OptimumBank (OPHC) Competitors $4.54 +0.04 (+1.00%) As of 08/1/2025 04:00 PM Eastern This is a fair market value price provided by Polygon.io. Learn more. Add Compare Share Share Competitors Stock AnalysisChartCompetitorsEarningsHeadlinesInsider TradesOwnershipSEC FilingsShort InterestTrendsBuy This Stock OPHC vs. OPOF, VABK, BETR, INBK, OPBK, HWBK, FXNC, FCCO, BLFY, and CPSSShould you be buying OptimumBank stock or one of its competitors? The main competitors of OptimumBank include Old Point Financial (OPOF), Virginia National Bankshares (VABK), Better Home & Finance (BETR), First Internet Bancorp (INBK), OP Bancorp (OPBK), Hawthorn Bancshares (HWBK), First National (FXNC), First Community (FCCO), Blue Foundry Bancorp (BLFY), and Consumer Portfolio Services (CPSS). These companies are all part of the "banking" industry. OptimumBank vs. Its Competitors Old Point Financial Virginia National Bankshares Better Home & Finance First Internet Bancorp OP Bancorp Hawthorn Bancshares First National First Community Blue Foundry Bancorp Consumer Portfolio Services Old Point Financial (NASDAQ:OPOF) and OptimumBank (NASDAQ:OPHC) are both small-cap finance companies, but which is the superior stock? We will contrast the two businesses based on the strength of their dividends, media sentiment, risk, institutional ownership, earnings, profitability, valuation and analyst recommendations. Which has more volatility and risk, OPOF or OPHC? Old Point Financial has a beta of -0.32, indicating that its stock price is 132% less volatile than the S&P 500. Comparatively, OptimumBank has a beta of 0.5, indicating that its stock price is 50% less volatile than the S&P 500. Which has preferable earnings and valuation, OPOF or OPHC? Old Point Financial has higher revenue and earnings than OptimumBank. OptimumBank is trading at a lower price-to-earnings ratio than Old Point Financial, indicating that it is currently the more affordable of the two stocks. CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings RatioOld Point Financial$85.82M2.37$9.51M$1.9620.34OptimumBank$40.98M1.30$6.28M$1.333.41 Is OPOF or OPHC more profitable? OptimumBank has a net margin of 19.62% compared to Old Point Financial's net margin of 10.12%. OptimumBank's return on equity of 14.10% beat Old Point Financial's return on equity.Company Net Margins Return on Equity Return on Assets Old Point Financial10.12% 8.20% 0.65% OptimumBank 19.62%14.10%1.31% Do institutionals and insiders believe in OPOF or OPHC? 33.4% of Old Point Financial shares are held by institutional investors. Comparatively, 7.4% of OptimumBank shares are held by institutional investors. 21.1% of Old Point Financial shares are held by insiders. Comparatively, 13.9% of OptimumBank shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth. Does the media favor OPOF or OPHC? In the previous week, Old Point Financial had 4 more articles in the media than OptimumBank. MarketBeat recorded 5 mentions for Old Point Financial and 1 mentions for OptimumBank. Old Point Financial's average media sentiment score of 0.69 beat OptimumBank's score of 0.00 indicating that Old Point Financial is being referred to more favorably in the media. Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment Old Point Financial 2 Very Positive mention(s) 0 Positive mention(s) 2 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Positive OptimumBank 0 Very Positive mention(s) 0 Positive mention(s) 1 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Neutral SummaryOld Point Financial beats OptimumBank on 9 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. Email Address Media 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$53.12M$531.88M$12.04B$9.51BDividend YieldN/A2.68%5.62%4.09%P/E Ratio3.4310.6919.7423.80Price / Sales1.302.6025.9266.58Price / Cash4.7711.4421.3357.96Price / Book0.471.282.095.55Net Income$6.28M$23.34M$1.00B$259.03M7 Day Performance-2.89%-2.64%-2.46%-4.59%1 Month Performance0.22%-2.10%-0.96%4.46%1 Year Performance1.12%13.28%537.06%18.03% OptimumBank Competitors List Export to ExcelCompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)OPHCOptimumBank1.9017 of 5 stars$4.53+0.7%N/A+1.1%$53.12M$40.98M3.4340News CoverageUpcoming EarningsOPOFOld Point Financial1.6664 of 5 stars$40.59+0.2%N/A+110.0%$207.39M$85.82M20.71280News CoveragePositive NewsEarnings ReportAnalyst DowngradeVABKVirginia National Bankshares2.9625 of 5 stars$38.43+1.4%N/A-3.0%$207.19M$55.62M11.61170Positive NewsBETRBetter Home & Finance0.5629 of 5 