What if you'd held OPHC?
A $1,000 investment in OptimumBank Holdings, Inc. (OPHC) at the month-end close of 2003-06 would be worth $7.11 at the close of 2026-09 — -99.3% total return, dividends reinvested. The same $1,000 in the S&P 500, dividends reinvested, would be worth $12,273.
Your scenario
Result
If you'd bought $1,000 at the start of each year
Value of $1,000 invested on January 1 of each year, held to 2026-09, dividends included.
Every year, $1,000 from 2003
| Year | Value of $1,000 | Year return |
|---|---|---|
| 2003 | $1,000 | — |
| 2004 | $1,621 | +62.1% |
| 2005 | $1,261 | -22.2% |
| 2006 | $1,359 | +7.8% |
| 2007 | $1,088 | -20.0% |
| 2008 | $714 | -34.4% |
| 2009 | $325 | -54.4% |
| 2010 | $186 | -42.9% |
| 2011 | $18.73 | -89.9% |
| 2012 | $18.36 | -2.0% |
| 2013 | $14.05 | -23.5% |
| 2014 | $9.84 | -30.0% |
| 2015 | $3.47 | -64.8% |
| 2016 | $3.54 | +2.2% |
| 2017 | $4.40 | +24.3% |
| 2018 | $2.81 | -36.2% |
| 2019 | $2.59 | -7.7% |
| 2020 | $3.16 | +21.7% |
| 2021 | $3.68 | +16.6% |
| 2022 | $3.83 | +4.1% |
| 2023 | $3.92 | +2.2% |
| 2024 | $4.46 | +13.9% |
| 2025 | $3.98 | -10.7% |
| 2026 | $8.41 | +111.3% |
Best and worst month-end to buy
The best single month-end close to have bought OPHC was 2020-05 ($1.87): $1,000 then is $4,802 today. The worst was 2006-07 ($1,804): $1,000 then is $4.98.
FAQ
What would $1,000 in OPHC be worth today?
A $1,000 investment in OptimumBank Holdings, Inc. (OPHC) at the start of 2003 would be worth about $7.11 today, a total return of -99.3%. Dividends are reinvested in these figures.
What were the best and worst years for OPHC?
OptimumBank Holdings, Inc. (OPHC)'s strongest calendar year since 2003 was 2026, a +111.3% return — $1,000 held through that year became about $2,113 by year-end. Its weakest year was 2011, at -89.9%.
Does the calculator include dividends and splits?
Yes where available. Prices are adjusted for both stock splits and reinvested dividends (total return), the same measure brokerages use.
How much would $100 per month in OPHC have grown?
Investing $100 at the end of every month since 2003-06 would have grown to about $34,532 on $28,000 invested.
Did OPHC beat the S&P 500?
Over the same period, $1,000 in the S&P 500 with dividends reinvested (the S&P 500 Total Return index) would be worth $12,273. OPHC trailed the S&P 500 by +99.9% in total return.
Is this investment advice?
No. Wall Street Regrets is an entertainment and education tool. Every number is a historical calculation, not a prediction, and past performance never guarantees future results.
Methodology
OptimumBank Holdings, Inc. (OPHC) historical total-return data from 2003-06 to 2026-09, reduced to month-end closes for the tables above.
Returns use adjusted close prices — adjusted for stock splits and reinvested dividends, the same convention used by major brokerages. End-of-day and live prices come from EODHD; parts of the deep historical series are carried over from Yahoo Finance data. A "year" scenario invests $1,000 at the prior December's month-end close and values it at the latest available month-end close. Non-USD amounts are converted at historical month-end exchange rates (EODHD): to USD on the buy date and back to your currency at the latest rate, so the return reflects the currency move as well as the asset.
Month-end resolution means intra-month extremes are not captured in tables; the calculator uses exact trading-day closes where daily data is available. Figures ignore taxes, fees, and the currency effects of non-USD listings. History is not a forecast. Wall Street Regrets is entertainment, not investment advice.
What if you'd held…
Data: adjusted close prices via EODHD and Yahoo Finance. As of 2026-09-04. Not financial advice.