OptimumBank Holdings, Inc.
OptimumBank Holdings, Inc. (AMEX: OPHC) is trading at $8.85, about ₹850 at today's USD/INR rate, as of 25 Sep 2026, 4:00 PM ET, down 4.53% today. Indian residents can buy OptimumBank from India on Paasa under the RBI's Liberalised Remittance Scheme.
Quote
Today's low
$8.74
Today's high
$9.32
52 week low
$3.91
52 week high
$10.68
OPHC opened at $9.20, closed previously at $9.27, and has traded between $3.91 and $10.68 over the past 52 weeks.
About
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.
Key statistics
Avg. volume
92.78K
Market cap
$107.67M
P/E Ratio
5.12
Price-to-sales ratio
1.37
Enterprise value
$98.13M
Free cash flow yield
24.53%
Debt-to-equity ratio
0.04
Return on equity
16.39%
ROIC
37.38%
Beta
0.29
Dividend yield
0.00%
Last dividend
$0.00
Financial overview
Revenue
$71.13M
Earnings per share
$1.42
Free cash flow
$16.95M
Net profit margin
26.06%
Gross margin
69.38%
EBITDA
$23.05M
Revenue growth
10.70%
Similar securities
This is not an investment recommendation
How to buy OptimumBank from India
Indian residents can buy OptimumBank shares through Paasa in four steps. Funds leave India under the RBI's Liberalised Remittance Scheme and the shares are held in your own name with Interactive Brokers.
Open a Paasa account
Complete digital KYC with your PAN, Aadhaar and address proof. Your brokerage account is opened in your own name with Interactive Brokers.
Add funds under LRS
Transfer INR from your Indian bank account. Your bank reports the remittance under the RBI's Liberalised Remittance Scheme and converts it to US dollars.
Search for OptimumBank and place an order
Find OptimumBank by name or by its ticker, OPHC, and choose an order type. You can buy by amount or by quantity — fractional shares mean there is no minimum trade size. OptimumBank trades 7:00 pm – 1:30 am IST; orders can only execute during that window.
Track holdings and download tax reports
Follow your OptimumBank position in USD and INR. OptimumBank pays no dividend today, so your filing is the capital-gains statement plus the Schedule FA holding line.
Read the full guide: how to invest in OptimumBank from India
Trading and taxes when buying OptimumBank from India
Trading and limits
- Trading hours
- 9:30 am – 4:00 pm ET
- LRS limit
- $250,000Per financial year, under the RBI's Liberalised Remittance Scheme.
Tax for Indian residents
- TCS on remittance
- 20%Collected by your bank on LRS remittances above ₹10 lakh in a financial year. The TCS is adjustable against your income-tax liability.Adjusting TCS against your tax
- Capital gains in India
- 12.5% or slab rateGains on shares held for more than 24 months are long-term and taxed at 12.5%. Gains on shares held for 24 months or less are short-term and taxed at your income-tax slab rate.Capital gains explained
- Dividends
- NoneOptimumBank does not currently pay a dividend. If it starts, dividends are taxed at your slab rate in India.Dividend tax explained
- US estate tax
- May applyUS-situs assets such as US-listed shares can be exposed to US estate tax for non-US persons.US estate tax calculator
Custody. Shares are held in your own name at Interactive Brokers LLC and are SIPC-insured up to $500,000 in total, including $250,000 for cash.
FAQs
Can Indian residents buy OptimumBank stock?
Yes. OptimumBank (OPHC) has been listed on NYSE American since 2003, in the Banks - Regional industry, and Indian residents can buy it through Paasa. You fund the account from your Indian bank under the RBI's Liberalised Remittance Scheme and the money is converted to US dollars. Shares are held in your own name at Interactive Brokers LLC and are SIPC-insured up to $500,000 in total, including $250,000 for cash.
How much does one OptimumBank share cost in rupees?
One OptimumBank share is $8.85 — about ₹850 at a USD/INR rate of 96.02 on 24 Sep 2026. Both the OptimumBank price and the rupee rate move during the day, so the rupee cost changes with them.
What are the LRS and TCS rules for buying OptimumBank from India?
Remit up to $250,000 per financial year under the RBI's Liberalised Remittance Scheme (LRS). Banks collect 20% tax at source on LRS remittances above ₹10 lakh in a financial year; the TCS is adjustable against your income-tax liability. FX and the LRS declaration are handled by your bank when you fund your account.
Can I buy whole shares of OptimumBank?
Yes. One OptimumBank share is $8.85, and you can buy as many whole shares as you like. You can also buy by amount rather than by quantity: there is no minimum trade size, and Paasa supports fractional investing in OptimumBank.
How are gains on OptimumBank shares taxed in India?
The US does not levy capital gains tax on shares for Indian residents, so the tax is an India-side one. Gains on shares held for more than 24 months are long-term and taxed at 12.5%. Gains on shares held for 24 months or less are short-term and taxed at your income-tax slab rate. The gain is computed in rupees using the USD/INR rate on the purchase and the sale date, so the rupee move counts alongside the OptimumBank price. Paasa issues a capital-gains statement for your return.
Does OptimumBank pay a dividend?
No. OptimumBank does not currently pay a dividend, so holding it produces no dividend income to declare in India. If it starts paying one, the Indian treatment is the usual one — dividends are taxed at your slab rate in India — and Paasa's dividend report would show the gross amount and any tax withheld.
When can I trade OptimumBank from India?
NYSE American trades 7:00 pm – 1:30 am IST in Indian time, so the close lands after midnight. The window shifts to 8:00 pm – 2:30 am IST when the US is on standard time. Orders can only execute during that window.
Is there estate or inheritance tax on OptimumBank shares held from India?
US-situs assets such as US-listed shares can be exposed to US estate tax for non-US persons. It applies to your overall holdings in that jurisdiction rather than to any one position. Paasa's US estate tax calculator shows the exposure for a given portfolio value.
Do I have to declare OptimumBank shares in my Indian tax return?
Yes. Foreign shares held on 31 March must be reported in Schedule FA of your Indian income-tax return. Paasa gives you a Schedule FA-ready statement listing your OptimumBank holding, its cost and its closing value.
How do I sell OptimumBank and bring the money back to India?
You sell during market hours (7:00 pm – 1:30 am IST) and the proceeds settle in USD in your Paasa account. From there you can hold the balance, reinvest, or repatriate. Funds can be withdrawn in any currency to any bank account in your own name. Whether the sale is short- or long-term is decided by the 24-month holding period.