OPHC Quote, Financials, Valuation and Earnings

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%.

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.

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%.

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.

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.

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%.

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.

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%.

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.

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.

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%.

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.

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%.

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.

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.

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%.

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.

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%.

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.

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.