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Stocks to Compare Sections All Sections Selected Performance Chart Price & Volume MarketRank Analyst Ratings Sales & Book Value Profitability & Earnings Dividends Debt Ownership Miscellaneous Headlines About Compare NASDAQ:OPHCNASDAQ:OPOFNASDAQ:PNBKNASDAQ:UBOH On This Page Performance ChartPrice & VolumeMarketRank™Analyst RatingsSales & Book ValueProfitability & EarningsDividendsDebtOwnershipMiscellaneousHeadlinesAbout Comparison Ideas Stock Ideas Comparative Price Performance Over Time1 day7 days30 days90 days365 daysCompare Price & VolumeCompanyCurrent Price50-Day Moving Average52-Week RangeMarket CapBetaAvg. VolumeToday's VolumeOPHCOptimumBank$4.41$4.21$3.53▼$5.90$51.82M0.4634,033 shs6,075 shsOPOFOld Point Financial$39.95+1.3%$37.22$13.70▼$40.88$203.95M-0.3310,768 shs8,782 shsPNBKPatriot National Bancorp$1.68-51.0%$3.20$0.99▼$7.47$128.12M-0.22409,368 shs3.87 million shsUBOHUnited Bancshares$27.62$26.24$18.28▼$31.00$82.31M0.041,504 shs636 shs10 "Recession Proof" Stocks That Will Thrive in Any MarketWhich stocks are likely to thrive in today's challenging market? Enter your email address and we'll send you MarketBeat's list of ten stocks that will drive in any economic environment.Get This Free ReportCompare Price PerformanceCompany1-Day Performance7-Day Performance30-Day Performance90-Day Performance1-Year PerformanceOPHCOptimumBank0.00%+0.68%+3.28%+1.61%+3.28%OPOFOld Point Financial+1.34%-1.11%+1.73%+32.15%+168.12%PNBKPatriot National Bancorp-51.02%-70.78%-57.14%+48.67%-23.98%UBOHUnited Bancshares0.00%0.00%+11.60%-3.76%+46.91%Compare MarketRank™CompanyOverall ScoreAnalyst's OpinionShort Interest ScoreDividend StrengthESG ScoreNews and Social Media SentimentCompany OwnershipEarnings & ValuationOPHCOptimumBank1.128 of 5 stars0.03.00.00.01.70.81.9OPOFOld Point Financial1.8154 of 5 stars0.03.01.70.02.61.71.3PNBKPatriot National Bancorp0.6655 of 5 stars0.02.00.00.01.72.50.6UBOHUnited BancsharesN/AN/AN/AN/AN/AN/AN/AN/ACompare Analyst ForecastsCompanyConsensus Rating ScoreConsensus RatingConsensus Price Target% Upside from Current PriceOPHCOptimumBank 0.00N/AN/AN/AOPOFOld Point Financial 0.00N/AN/AN/APNBKPatriot National Bancorp 0.00N/AN/AN/AUBOHUnited Bancshares 0.00N/AN/AN/ACompare Sales & Book ValueCompanyAnnual RevenuePrice/SalesCashflowPrice/CashBook ValuePrice/BookOPHCOptimumBank$40.98M1.26$0.92 per share4.77$9.66 per share0.46OPOFOld Point Financial$62.72M3.25$2.96 per share13.51$21.19 per share1.89PNBKPatriot National Bancorp$27.21M4.71$0.09 per share19.18$11.19 per share0.15UBOHUnited Bancshares$46.23M1.78$4.04 per share6.83N/A∞Compare Profitability & EarningsCompanyNet IncomeEPSTrailing P/E RatioForward P/E RatioP/E GrowthNet MarginsReturn on Equity (ROE)Return on Assets (ROA)Next Earnings DateOPHCOptimumBank$6.28M$1.333.34∞N/A19.62%14.10%1.31%8/4/2025 (Estimated)OPOFOld Point Financial$9.51M$1.9621.25∞N/A11.08%8.56%0.66%7/23/2025 (Estimated)PNBKPatriot National Bancorp-$4.18M-$10.16N/A∞N/A-45.58%-81.22%-2.82%8/7/2025 (Estimated)UBOHUnited Bancshares$9.15M$3.409.00∞N/A14.84%N/AN/A7/16/2025 (Estimated)Latest PNBK, OPHC, UBOH, and OPOF EarningsDateQuarterCompanyConsensus EstimateReported EPSBeat/MissGap EPSRevenue EstimateActual RevenueDetails5/14/2025Q1 2025PNBKPatriot National BancorpN/A-$0.21N/A-$0.21N/A$6.68 million4/30/2025Q1 2025OPOFOld Point FinancialN/A$0.39N/A$0.42N/A$15.86 million4/15/2025Q4 2024PNBKPatriot National BancorpN/A-$2.40N/A-$2.40N/A$6.59 millionCompare DividendsCompanyAnnual PayoutDividend Yield3-Year Dividend GrowthPayout RatioYears of Consecutive GrowthOPHCOptimumBankN/AN/AN/AN/AN/AOPOFOld Point Financial$0.561.40%+3.85%28.57%N/APNBKPatriot National Bancorp$0.042.38%N/AN/A N/AUBOHUnited Bancshares$0.923.33%N/A27.06%N/ALatest PNBK, OPHC, UBOH, and OPOF DividendsAnnouncementCompanyPeriodAmountYieldEx-Dividend DateRecord DatePayable Date5/28/2025OPOFOld Point Financialquarterly$0.141.4%6/9/20256/9/20256/30/20254/17/2025UBOHUnited Bancsharesquarterly$0.233.76%4/30/20256/16/2025(Data available from 1/1/2013 