stars$13.63-1.9%N/A+2,676.0%$207.18M$108.49M-1.021,250INBKFirst Internet Bancorp4.3819 of 5 stars$23.40+0.9%$27.33+16.8%-41.0%$203.47M$136.47M13.29290Analyst DowngradeOPBKOP Bancorp3.0815 of 5 stars$13.55-1.8%$15.50+14.4%+7.3%$201.37M$154.05M9.16190News CoverageAnalyst RevisionHWBKHawthorn Bancshares2.4808 of 5 stars$28.99-0.4%N/A+31.3%$200.87M$109.67M10.54310Earnings ReportDividend AnnouncementFXNCFirst National3.5068 of 5 stars$21.81+0.2%$24.75+13.5%+18.7%$195.96M$70.49M26.27210Earnings ReportFCCOFirst Community3.7568 of 5 stars$25.33+0.2%$29.67+17.1%+14.6%$194.53M$103.43M11.36250BLFYBlue Foundry Bancorp1.8216 of 5 stars$8.96-0.6%$10.00+11.7%-23.1%$194.31M$87.25M-15.97180News CoverageEarnings ReportCPSSConsumer Portfolio Services3.6223 of 5 stars$8.98+0.1%N/A-15.1%$193.50M$393.51M11.36740Upcoming Earnings Related Companies and Tools Related Companies OPOF Competitors VABK Competitors BETR Competitors INBK Competitors OPBK Competitors HWBK Competitors FXNC Competitors FCCO Competitors BLFY Competitors CPSS 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 8/2/2025 by MarketBeat.com Staff From Our PartnersElon’s BIGGEST warning yet?Tesla's About to Prove Everyone Wrong... Again Back in 2018, when Jeff Brown told everyone to buy Tesla… ...Brownstone Research | SponsoredChina just unlocked Nvidia’s AI chips—what that means for youTired of Missing Big AI Moves Like Nvidia? You’re not the problem—your trading system is. Tim’s XGPT system...Timothy Sykes | SponsoredThis Social Security Shift Could Boost Benefits by 400%If you currently collect Social Security—or plan to in the future—this may be one of the most important update...InvestorPlace | SponsoredMan Who Called Nvidia at $1.10 Says Buy This Now...In 2004, one man called Nvidia before just about anyone knew it existed. Now, this same guy says a new comp...The Oxford Club | SponsoredA new rule goes live in July — and the banks are quietly crushing itA little-known regulation quietly goes into effect this July. And it's already being exploited by Wall Stre...American Alternative | SponsoredYour blueprint for crypto wealthMark August 12th on your calendar. 27 of crypto's most successful minds are about to reveal everything…Crypto 101 Media | SponsoredJeff Bezos Launches "ChatGPT Killer"?Amazon just launched Nova—its secretive new AI system designed to rival ChatGPT. Bezos says he now spends 95% ...Stansberry Research | SponsoredAlien rocks potentially worth trillions…It might look like just a weird rock—but it’s tied to a discovery 60 Minutes says could be worth up to $16 tri...Porter & Company | Sponsored Adding Choose a watchlist: Watchlist Adding You have already added ten stocks to your watchlist. Upgrade to MarketBeat All Access to add more stocks to your watchlist. Adding OptimumBank Holdings, Inc. Please log in to your account or sign up in order to add this asset to your watchlist. Share OptimumBank With A Colleague Link copied to clipboard. Get 30 Days of MarketBeat All Access for Free Sign up for MarketBeat All Access to gain access to MarketBeat's full suite of research tools. Start Your 30-Day Trial MarketBeat All Access Features Best-in-Class Portfolio Monitoring Get personalized stock ideas. Compare portfolio to indices. Check stock news, ratings, SEC filings, and more. Stock Ideas and Recommendations See daily stock ideas from top analysts. Receive short-term trading ideas from MarketBeat. Identify trending stocks on social media. Advanced Stock Screeners and Research Tools Use our seven stock screeners to find suitable stocks. Stay informed with MarketBeat's real-time news. Export data to Excel for personal analysis. Sign in to your free account to enjoy these benefits In-depth profiles and analysis for 20,000 public companies. Real-time analyst ratings, insider transactions, earnings data, and more. Our daily ratings and market update email newsletter. Sign in to your free account to enjoy all that MarketBeat has to offer. Sign In Create Account Your Email Address: Email Address Required Your Password: Password Required Log In or Sign in with Facebook Sign in with Google Forgot your password? Your Email Address: Please enter your email address. Please enter a valid email address Choose a Password: Please enter your password. Your password must be at least 8 characters long and contain at least 1 number, 1 letter, and 1 special character. Create My Account (Free) or Sign in with Facebook Sign in with Google By creating a free account, you agree to our terms of service. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.