OptimumBank (OPHC) Competitors

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

Does the MarketBeat Community believe in INBK or OPHC?

First Internet Bancorp received 182 more outperform votes than OptimumBank when rated by MarketBeat users. Likewise, 61.43% of users gave First Internet Bancorp an outperform vote while only 29.17% of users gave OptimumBank an outperform vote.

Company	Underperform	Outperform
First Internet Bancorp	Outperform Votes 266 61.43%	Underperform Votes 167 38.57%
OptimumBank	Outperform Votes 84 29.17%	Underperform Votes 204 70.83%

Is INBK or OPHC more profitable?

OptimumBank has a net margin of 19.62% compared to First Internet Bancorp's net margin of 7.45%. 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	7.45%	5.86%	0.40%
OptimumBank	19.62%	14.10%	1.31%

Which has higher earnings and valuation, 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	$135.23M	1.50	$25.28M	$2.41	9.66
OptimumBank	$40.98M	1.26	$6.28M	$1.33	3.32

Does the media refer more to INBK or OPHC?

In the previous week, OptimumBank had 4 more articles in the media than First Internet Bancorp. MarketBeat recorded 5 mentions for OptimumBank and 1 mentions for First Internet Bancorp. First Internet Bancorp's average media sentiment score of 1.87 beat OptimumBank's score of 1.18 indicating that First Internet Bancorp is being referred to more favorably in the media.

Company	Overall Sentiment
First Internet Bancorp	Very Positive
OptimumBank	Positive

Do insiders & institutionals hold more shares of 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 insiders. Comparatively, 13.9% of OptimumBank shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.

Which has more risk & volatility, INBK or OPHC?

First Internet Bancorp has a beta of 0.7, suggesting that its share price is 30% less volatile than the S&P 500. Comparatively, OptimumBank has a beta of 0.5, suggesting that its share price is 50% less volatile than the S&P 500.

Do analysts prefer INBK or OPHC?

First Internet Bancorp presently has a consensus price target of $31.75, suggesting a potential upside of 36.32%. Given First Internet Bancorp's stronger consensus rating and higher probable upside, research 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	0 Sell rating(s)	2 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	2.50
OptimumBank	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00

Summary

First Internet Bancorp beats OptimumBank on 13 of the 18 factors compared between the two stocks.