OptimumBank Holdings
Financial ratios & Valuation

Historical Multiples (2014 – 2023)

2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 TTM Median
Valuation Ratios
Price/Earnings ratio
5.68-21.76-9.93-8.815.62-4.78-12.642.436.054.813.533.53
Price/Sales ratio
1.810.871.111.451.431.591.871.371.290.840.751.59
Price/Book Value ratio
3.061.191.272.040.840.730.550.390.380.430.220.73
Price/Cash Flow ratio
6.995.657.149.11186.66-9.44-6.784.072.354.391.37-9.44
Price/Free Cash Flow ratio
7.795.888.7410.91-21.33-4.93-5.964.532.424.861.41-21.33
Price/Earnings Growth ratio
-0.040.19-0.08-0.22-0.020.020.23-0.00-0.100.17-0.110.02
Dividend Yield
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Profitability Indicator Ratios
Gross Profit Margin
100%100%100%100%100%100%100%100%100%100%N/A100%
Operating Profit Margin
31.91%-11.89%-11.18%16.99%65.23%-34.80%-14.79%27.45%50.21%26.22%N/A-34.80%
Pretax Profit Margin
31.91%-11.89%-11.18%-16.48%25.43%-34.80%-14.79%27.45%28.68%23.63%28.68%25.43%
Net Profit Margin
31.91%-4.01%-11.18%-16.48%25.43%-33.23%-14.79%56.32%21.40%17.56%21.40%-33.23%
Effective Tax Rate
56.76%66.25%-272.47%N/A-0.26%4.51%100%-105.14%25.38%25.70%25.38%-0.26%
Return on Assets
1.28%-0.12%-0.33%-0.61%0.79%-0.86%-0.33%1.78%0.68%0.79%0.68%-0.86%
Return On Equity
53.87%-5.49%-12.85%-23.14%15.00%-15.26%-4.38%16.34%6.42%8.97%7.62%-15.26%
Return on Capital Employed
1.28%-1.98%-1.08%0.77%4.75%-4.20%-1.77%1.34%4.67%1.18%N/A-4.20%
Liquidity Ratios
Current Ratio
0.100.080.150.130.080.071.22N/AN/AN/AN/A0.07
Quick Ratio
N/A0.490.672.000.330.240.681.230.44N/AN/A0.24
Cash ratio
N/A0.100.210.660.130.080.280.470.18N/AN/A0.08
Days of Sales Outstanding
30.9141.5139.1632.2936.6147.6392.2831.7028.0425.2328.0447.63
Days of Inventory outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Operating Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Days of Payables Outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Cash Conversion Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Debt Ratios
Debt Ratio
0.220.190.230.26N/A0.120.100.050.010.010.890.89
Debt Equity Ratio
9.368.479.3010.08N/A2.161.400.460.150.148.358.35
Long-term Debt to Capitalization
0.900.890.900.90N/A0.680.580.310.130.120.160.68
Total Debt to Capitalization
0.900.890.900.90N/A0.680.580.310.130.12N/A0.68
Interest Coverage Ratio
1.76-0.54-0.36N/AN/AN/A-0.45N/AN/AN/AN/AN/A
Cash Flow to Debt Ratio
0.040.020.010.02N/A-0.03-0.050.201.030.68N/A-0.03
Company Equity Multiplier
41.8042.9638.8537.6618.9117.5813.189.139.3511.309.3517.58
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
0.250.150.150.150.00-0.16-0.270.330.550.190.550.00
Free Cash Flow / Operating Cash Flow Ratio
0.890.960.810.83-8.751.911.130.890.960.900.96-8.75
Cash Flow Coverage Ratio
0.040.020.010.02N/A-0.03-0.050.201.030.68N/A-0.03
Short Term Coverage Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Dividend Payout Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A