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OptimumBank (OPHC) Competitors

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$4.66 +0.01 (+0.11%)
Closing price 07/25/2025 03:59 PM Eastern
Extended Trading
$4.58 -0.09 (-1.91%)
As of 07/25/2025 04:04 PM Eastern
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OPHC vs. OPOF, WNEB, FINW, OPBK, HWBK, VABK, BETR, BLFY, FCCO, and FXNC

Should you be buying OptimumBank stock or one of its competitors? The main competitors of OptimumBank include Old Point Financial (OPOF), Western New England Bancorp (WNEB), FinWise Bancorp (FINW), OP Bancorp (OPBK), Hawthorn Bancshares (HWBK), Virginia National Bankshares (VABK), Better Home & Finance (BETR), Blue Foundry Bancorp (BLFY), First Community (FCCO), and First National (FXNC). These companies are all part of the "banking" industry.

OptimumBank vs. Its Competitors

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

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

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.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
OptimumBank$40.98M1.34$6.28M$1.333.51
Old Point Financial$85.82M2.42$9.51M$1.9620.70

In the previous week, Old Point Financial had 2 more articles in the media than OptimumBank. MarketBeat recorded 2 mentions for Old Point Financial and 0 mentions for OptimumBank. Old Point Financial's average media sentiment score of 1.28 beat OptimumBank's score of 0.00 indicating that Old Point Financial is being referred to more favorably in the news media.

Company Overall Sentiment
OptimumBank Neutral
Old Point Financial Positive

OptimumBank has a beta of 0.48, indicating that its share price is 52% less volatile than the S&P 500. Comparatively, Old Point Financial has a beta of -0.31, indicating that its share price is 131% less volatile than the S&P 500.

OptimumBank has a net margin of 19.62% compared to Old Point Financial's net margin of 11.52%. 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
OptimumBank19.62% 14.10% 1.31%
Old Point Financial 11.52%8.58%0.68%

Summary

Old Point Financial beats OptimumBank on 9 of the 13 factors compared between the two stocks.

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New MarketBeat Followers Over Time

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.
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Media Sentiment Over Time

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.
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OPHC vs. The Competition

MetricOptimumBankNational commercial banks IndustryFinance SectorNASDAQ Exchange
Market Cap$54.82M$523.68M$12.26B$9.50B
Dividend YieldN/A2.79%5.54%4.00%
P/E Ratio3.5310.9719.0620.07
Price / Sales1.342.8626.1198.54
Price / Cash4.7711.2221.6358.56
Price / Book0.481.392.205.88
Net Income$6.28M$27.69M$998.02M$258.89M
7 Day Performance2.53%-0.06%0.58%3.70%
1 Month Performance4.83%3.20%3.45%11.71%
1 Year Performance4.60%10.51%536.27%17.98%

OptimumBank Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
OPHC
OptimumBank
N/A$4.67
+0.1%
N/A+4.6%$54.82M$40.98M3.5340
OPOF
Old Point Financial
1.2268 of 5 stars
$41.20
-0.1%
N/A+138.0%$210.51M$85.82M21.02280
WNEB
Western New England Bancorp
3.2679 of 5 stars
$10.04
+0.6%
$8.50
-15.3%
+33.3%$208.15M$72.99M18.96360Trending News
Earnings Report
Dividend Announcement
Analyst Forecast
Analyst Revision
FINW
FinWise Bancorp
3.2402 of 5 stars
$15.83
+0.5%
$20.88
+31.8%
+47.0%$207.29M$96.84M17.04120News Coverage
Earnings Report
Analyst Upgrade
Gap Down
OPBK
OP Bancorp
3.8433 of 5 stars
$13.94
+0.5%
$18.00
+29.2%
+11.4%$205.21M$84.70M9.73190News Coverage
Earnings Report
Dividend Announcement
High Trading Volume
HWBK
Hawthorn Bancshares
1.7528 of 5 stars
$29.13
+1.5%
N/A+36.2%$204.89M$109.67M10.75310Positive News
Upcoming Earnings
VABK
Virginia National Bankshares
1.3904 of 5 stars
$37.57
+2.2%
N/A-5.1%$201.98M$83.52M11.36170News Coverage
Earnings Report
Dividend Announcement
Gap Up
BETR
Better Home & Finance
0.38 of 5 stars
$13.26
+0.5%
N/A+2,614.3%$201.55M$108.49M-1.001,250
BLFY
Blue Foundry Bancorp
2.3273 of 5 stars
$9.20
+1.0%
$11.00
+19.6%
-19.7%$200.15M$87.25M-16.46180Positive News
Upcoming Earnings
FCCO
First Community
4.1062 of 5 stars
$25.49
+0.3%
$29.67
+16.4%
+8.8%$194.50M$103.43M12.79250News Coverage
Positive News
Earnings Report
Dividend Increase
FXNC
First National
2.7901 of 5 stars
$21.05
+1.9%
$24.75
+17.6%
+30.6%$189.37M$92.70M25.38210Upcoming Earnings

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This page (NASDAQ:OPHC) was last updated on 7/26/2025 by MarketBeat.com Staff
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