0%

All Models Active

All 3 models are displayed above.

What Is OPHC's Fair Value Range?

Spread across 3 independent models · $11.36 to $23.89

CirclFi's 3 active models place OptimumBank Holdings, Inc. (OPHC) between $11.36 and $23.89 per share, a spread of 61% of the median. The median of that range — $20.53 — is the fair value CirclFi publishes for OPHC, against a current price of $8.74.

Low · FTNNHigh · ML-RIV
$11.36median $20.53$23.89
Where the range comes from
Most bearish modelFTNN Topology$11.36
Most bullish modelML Residual Income$23.89
Model agreement3 bullish · 0 bearishmoderate

A band of this width is typical. The methods agree on direction but weight growth, reinvestment and risk differently, so treat the median as a centre of gravity rather than a precise target.

Every figure above is one model's standalone output on OPHC, not a CirclFi price target. How each model works →

What Is OptimumBank Holdings, Inc. (OPHC) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, OptimumBank Holdings, Inc.'s intrinsic value is estimated at a median fair value of $20.53. At a current market price of $8.74, 3 of 3 active valuation models identify upside potential, projecting a median implied return of +134.9%. Notably, ML-RIV sees the most upside at +173.3% (fair value: $23.89), while FTNN is the most conservative at +30.0% ($11.36). The spread between these extremes — +143.4% — reveals how different analytical frameworks can reach starkly different conclusions.

What Do the Models Say About OPHC?

3 of 13 models are currently active for OPHC. All 3 active models suggest the stock trades below fair value. Taken together, their median fair value for OPHC is $20.53 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does OPHC Rank in Banks - Regional?

Among 349 Banks - Regional stocks, OPHC ranks #62 by Quality of Company score. CirclFi's QOC score of 8.5/10 evaluates 32 fundamental signals. A score of 8.5 places OPHC in the top tier.

See all Most Undervalued Banks - Regional Stocks →

OptimumBank Holdings, Inc.'s positioning within the Banks - Regional segment means that cost-to-income ratio plays an outsized role in fundamental analysis. The sector's unique characteristics — including interest rate environment — shape both the opportunity set and risk profile.

Is OPHC a Value Trap?

CirclFi's Value Trap algorithm assigns OPHC a score of 6/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

3 of 13 models are active for OptimumBank Holdings, Inc.. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, OptimumBank Holdings, Inc. earns a quality score of 8.5/10. This robust rating reflects the company's standing across 32 fundamental signals spanning profitability, growth consistency, balance sheet strength, and capital allocation efficiency.

The gap between the most bullish and bearish model spans +143.4% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every OPHC valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across OPHC's 3 active models, average confidence is 34%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy OptimumBank Holdings, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Banks - Regional Stocks Should You Also Analyze?

11 related Banks - Regional stocks with 13-model coverage

RVRFRiver Financial CorporationQOC 8.5BWFGBankwell Financial Group, Inc.QOC 8.5HBTHBT Financial, Inc.QOC 8.5ISBAIsabella Bank CorporationQOC 8.5NICNicolet Bankshares, Inc.QOC 8.5CBSHCommerce Bancshares, Inc.QOC 8.5CZNCCitizens & Northern CorporationQOC 8.1BOKFBOK Financial CorporationQOC 7.7AVALGrupo Aval Acciones y Valores S.A.QOC 6.4ESQEsquire Financial Holdings, Inc.QOC 9.1PEBOPeoples Bancorp Inc.QOC 9.1

Read investment analysis: RVRF · BWFG · HBT · ISBA · NIC · CBSH · CZNC · BOKF · AVAL · ESQ · PEBO

Which Other Stocks Have a Similar Quality Score to OPHC?

7 companies across all industries closest to OPHC’s Quality of Company score of 8.5/10.

GVAGranite Construction IncorporatedQOC 8.5PAYOPayoneer Global Inc.QOC 8.5FOXFox CorporationQOC 8.5CVXChevron CorporationQOC 8.5FOXAFox CorporationQOC 8.5BMYBristol-Myers Squibb CompanyQOC 8.5NVDANVIDIA CorporationQOC 10.0

Read investment analysis: GVA · PAYO · FOX · CVX · FOXA · BMY · NVDA

Where Does OPHC Sit in CirclFi's Banks - Regional Rankings?

OPHC is ranked against every other Banks - Regional stock CirclFi covers in each of these screens.

See all Banks - Regional stocks ranked →

What Else Do Investors Ask About OptimumBank Holdings, Inc.’s Valuation?

What is OptimumBank Holdings, Inc.'s intrinsic value in 2026?

CirclFi puts OptimumBank Holdings, Inc. (OPHC)'s intrinsic value at $20.53 — the median of 3 independent model estimates as of 2026-08-27, ranging from $11.36 to $23.89. The Quality of Company score is 8.5/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is OPHC overvalued or undervalued right now?

At $8.74, 3 of 3 active models suggest OPHC may be undervalued, while 0 indicate potential overvaluation. The median of all 3 fair value estimates is $20.53, 134.9% above the current price of $8.74 — a consensus view that OPHC is undervalued. The assessment depends on which methodology best fits OptimumBank Holdings, Inc.'s business model in Banks - Regional.

What does a Quality of Company score of 8.5 mean for OPHC?

OptimumBank Holdings, Inc.'s QOC of 8.5/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on OPHC?

CirclFi analyzes OPHC with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 3 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on OPHC?

Of the 3 models currently active on OPHC, ML Residual Income is the most bullish at $23.89 per share, and FTNN Topology is the most bearish at $11.36. CirclFi's published fair value for OPHC is the median of that range, $20.53, not either extreme. The gap between the two ends equals 61% of the median — a normal spread for a company of this profile. Browse stocks by value-trap risk →

Is OPHC a value trap in 2026?

OptimumBank Holdings, Inc.'s Value Trap score is 6/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 3-model valuation engine, OptimumBank Holdings, Inc. (OPHC) has a median fair value of $20.53 — 134.9% above the current price of $8.74 — as of 2026-08-27.” Source: circlfi.com/stock/OPHC/ · Methodology
Primary sources for this OPHC valuation
  • Financial statements: OptimumBank Holdings, Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0001288855) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for OPHC as of ; valuations recomputed .