OptimumBank (OPHC) Competitors $4.23 0.00 (0.00%) As of 09/5/2025 04:00 PM Eastern This is a fair market value price provided by Polygon.io. Learn more. Add Compare Share Share Competitors Stock AnalysisChartCompetitorsHeadlinesInsider TradesOwnershipSEC FilingsShort InterestTrendsBuy This Stock OPHC vs. FRAF, BTCS, BLFY, BKKT, EFSI, FSFG, CBNA, CPSS, MRBK, and SWKHShould you be buying OptimumBank stock or one of its competitors? The main competitors of OptimumBank include Franklin Financial Services (FRAF), BTCS (BTCS), Blue Foundry Bancorp (BLFY), Bakkt (BKKT), Eagle Financial Services (EFSI), First Savings Financial Group (FSFG), Chain Bridge Bancorp (CBNA), Consumer Portfolio Services (CPSS), Meridian Bank (MRBK), and SWK (SWKH). These companies are all part of the "banking" industry. OptimumBank vs. Its Competitors Franklin Financial Services BTCS Blue Foundry Bancorp Bakkt Eagle Financial Services First Savings Financial Group Chain Bridge Bancorp Consumer Portfolio Services Meridian Bank SWK OptimumBank (NASDAQ:OPHC) and Franklin Financial Services (NASDAQ:FRAF) are both small-cap finance companies, but which is the better stock? We will compare the two businesses based on the strength of their risk, dividends, valuation, analyst recommendations, media sentiment, earnings, profitability and institutional ownership. Do insiders & institutionals hold more shares of OPHC or FRAF? 7.4% of OptimumBank shares are owned by institutional investors. Comparatively, 24.8% of Franklin Financial Services shares are owned by institutional investors. 13.9% of OptimumBank shares are owned by insiders. Comparatively, 6.9% of Franklin Financial Services shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term. Does the media prefer OPHC or FRAF? In the previous week, Franklin Financial Services had 2 more articles in the media than OptimumBank. MarketBeat recorded 3 mentions for Franklin Financial Services and 1 mentions for OptimumBank. OptimumBank's average media sentiment score of 1.08 beat Franklin Financial Services' score of 0.74 indicating that OptimumBank is being referred to more favorably in the media. Company Overall Sentiment OptimumBank Positive Franklin Financial Services Positive Which has more risk and volatility, OPHC or FRAF? OptimumBank has a beta of 0.43, indicating that its stock price is 57% less volatile than the S&P 500. Comparatively, Franklin Financial Services has a beta of 0.2, indicating that its stock price is 80% less volatile than the S&P 500. Is OPHC or FRAF more profitable? OptimumBank has a net margin of 19.62% compared to Franklin Financial Services' net margin of 11.78%. OptimumBank's return on equity of 14.10% beat Franklin Financial Services' return on equity.Company Net Margins Return on Equity Return on Assets OptimumBank19.62% 14.10% 1.31% Franklin Financial Services 11.78%9.64%0.65% Which has stronger valuation and earnings, OPHC or FRAF? Franklin Financial Services has higher revenue and earnings than OptimumBank. OptimumBank is trading at a lower price-to-earnings ratio than Franklin Financial Services, indicating that it is currently the more affordable of the two stocks. CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings RatioOptimumBank$43.11M1.15$6.28M$1.283.30Franklin Financial Services$76.08M2.78$11.10M$3.2614.49 SummaryFranklin Financial Services beats OptimumBank on 7 of the 13 factors compared between the two stocks. Get OptimumBank News Delivered to You Automatically Sign up to receive the latest news and ratings for OPHC and its competitors with MarketBeat's FREE daily newsletter. Subscribe Now View