Financhill
Buy
63

OPHC Quote, Financials, Valuation and Earnings

Last price:
$4.17
Seasonality move :
521.3%
Day range:
$4.16 - $4.23
52-week range:
$4.00 - $5.90
Dividend yield:
0%
P/E ratio:
3.15x
P/S ratio:
1.04x
P/B ratio:
0.47x
Volume:
19.5K
Avg. volume:
41.4K
1-year change:
-4.15%
Market cap:
$48.9M
Revenue:
$39.3M
EPS (TTM):
$1.32

Price Performance History

Performance vs. Valuation Benchmarks

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Competitors

Company Revenue Forecast Earnings Forecast Revenue Growth Forecast Earnings Growth Forecast Analyst Price Target Median
OPHC
OptimumBank Holdings
-- -- -- -- $5.50
BHB
Bar Harbor Bankshares
$34.3M $0.69 -6.63% 2.27% $36.00
BRBS
Blue Ridge Bankshares
-- -- -- -- --
EVBN
Evans Bancorp
$17.3M $0.48 11.21% 38.1% $50.05
PRK
Park National
$128.1M $2.24 7.02% -0.77% $173.67
TMP
Tompkins Financial
$74.8M $1.16 10.63% 11.02% $76.50
Company Price Analyst Target Market Cap P/E Ratio Dividend per Share Dividend Yield Price / LTM Sales
OPHC
OptimumBank Holdings
$4.16 $5.50 $48.9M 3.15x $0.00 0% 1.04x
BHB
Bar Harbor Bankshares
$30.45 $36.00 $465.6M 10.68x $0.30 3.94% 3.11x
BRBS
Blue Ridge Bankshares
$3.33 -- $292.3M -- $0.00 0% 1.95x
EVBN
Evans Bancorp
$39.40 $50.05 $219.4M 18.33x $0.66 3.35% 3.15x
PRK
Park National
$155.26 $173.67 $2.5B 16.68x $1.07 2.74% 4.84x
TMP
Tompkins Financial
$64.50 $76.50 $931M 13.03x $0.62 3.81% 3.12x
Company Total Debt / Total Capital Beta Debt to Equity Quick Ratio
OPHC
OptimumBank Holdings
32.64% 0.092 90.27% --
BHB
Bar Harbor Bankshares
38.8% 1.588 62.19% 2.37x
BRBS
Blue Ridge Bankshares
36.67% 2.176 69.36% --
EVBN
Evans Bancorp
37.8% 1.662 46.16% 31.68x
PRK
Park National
13.23% 1.245 6.85% 12.45x
TMP
Tompkins Financial
52.55% 2.061 81.26% 4.85x
Company Gross Profit Operating Income Return on Invested Capital Return on Common Equity EBIT Margin Free Cash Flow
OPHC
OptimumBank Holdings
-- -- 9.75% 15.06% 113.7% $5.7M
BHB
Bar Harbor Bankshares
-- -- 6.08% 9.79% 85.73% $12.4M
BRBS
Blue Ridge Bankshares
-- -- -2.97% -5.67% 73.8% -$18.2M
EVBN
Evans Bancorp
-- -- 3.58% 6.65% 86.87% -$4M
PRK
Park National
-- -- 10.15% 12.67% 57.62% $47.1M
TMP
Tompkins Financial
-- -- 5.31% 10.27% 78.09% $21.7M

OptimumBank Holdings vs. Competitors

  • Which has Higher Returns OPHC or BHB?

    Bar Harbor Bankshares has a net margin of 38.34% compared to OptimumBank Holdings's net margin of 29.5%. OptimumBank Holdings's return on equity of 15.06% beat Bar Harbor Bankshares's return on equity of 9.79%.

    Company Gross Margin Earnings Per Share Invested Capital
    OPHC
    OptimumBank Holdings
    -- $0.35 $153.2M
    BHB
    Bar Harbor Bankshares
    -- $0.72 $749M
  • What do Analysts Say About OPHC or BHB?

