OptimumBank (OPHC) Competitors $3.94 -0.01 (-0.25%) Closing price 04:00 PM EasternExtended Trading$3.96 +0.02 (+0.51%) As of 04:27 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. Add Compare Share Share Competitors Stock AnalysisChartCompetitorsHeadlinesInsider TradesOwnershipSEC FilingsShort InterestTrendsBuy This Stock OPHC vs. PEBK, OVBC, MRBK, TROO, CPSS, CBFV, UBFO, BVFL, CZWI, and HNVRShould you be buying OptimumBank stock or one of its competitors? The main competitors of OptimumBank include Peoples Bancorp of North Carolina (PEBK), Ohio Valley Banc (OVBC), Meridian Bank (MRBK), TROOPS (TROO), Consumer Portfolio Services (CPSS), CB Financial Services (CBFV), United Security Bancshares (UBFO), BV Financial (BVFL), Citizens Community Bancorp (CZWI), and Hanover Bancorp (HNVR). These companies are all part of the "banking" industry. OptimumBank vs. Its Competitors Peoples Bancorp of North Carolina Ohio Valley Banc Meridian Bank TROOPS Consumer Portfolio Services CB Financial Services United Security Bancshares BV Financial Citizens Community Bancorp Hanover Bancorp OptimumBank (NASDAQ:OPHC) and Peoples Bancorp of North Carolina (NASDAQ:PEBK) are both small-cap finance companies, but which is the superior stock? We will contrast the two companies based on the strength of their profitability, analyst recommendations, earnings, dividends, risk, institutional ownership, media sentiment and valuation. Do analysts recommend OPHC or PEBK? Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score OptimumBank 0 Sell rating(s) 0 Hold rating(s) 0 Buy rating(s) 0 Strong Buy rating(s) 0.00Peoples Bancorp of North Carolina 0 Sell rating(s) 1 Hold rating(s) 0 Buy rating(s) 0 Strong Buy rating(s) 2.00 Does the media refer more to OPHC or PEBK? In the previous week, Peoples Bancorp of North Carolina had 4 more articles in the media than OptimumBank. MarketBeat recorded 5 mentions for Peoples Bancorp of North Carolina and 1 mentions for OptimumBank. Peoples Bancorp of North Carolina's average media sentiment score of 0.67 beat OptimumBank's score of 0.00 indicating that Peoples Bancorp of North Carolina is being referred to more favorably in the news media. Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment OptimumBank 0 Very Positive mention(s) 0 Positive mention(s) 1 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Neutral Peoples Bancorp of North Carolina 2 Very Positive mention(s) 0 Positive mention(s) 2 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Positive Which has more risk and volatility, OPHC or PEBK? OptimumBank has a beta of 0.41, indicating that its share price is 59% less volatile than the S&P 500. Comparatively, Peoples Bancorp of North Carolina has a beta of 0.63, indicating that its share price is 37% less volatile than the S&P 500. Is OPHC or PEBK more profitable? OptimumBank has a net margin of 19.62% compared to Peoples Bancorp of North Carolina's net margin of 15.11%. OptimumBank's return on equity of 14.10% beat Peoples Bancorp of North Carolina's return on equity.Company Net Margins Return on Equity Return on Assets OptimumBank19.62% 14.10% 1.31% Peoples Bancorp of North Carolina 15.11%12.17%1.00% Which has preferable valuation & earnings, OPHC or PEBK? Peoples Bancorp of North Carolina has higher revenue and earnings than OptimumBank. OptimumBank is trading at a lower price-to-earnings ratio than Peoples Bancorp of North Carolina, indicating that it is currently the more affordable of the two stocks. CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings RatioOptimumBank$43.11M1.07$6.28M$1.283.08Peoples Bancorp of North Carolina$108.45M1.57$16.35M$3.0610.21 Do insiders & institutionals have more ownership in OPHC or PEBK? 7.4% of OptimumBank shares are held by institutional investors. Comparatively, 43.8% of Peoples Bancorp of North Carolina shares are held by institutional investors. 