OptimumBank (OPHC) Competitors

Old Point Financial (NASDAQ:OPOF) and OptimumBank (NASDAQ:OPHC) are both small-cap finance companies, but which is the better investment? We will compare the two businesses based on the strength of their risk, analyst recommendations, dividends, media sentiment, institutional ownership, earnings, community ranking, valuation and profitability.

Does the MarketBeat Community believe in OPOF or OPHC?

Old Point Financial received 87 more outperform votes than OptimumBank when rated by MarketBeat users. Likewise, 49.42% of users gave Old Point Financial an outperform vote while only 29.37% of users gave OptimumBank an outperform vote.

Company	Underperform	Outperform
Old Point Financial	Outperform Votes 171 49.42%	Underperform Votes 175 50.58%
OptimumBank	Outperform Votes 84 29.37%	Underperform Votes 202 70.63%

Does the media prefer OPOF or OPHC?

In the previous week, Old Point Financial had 4 more articles in the media than OptimumBank. MarketBeat recorded 5 mentions for Old Point Financial and 1 mentions for OptimumBank. OptimumBank's average media sentiment score of 0.50 beat Old Point Financial's score of 0.45 indicating that OptimumBank is being referred to more favorably in the news media.

Company	Overall Sentiment
Old Point Financial	Neutral
OptimumBank	Positive

Do analysts recommend OPOF or OPHC?

OptimumBank has a consensus target price of $5.25, suggesting a potential upside of 19.59%. Given OptimumBank's stronger consensus rating and higher probable upside, analysts plainly believe OptimumBank is more favorable than Old Point Financial.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Old Point Financial	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00
OptimumBank	0 Sell rating(s)	1 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	2.00

Which has more volatility & risk, OPOF or OPHC?

Old Point Financial has a beta of -0.22, indicating that its stock price is 122% less volatile than the S&P 500. Comparatively, OptimumBank has a beta of 0.31, indicating that its stock price is 69% less volatile than the S&P 500.

Do insiders and institutionals hold more shares of OPOF or OPHC?

33.4% of Old Point Financial shares are owned by institutional investors. Comparatively, 7.4% of OptimumBank shares are owned by institutional investors. 21.1% of Old Point Financial shares are owned by company insiders. Comparatively, 13.9% of OptimumBank shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Is OPOF or OPHC more profitable?

OptimumBank has a net margin of 19.62% compared to Old Point Financial's net margin of 11.08%. OptimumBank's return on equity of 14.10% beat Old Point Financial's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Old Point Financial	11.08%	8.56%	0.66%
OptimumBank	19.62%	14.10%	1.31%

Which has stronger earnings & valuation, OPOF or OPHC?

Old Point Financial has higher revenue and earnings than OptimumBank. OptimumBank is trading at a lower price-to-earnings ratio than Old Point Financial, 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
Old Point Financial	$61.63M	3.20	$9.51M	$1.88	20.55
OptimumBank	$40.98M	1.26	$6.28M	$1.32	3.33

Summary

Old Point Financial beats OptimumBank on 10 of the 17 factors compared between the two stocks.