    OptimumBank Holdings has a consensus price target of $5.50, signalling upside risk potential of 32.21%. On the other hand Bar Harbor Bankshares has an analysts' consensus of $36.00 which suggests that it could grow by 18.23%. Given that OptimumBank Holdings has higher upside potential than Bar Harbor Bankshares, analysts believe OptimumBank Holdings is more attractive than Bar Harbor Bankshares.

    Company Buy Ratings Hold Ratings Sell Ratings
    OPHC
    OptimumBank Holdings
    0 1 0
    BHB
    Bar Harbor Bankshares
    0 2 0
  • Is OPHC or BHB More Risky?

    OptimumBank Holdings has a beta of 0.358, which suggesting that the stock is 64.194% less volatile than S&P 500. In comparison Bar Harbor Bankshares has a beta of 0.710, suggesting its less volatile than the S&P 500 by 29.005%.

  • Which is a Better Dividend Stock OPHC or BHB?

    OptimumBank Holdings has a quarterly dividend of $0.00 per share corresponding to a yield of 0%. Bar Harbor Bankshares offers a yield of 3.94% to investors and pays a quarterly dividend of $0.30 per share. OptimumBank Holdings pays -- of its earnings as a dividend. Bar Harbor Bankshares pays out 40.85% of its earnings as a dividend. Bar Harbor Bankshares's payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios OPHC or BHB?

    OptimumBank Holdings quarterly revenues are $10.3M, which are smaller than Bar Harbor Bankshares quarterly revenues of $37.3M. OptimumBank Holdings's net income of $4M is lower than Bar Harbor Bankshares's net income of $11M. Notably, OptimumBank Holdings's price-to-earnings ratio is 3.15x while Bar Harbor Bankshares's PE ratio is 10.68x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for OptimumBank Holdings is 1.04x versus 3.11x for Bar Harbor Bankshares. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    OPHC
    OptimumBank Holdings
    1.04x 3.15x $10.3M $4M
    BHB
    Bar Harbor Bankshares
    3.11x 10.68x $37.3M $11M
  • Which has Higher Returns OPHC or BRBS?

    Blue Ridge Bankshares has a net margin of 38.34% compared to OptimumBank Holdings's net margin of -9.18%. OptimumBank Holdings's return on equity of 15.06% beat Blue Ridge Bankshares's return on equity of -5.67%.

    Company Gross Margin Earnings Per Share Invested Capital
    OPHC
    OptimumBank Holdings
    -- $0.35 $153.2M
    BRBS
    Blue Ridge Bankshares
    -- -$0.03 $517.6M
  • What do Analysts Say About OPHC or BRBS?

    OptimumBank Holdings has a consensus price target of $5.50, signalling upside risk potential of 32.21%. On the other hand Blue Ridge Bankshares has an analysts' consensus of -- which suggests that it could fall by --. Given that OptimumBank Holdings has higher upside potential than Blue Ridge Bankshares, analysts believe OptimumBank Holdings is more attractive than Blue Ridge Bankshares.

    Company Buy Ratings Hold Ratings Sell Ratings
    OPHC
    OptimumBank Holdings
    0 1 0
    BRBS
    Blue Ridge Bankshares
    0 0 0
  • Is OPHC or BRBS More Risky?

    OptimumBank Holdings has a beta of 0.358, which suggesting that the stock is 64.194% less volatile than S&P 500. In comparison Blue Ridge Bankshares has a beta of 0.775, suggesting its less volatile than the S&P 500 by 22.547%.

  • Which is a Better Dividend Stock OPHC or BRBS?

    OptimumBank Holdings has a quarterly dividend of $0.00 per share corresponding to a yield of 0%. Blue Ridge Bankshares offers a yield of 0% to investors and pays a quarterly dividend of $0.00 per share. OptimumBank Holdings pays -- of its earnings as a dividend. Blue Ridge Bankshares pays out -- of its earnings as a dividend.

  • Which has Better Financial Ratios OPHC or BRBS?