13.9% of OptimumBank shares are held by insiders. Comparatively, 16.9% of Peoples Bancorp of North Carolina shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term. SummaryPeoples Bancorp of North Carolina beats OptimumBank on 11 of the 14 factors compared between the two stocks. Get OptimumBank News Delivered to You Automatically Sign up to receive the latest news and ratings for OPHC and its competitors with MarketBeat's FREE daily newsletter. Subscribe Now View SMS TermsBy entering your phone number and clicking the sign-up button, you agree to receive periodic text messages from MarketBeat at the phone number you submitted, including texts that may be sent using an automatic telephone dialing system. Message and data rates may apply. Message frequency will vary. Messages will consist of stock alerts, news stories, and partner advertisements/offers. Consent is not a condition of the purchase of any goods or services. Text HELP for help/customer support. Unsubscribe at any time by replying "STOP" to any text message that you receive from MarketBeat or by visiting our mailing preferences page. Read our full terms of service and privacy policy. New MarketBeat Followers Over TimeWhat are MarkeBeat Followers?This chart shows the number of new MarketBeat users adding OPHC and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period. Skip ChartMedia Sentiment Over TimeWhat is Media Sentiment?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.Skip Chart OPHC vs. The Competition Export to ExcelMetricOptimumBankNational commercial banks IndustryFinance SectorNASDAQ ExchangeMarket Cap$46.30M$519.67M$12.59B$10.60BDividend YieldN/A2.65%5.56%4.86%P/E Ratio2.9811.1121.2628.46Price / Sales1.072.6229.97128.87Price / Cash4.7711.3222.2960.64Price / Book0.411.292.246.53Net Income$6.28M$23.34M$1.02B$276.75M7 Day Performance-1.01%-0.32%0.96%0.20%1 Month Performance-6.64%-5.20%-1.12%1.67%1 Year Performance-14.35%7.71%536.19%32.73% OptimumBank Competitors List Export to ExcelCompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)OPHCOptimumBank0.9051 of 5 stars$3.94-0.3%N/A-12.8%$46.30M$43.11M2.9840High Trading VolumePEBKPeoples Bancorp of North Carolina2.3378 of 5 stars$31.50+4.7%N/A+27.5%$171.99M$108.45M10.13310Earnings ReportGap UpOVBCOhio Valley Banc2.5871 of 5 stars$35.90-1.2%N/A+56.4%$169.09M$88.93M12.21260News CoverageUpcoming EarningsDividend AnnouncementMRBKMeridian Bank4.0293 of 5 stars$14.68+2.2%$17.50+19.2%+13.8%$165.88M$197.37M9.12410News CoverageEarnings ReportAnalyst UpgradeAnalyst RevisionTROOTROOPS0.548 of 5 stars$1.46+5.0%N/A-36.7%$164.27M$15.08M0.0020Trending NewsCPSSConsumer Portfolio Services2.2009 of 5 stars$7.39-5.4%N/A-16.9%$164.24M$206.32M9.24740News CoverageUpcoming EarningsCBFVCB Financial Services3.4977 of 5 stars$32.48+0.8%$35.50+9.3%+15.9%$162.08M$81.62M15.11200News CoverageEarnings ReportUpcoming EarningsUBFOUnited Security Bancshares2.5099 of 5 stars$9.23+3.7%N/A+4.7%$161.34M$65.46M13.78120Positive NewsEarnings ReportBVFLBV Financial1.819 of 5 stars$16.10+1.4%N/A+7.4%$160.02M$38.70M14.77112News CoverageEarnings ReportCZWICitizens Community Bancorp3.3065 of 5 stars$15.51-0.1%N/A+11.2%$153.08M$57.94M12.51220Upcoming EarningsHNVRHanover Bancorp3.9716 of 5 stars$20.98+0.7%$23.83+13.6%+8.1%$151.37M$71.77M13.71160 Related Companies and Tools Related Companies PEBK Competitors OVBC Competitors MRBK Competitors TROO Competitors CPSS Competitors CBFV Competitors UBFO Competitors BVFL Competitors CZWI Competitors HNVR Competitors Top 10 Stock Comparisons Semiconductor Stocks Artificial Intelligence Stocks Growth Stocks Magnificent Seven Stocks Pharmaceutical Stocks Ecommerce Stocks Bitcoin Stocks Meme Stocks Cryptocurrency Stocks Cybersecurity Stocks This page (NASDAQ:OPHC) was last updated on 10/23/2025 by MarketBeat.com Staff From Our PartnersNEW LAW: Congress Approves Setup For Digital Dollar?Trump Ally Says Congress Approved the Setup for a Digital Dollar 2.0 But according to Rep. 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