SMS TermsBy entering your phone number and clicking the sign-up button, you agree to receive periodic text messages from MarketBeat at the phone number you submitted, including texts that may be sent using an automatic telephone dialing system. Message and data rates may apply. Message frequency will vary. Messages will consist of stock alerts, news stories, and partner advertisements/offers. Consent is not a condition of the purchase of any goods or services. Text HELP for help/customer support. Unsubscribe at any time by replying "STOP" to any text message that you receive from MarketBeat or by visiting our mailing preferences page. Read our full terms of service and privacy policy. New MarketBeat Followers Over TimeWhat are MarkeBeat Followers?This chart shows the number of new MarketBeat users adding OPHC and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period. Skip ChartMedia Sentiment Over TimeWhat is Media Sentiment?This chart shows the average media sentiment of NASDAQ and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.Skip Chart OPHC vs. The Competition Export to ExcelMetricOptimumBankNational commercial banks IndustryFinance SectorNASDAQ ExchangeMarket Cap$49.69M$576.21M$12.63B$9.92BDividend YieldN/A2.56%5.41%4.52%P/E Ratio3.2011.43232.4226.13Price / Sales1.152.7830.99172.60Price / Cash4.7711.5922.1359.28Price / Book0.441.382.296.09Net Income$6.28M$23.34M$1.01B$266.51M7 Day Performance-0.47%-0.18%0.45%0.45%1 Month Performance3.93%7.76%3.99%5.05%1 Year Performance-6.21%18.14%544.49%26.03% OptimumBank Competitors List Export to ExcelCompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)OPHCOptimumBank2.8581 of 5 stars$4.23flatN/A-6.2%$49.69M$43.11M3.2040Positive NewsShort Interest ↓FRAFFranklin Financial Services1.6585 of 5 stars$46.18+2.3%N/A+46.7%$206.52M$76.08M14.15280News CoverageBTCSBTCS1.9486 of 5 stars$4.21-2.7%$7.00+66.5%+304.8%$202.06M$7.52M-3.694Dividend AnnouncementShort Interest ↑BLFYBlue Foundry Bancorp1.5176 of 5 stars$9.37+1.0%$10.00+6.7%-9.4%$201.46M$87.25M-17.04180Positive NewsBKKTBakkt0.147 of 5 stars$9.13+8.9%N/A-25.8%$196.76M$3.78B-2.06760Gap UpEFSIEagle Financial Services2.7754 of 5 stars$36.51+0.9%$39.50+8.2%N/A$196.42M$112.88M16.90230News CoveragePositive NewsFSFGFirst Savings Financial Group4.7304 of 5 stars$27.43+0.5%$32.33+17.9%+15.5%$191.46M$134.52M8.88470News CoveragePositive NewsCBNAChain Bridge Bancorp2.3457 of 5 stars$28.45-0.3%$29.67+4.3%N/A$186.66M$56.65M7.5384News CoverageCPSSConsumer Portfolio ServicesN/A$8.26-0.5%N/A-14.0%$183.43M$393.51M10.32740MRBKMeridian Bank2.6832 of 5 stars$15.75+0.4%$17.50+11.1%+36.1%$177.92M$197.37M9.78410News CoverageShort Interest ↑SWKHSWK3.1197 of 5 stars$14.64+1.1%$18.00+23.0%-14.5%$177.77M$44.66M10.3140 Related Companies and Tools Related Companies FRAF Competitors BTCS Competitors BLFY Competitors BKKT Competitors EFSI Competitors FSFG Competitors CBNA Competitors CPSS Competitors MRBK Competitors SWKH Competitors Top 10 Stock Comparisons Semiconductor Stocks Artificial Intelligence Stocks Growth Stocks Magnificent Seven Stocks Pharmaceutical Stocks Ecommerce Stocks Bitcoin Stocks Meme Stocks Cryptocurrency Stocks Cybersecurity Stocks This page (NASDAQ:OPHC) was last updated on 9/7/2025 by MarketBeat.com Staff From Our PartnersWhy Trump’s “Smart Dollar” could rewrite the rulesMUST SEE: Donald Trump's Radical Overhaul of the U.S. Dollar Congress just approved President Trump's lates...Stansberry Research | SponsoredYour Bank Account Is No Longer SafeWhat If Washington Declared That: YOUR Money ISN'T Actually Yours? 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