    OptimumBank Holdings quarterly revenues are $10.3M, which are smaller than Blue Ridge Bankshares quarterly revenues of $21.8M. OptimumBank Holdings's net income of $4M is higher than Blue Ridge Bankshares's net income of -$2M. Notably, OptimumBank Holdings's price-to-earnings ratio is 3.15x while Blue Ridge Bankshares's PE ratio is --. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for OptimumBank Holdings is 1.04x versus 1.95x for Blue Ridge Bankshares. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    OPHC
    OptimumBank Holdings
    1.04x 3.15x $10.3M $4M
    BRBS
    Blue Ridge Bankshares
    1.95x -- $21.8M -$2M
  • Which has Higher Returns OPHC or EVBN?

    Evans Bancorp has a net margin of 38.34% compared to OptimumBank Holdings's net margin of 20.42%. OptimumBank Holdings's return on equity of 15.06% beat Evans Bancorp's return on equity of 6.65%.

    Company Gross Margin Earnings Per Share Invested Capital
    OPHC
    OptimumBank Holdings
    -- $0.35 $153.2M
    EVBN
    Evans Bancorp
    -- $0.67 $294.4M
  • What do Analysts Say About OPHC or EVBN?

    OptimumBank Holdings has a consensus price target of $5.50, signalling upside risk potential of 32.21%. On the other hand Evans Bancorp has an analysts' consensus of $50.05 which suggests that it could grow by 27.03%. Given that OptimumBank Holdings has higher upside potential than Evans Bancorp, analysts believe OptimumBank Holdings is more attractive than Evans Bancorp.

    Company Buy Ratings Hold Ratings Sell Ratings
    OPHC
    OptimumBank Holdings
    0 1 0
    EVBN
    Evans Bancorp
    0 1 0
  • Is OPHC or EVBN More Risky?

    OptimumBank Holdings has a beta of 0.358, which suggesting that the stock is 64.194% less volatile than S&P 500. In comparison Evans Bancorp has a beta of 0.973, suggesting its less volatile than the S&P 500 by 2.735%.

  • Which is a Better Dividend Stock OPHC or EVBN?

    OptimumBank Holdings has a quarterly dividend of $0.00 per share corresponding to a yield of 0%. Evans Bancorp offers a yield of 3.35% to investors and pays a quarterly dividend of $0.66 per share. OptimumBank Holdings pays -- of its earnings as a dividend. Evans Bancorp pays out 60.97% of its earnings as a dividend. Evans Bancorp's payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios OPHC or EVBN?

    OptimumBank Holdings quarterly revenues are $10.3M, which are smaller than Evans Bancorp quarterly revenues of $18.3M. OptimumBank Holdings's net income of $4M is higher than Evans Bancorp's net income of $3.7M. Notably, OptimumBank Holdings's price-to-earnings ratio is 3.15x while Evans Bancorp's PE ratio is 18.33x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for OptimumBank Holdings is 1.04x versus 3.15x for Evans Bancorp. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    OPHC
    OptimumBank Holdings
    1.04x 3.15x $10.3M $4M
    EVBN
    Evans Bancorp
    3.15x 18.33x $18.3M $3.7M
  • Which has Higher Returns OPHC or PRK?

    Park National has a net margin of 38.34% compared to OptimumBank Holdings's net margin of 28.72%. OptimumBank Holdings's return on equity of 15.06% beat Park National's return on equity of 12.67%.

    Company Gross Margin Earnings Per Share Invested Capital
    OPHC
    OptimumBank Holdings
    -- $0.35 $153.2M
    PRK
    Park National
    -- $2.37 $1.4B
  • What do Analysts Say About OPHC or PRK?

    OptimumBank Holdings has a consensus price target of $5.50, signalling upside risk potential of 32.21%. On the other hand Park National has an analysts' consensus of $173.67 which suggests that it could grow by 11.86%. Given that OptimumBank Holdings has higher upside potential than Park National, analysts believe OptimumBank Holdings is more attractive than Park National.

