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OptimumBank (OPHC) Competitors

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$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.

OPHC vs. OPOF, VABK, BETR, INBK, OPBK, HWBK, FXNC, FCCO, BLFY, and CPSS

Should 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 (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.

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.

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 Ratio
Old Point Financial$85.82M2.37$9.51M$1.9620.34
OptimumBank$40.98M1.30$6.28M$1.333.41

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%

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.

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

Summary

Old Point Financial beats OptimumBank on 9 of the 13 factors compared between the two stocks.

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Media Sentiment Over Time

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.
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OPHC vs. The Competition

MetricOptimumBankNational commercial banks IndustryFinance SectorNASDAQ Exchange
Market Cap$53.12M$531.88M$12.04B$9.51B
Dividend YieldN/A2.68%5.62%4.09%
P/E Ratio3.4310.6919.7423.80
Price / Sales1.302.6025.9266.58
Price / Cash4.7711.4421.3357.96
Price / Book0.471.282.095.55
Net Income$6.28M$23.34M$1.00B$259.03M
7 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

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
OPHC
OptimumBank
1.9017 of 5 stars
$4.53
+0.7%
N/A+1.1%$53.12M$40.98M3.4340News Coverage
Upcoming Earnings
OPOF
Old Point Financial
1.6664 of 5 stars
$40.59
+0.2%
N/A+110.0%$207.39M$85.82M20.71280News Coverage
Positive News
Earnings Report
Analyst Downgrade
VABK
Virginia National Bankshares
2.9625 of 5 stars
$38.43
+1.4%
N/A-3.0%$207.19M$55.62M11.61170Positive News
BETR
Better Home & Finance
0.5629 of 5 stars
$13.63
-1.9%
N/A+2,676.0%$207.18M$108.49M-1.021,250
INBK
First Internet Bancorp
4.3819 of 5 stars
$23.40
+0.9%
$27.33
+16.8%
-41.0%$203.47M$136.47M13.29290Analyst Downgrade
OPBK
OP Bancorp
3.0815 of 5 stars
$13.55
-1.8%
$15.50
+14.4%
+7.3%$201.37M$154.05M9.16190News Coverage
Analyst Revision
HWBK
Hawthorn Bancshares
2.4808 of 5 stars
$28.99
-0.4%
N/A+31.3%$200.87M$109.67M10.54310Earnings Report
Dividend Announcement
FXNC
First National
3.5068 of 5 stars
$21.81
+0.2%
$24.75
+13.5%
+18.7%$195.96M$70.49M26.27210Earnings Report
FCCO
First Community
3.7568 of 5 stars
$25.33
+0.2%
$29.67
+17.1%
+14.6%$194.53M$103.43M11.36250
BLFY
Blue Foundry Bancorp
1.8216 of 5 stars
$8.96
-0.6%
$10.00
+11.7%
-23.1%$194.31M$87.25M-15.97180News Coverage
Earnings Report
CPSS
Consumer Portfolio Services
3.6223 of 5 stars
$8.98
+0.1%
N/A-15.1%$193.50M$393.51M11.36740Upcoming Earnings

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This page (NASDAQ:OPHC) was last updated on 8/2/2025 by MarketBeat.com Staff
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