forward)Compare DebtCompanyDebt-to-Equity RatioCurrent RatioQuick RatioOPHCOptimumBank0.431.121.12OPOFOld Point Financial0.350.920.92PNBKPatriot National Bancorp6.830.990.97UBOHUnited BancsharesN/AN/AN/ACompare OwnershipInstitutional OwnershipCompanyInstitutional OwnershipOPHCOptimumBank7.43%OPOFOld Point Financial33.43%PNBKPatriot National Bancorp39.25%UBOHUnited Bancshares1.03%Insider OwnershipCompanyInsider OwnershipOPHCOptimumBank13.91%OPOFOld Point Financial21.11%PNBKPatriot National Bancorp13.60%UBOHUnited Bancshares6.62%Compare Miscellaneous StatsCompanyEmployeesShares OutstandingFree FloatOptionableOPHCOptimumBank4011.75 million8.69 millionNot OptionableOPOFOld Point Financial2805.11 million4.01 millionNot OptionablePNBKPatriot National Bancorp13076.26 million3.44 millionNot OptionableUBOHUnited Bancshares2102.98 million2.77 millionNot OptionablePNBK, OPHC, UBOH, and OPOF HeadlinesRecent News About These CompaniesUnited Bancshares (NASDAQ:UBOH) Share Price Crosses Above 50-Day Moving Average - What's Next?May 24, 2025 | marketbeat.comUnited Bancshares (NASDAQ:UBOH) Stock Price Crosses Above 50 Day Moving Average - Time to Sell?May 15, 2025 | marketbeat.comUNITED BANCSHARES, INC. ANNOUNCES FIRST QUARTER 2025 RESULTS AND $0.23 DIVIDENDApril 17, 2025 | prnewswire.comEquity bancshares outlines strong loan growth targets amid NBC merger integrationApril 17, 2025 | msn.comUnited Bancshares, Inc. (UBOH)January 30, 2025 | ca.finance.yahoo.comUnited Security Bancshares Reports Fourth Quarter 2024 EarningsJanuary 27, 2025 | tmcnet.comKBW Keeps Their Hold Rating on United Bankshares (UBSI)January 27, 2025 | markets.businessinsider.comUnited Bancshares reports increased quarterly earningsJanuary 24, 2025 | msn.comUNITED BANCSHARES, INC. ANNOUNCES FOURTH QUARTER AND FULL YEAR 2024 RESULTS AND $0.22 DIVIDENDJanuary 23, 2025 | prnewswire.comUNITED BANCSHARES, INC. ANNOUNCES THIRD QUARTER 2024 RESULTS AND $0.22 DIVIDENDOctober 17, 2024 | prnewswire.comUBOH Stock Earnings: United Bancshares Reported Results for Q2 2024July 19, 2024 | investorplace.comUNITED BANCSHARES, INC. ANNOUNCES SECOND QUARTER 2024 RESULTS AND $0.22 DIVIDENDJuly 18, 2024 | prnewswire.comUnited Bancshares Stock (OTC:UBOH), Earnings Estimates, EPS, and RevenueApril 20, 2024 | benzinga.comUBFO Stock Earnings: United Security Reported Results for Q1 2024April 18, 2024 | msn.comUBOH Stock Earnings: United Bancshares Reported Results for Q1 2024April 18, 2024 | markets.businessinsider.comUNITED BANCSHARES, INC. ANNOUNCES FIRST QUARTER 2024 RESULTS AND $0.22 DIVIDENDApril 18, 2024 | prnewswire.comDoris Uboh Shines As The Premier ChoiceMarch 11, 2024 | msn.comBuyout Boom: 3 Regional Bank Stock Bargains to Grab Before They're GoneFebruary 28, 2024 | investorplace.comUnited Bancshares Inc UBOHFebruary 2, 2024 | morningstar.comUNITED BANCSHARES, INC. ANNOUNCES FOURTH QUARTER AND FULL YEAR 2023 RESULTS AND $0.22 DIVIDENDJanuary 18, 2024 | finance.yahoo.comUnited Bancshares GAAP EPS of $0.65, revenue of $9.93MOctober 19, 2023 | msn.comNew MarketBeat Followers Over TimeMedia Sentiment Over TimePNBK, OPHC, UBOH, and OPOF Company DescriptionsOptimumBank NASDAQ:OPHC$4.41 0.00 (0.00%) Closing price 05/28/2025 04:00 PM EasternExtended Trading$4.40 -0.01 (-0.23%) As of 05/28/2025 04:11 PM Eastern Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Polygon.io. Learn more.OptimumBank Holdings, Inc. operates as the bank holding company for OptimumBank that provides various consumer and commercial banking services to individuals and businesses. It accepts demand interest-bearing and noninterest-bearing, savings, money market, and NOW accounts, as well as time deposits, wire transfers, ACH services, and certificates of deposit. The company also offers residential and commercial real estate, multi-family real estate, land and construction loans; commercial loans are generally used for working capital purposes or for acquiring equipment, inventory, and furniture; and consumer loans for various purposes, including purchases of automobiles, recreational