OptimumBank (OPHC) Competitors

First Internet Bancorp (NASDAQ:INBK) and OptimumBank (NASDAQ:OPHC) are both small-cap finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their analyst recommendations, dividends, institutional ownership, profitability, media sentiment, risk, valuation and earnings.

Which has more volatility & risk, INBK or OPHC?

First Internet Bancorp has a beta of 0.79, suggesting that its stock price is 21% less volatile than the S&P 500. Comparatively, OptimumBank has a beta of 0.41, suggesting that its stock price is 59% less volatile than the S&P 500.

Do institutionals & insiders have more ownership in INBK or OPHC?

65.5% of First Internet Bancorp shares are owned by institutional investors. Comparatively, 7.4% of OptimumBank shares are owned by institutional investors. 8.0% of First Internet Bancorp shares are owned by company insiders. Comparatively, 13.9% of OptimumBank shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.

Is INBK or OPHC more profitable?

OptimumBank has a net margin of 19.62% compared to First Internet Bancorp's net margin of 4.36%. OptimumBank's return on equity of 14.10% beat First Internet Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
First Internet Bancorp	4.36%	3.03%	0.20%
OptimumBank	19.62%	14.10%	1.31%

Do analysts prefer INBK or OPHC?

First Internet Bancorp currently has a consensus price target of $27.33, suggesting a potential upside of 23.68%. Given First Internet Bancorp's stronger consensus rating and higher probable upside, equities analysts clearly believe First Internet Bancorp is more favorable than OptimumBank.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
First Internet Bancorp	1 Sell rating(s)	3 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	2.00
OptimumBank	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00

Which has higher valuation & earnings, INBK or OPHC?

First Internet Bancorp has higher revenue and earnings than OptimumBank. OptimumBank is trading at a lower price-to-earnings ratio than First Internet Bancorp, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
First Internet Bancorp	$339.23M	0.57	$25.28M	$1.76	12.56
OptimumBank	$43.11M	1.13	$6.28M	$1.28	3.23

Does the media refer more to INBK or OPHC?

In the previous week, First Internet Bancorp had 2 more articles in the media than OptimumBank. MarketBeat recorded 3 mentions for First Internet Bancorp and 1 mentions for OptimumBank. OptimumBank's average media sentiment score of 0.88 beat First Internet Bancorp's score of 0.22 indicating that OptimumBank is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
First Internet Bancorp	0 Very Positive mention(s)	1 Positive mention(s)	2 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral
OptimumBank	0 Very Positive mention(s)	1 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Summary

First Internet Bancorp beats OptimumBank on 10 of the 16 factors compared between the two stocks.