    Company Buy Ratings Hold Ratings Sell Ratings
    OPHC
    OptimumBank Holdings
    0 1 0
    PRK
    Park National
    0 3 0
  • Is OPHC or PRK More Risky?

    OptimumBank Holdings has a beta of 0.358, which suggesting that the stock is 64.194% less volatile than S&P 500. In comparison Park National has a beta of 0.722, suggesting its less volatile than the S&P 500 by 27.832%.

  • Which is a Better Dividend Stock OPHC or PRK?

    OptimumBank Holdings has a quarterly dividend of $0.00 per share corresponding to a yield of 0%. Park National offers a yield of 2.74% to investors and pays a quarterly dividend of $1.07 per share. OptimumBank Holdings pays -- of its earnings as a dividend. Park National pays out 51.18% of its earnings as a dividend. Park National's payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios OPHC or PRK?

    OptimumBank Holdings quarterly revenues are $10.3M, which are smaller than Park National quarterly revenues of $134.5M. OptimumBank Holdings's net income of $4M is lower than Park National's net income of $38.6M. Notably, OptimumBank Holdings's price-to-earnings ratio is 3.15x while Park National's PE ratio is 16.68x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for OptimumBank Holdings is 1.04x versus 4.84x for Park National. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    OPHC
    OptimumBank Holdings
    1.04x 3.15x $10.3M $4M
    PRK
    Park National
    4.84x 16.68x $134.5M $38.6M
  • Which has Higher Returns OPHC or TMP?

    Tompkins Financial has a net margin of 38.34% compared to OptimumBank Holdings's net margin of 25.81%. OptimumBank Holdings's return on equity of 15.06% beat Tompkins Financial's return on equity of 10.27%.

    Company Gross Margin Earnings Per Share Invested Capital
    OPHC
    OptimumBank Holdings
    -- $0.35 $153.2M
    TMP
    Tompkins Financial
    -- $1.37 $1.5B
  • What do Analysts Say About OPHC or TMP?

    OptimumBank Holdings has a consensus price target of $5.50, signalling upside risk potential of 32.21%. On the other hand Tompkins Financial has an analysts' consensus of $76.50 which suggests that it could grow by 18.61%. Given that OptimumBank Holdings has higher upside potential than Tompkins Financial, analysts believe OptimumBank Holdings is more attractive than Tompkins Financial.

    Company Buy Ratings Hold Ratings Sell Ratings
    OPHC
    OptimumBank Holdings
    0 1 0
    TMP
    Tompkins Financial
    0 1 0
  • Is OPHC or TMP More Risky?

    OptimumBank Holdings has a beta of 0.358, which suggesting that the stock is 64.194% less volatile than S&P 500. In comparison Tompkins Financial has a beta of 0.729, suggesting its less volatile than the S&P 500 by 27.136%.

  • Which is a Better Dividend Stock OPHC or TMP?

    OptimumBank Holdings has a quarterly dividend of $0.00 per share corresponding to a yield of 0%. Tompkins Financial offers a yield of 3.81% to investors and pays a quarterly dividend of $0.62 per share. OptimumBank Holdings pays -- of its earnings as a dividend. Tompkins Financial pays out 49.47% of its earnings as a dividend. Tompkins Financial's payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios OPHC or TMP?

    OptimumBank Holdings quarterly revenues are $10.3M, which are smaller than Tompkins Financial quarterly revenues of $76.2M. OptimumBank Holdings's net income of $4M is lower than Tompkins Financial's net income of $19.7M. Notably, OptimumBank Holdings's price-to-earnings ratio is 3.15x while Tompkins Financial's PE ratio is 13.03x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for OptimumBank Holdings is 1.04x versus 3.12x for Tompkins Financial. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    OPHC
    OptimumBank Holdings
    1.04x 3.15x $10.3M $4M
    TMP
    Tompkins Financial
    3.12x 13.03x $76.2M $19.7M

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