vehicles, boats, home improvements, lines of credit, personal, and deposit account collateralized loans. In addition, it provides Visa debit and ATM cards; cash management, notary, and night depository services; and direct deposits, money orders, cashier's checks, domestic collections, and banking by mail, as well as internet banking services. The company was founded in 2000 and is based in Fort Lauderdale, Florida.Old Point Financial NASDAQ:OPOF$39.95 +0.53 (+1.34%) Closing price 05/28/2025 04:00 PM EasternExtended Trading$39.90 -0.05 (-0.11%) As of 05/28/2025 05:31 PM Eastern Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Polygon.io. Learn more.Old Point Financial Corporation operates as the bank holding company for The Old Point National Bank of Phoebus that provides consumer, mortgage, and business banking services for individual and commercial customers in Virginia. It offers deposit products, including interest-bearing transaction accounts, money market deposit accounts, savings accounts, time deposits, and demand deposits. The company also provides real estate construction, commercial, and mortgage loans, such as residential 1-4 family mortgages, second mortgages, and equity lines of credit; and other loans. In addition, it offers retirement planning, estate planning, financial planning, estate and trust administration, retirement plan administration, tax, and investment management services; and insurance products, wealth management, and cash management services. Old Point Financial Corporation was founded in 1922 and is headquartered in Hampton, Virginia.Patriot National Bancorp NASDAQ:PNBK$1.68 -1.75 (-51.02%) Closing price 05/28/2025 04:00 PM EasternExtended Trading$1.70 +0.02 (+0.89%) As of 05/28/2025 07:59 PM Eastern Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Polygon.io. Learn more.Patriot National Bancorp, Inc. operates as the holding company for Patriot Bank, N.A. that provides community banking services to individuals, small and medium-sized businesses, and professionals. The company accepts consumer and commercial deposit accounts, such as checking, interest-bearing negotiable order of withdrawal, money market, time certificates of deposit, savings, prepaid deposit, on-line national money market, individual retirement accounts, and health savings accounts, as well as certificate of deposit account registry service. Its loan portfolio comprises commercial real estate, commercial business, small business administration, construction, purchased residential real estate, and various consumer loans. The company also offers automated clearing house transfers, lockbox, internet banking, bill payment, remote deposit capture, debit card, money order, traveler's check, and automatic teller machine services. Patriot National Bancorp, Inc. was founded in 1994 and is headquartered in Stamford, Connecticut.United Bancshares NASDAQ:UBOH$27.62 0.00 (0.00%) As of 05/27/2025 01:47 PM EasternUnited Bancshares, Inc. operates as the bank holding company for The Union Bank Company that provides various commercial and consumer banking services. The company accepts various deposits products, such as checking, savings, demand deposit, money market deposit, term certificate, and individual retirement accounts, as well as certificates of deposit. Its loan products include commercial and residential real estate, agricultural, commercial and industrial, home equity, and various types of consumer and small business administration loans. In addition, the company offers wealth management, financial needs analysis, mutual funds, securities trading, annuities, and life insurance services; and treasury management, online and mobile banking, automatic teller machine, bill pay, safe deposit box rental, payment, and other personalized services. It also operates full service banking centers and loan production offices in northwest and central Ohio. United Bancshares, Inc. was founded in 1904 and is headquartered in Columbus Grove, Ohio. 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