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OptimumBank (OPHC) Competitors

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$8.79 +0.16 (+1.85%)
As of 03:05 PM Eastern
This is a fair market value price provided by Massive. Learn more.

OPHC vs. CZNC, BMRC, AVBC, FRBA, and RBB

Should you buy OptimumBank stock or one of its competitors? OptimumBank's main competitors and comparable companies include Citizens & Northern (CZNC), Bank of Marin Bancorp (BMRC), Avidia Bancorp (AVBC), First Bank (FRBA), and RBB Bancorp (RBB). Companies are selected based on similarities in market, industry, and size. These companies are all part of the "regional banks" industry.

How does OptimumBank compare to Citizens & Northern?

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

OptimumBank has a net margin of 19.62% compared to Citizens & Northern's net margin of 13.28%. OptimumBank's return on equity of 14.10% beat Citizens & Northern's return on equity.

Company Net Margins Return on Equity Return on Assets
OptimumBank19.62% 14.10% 1.31%
Citizens & Northern 13.28%9.54%1.04%

7.4% of OptimumBank shares are owned by institutional investors. Comparatively, 30.8% of Citizens & Northern shares are owned by institutional investors. 18.7% of OptimumBank shares are owned by insiders. Comparatively, 4.7% of Citizens & Northern shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

OptimumBank has a beta of 0.31, indicating that its share price is 69% less volatile than the broader market. Comparatively, Citizens & Northern has a beta of 0.41, indicating that its share price is 59% less volatile than the broader market.

In the previous week, Citizens & Northern had 3 more articles in the media than OptimumBank. MarketBeat recorded 4 mentions for Citizens & Northern and 1 mentions for OptimumBank. Citizens & Northern's average media sentiment score of 0.87 beat OptimumBank's score of 0.33 indicating that Citizens & Northern 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
Citizens & Northern
1 Very Positive mention(s)
1 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
OptimumBank$58.79M1.85$6.28M$0.879.92
Citizens & Northern$170.03M2.66$23.43M$1.4817.07

OptimumBank presently has a consensus price target of $6.67, indicating a potential downside of 22.75%. Citizens & Northern has a consensus price target of $23.50, indicating a potential downside of 7.00%. Given Citizens & Northern's higher possible upside, analysts plainly believe Citizens & Northern is more favorable than OptimumBank.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
OptimumBank
0 Sell rating(s)
0 Hold rating(s)
3 Buy rating(s)
1 Strong Buy rating(s)
3.25
Citizens & Northern
0 Sell rating(s)
3 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.25

Summary

Citizens & Northern beats OptimumBank on 10 of the 17 factors compared between the two stocks.

How does OptimumBank compare to Bank of Marin Bancorp?

Bank of Marin Bancorp (NASDAQ:BMRC) and OptimumBank (NASDAQ:OPHC) are both small-cap finance companies, but which is the better investment? We will compare the two companies based on the strength of their analyst recommendations, risk, dividends, valuation, earnings, media sentiment, institutional ownership and profitability.

OptimumBank has a net margin of 19.62% compared to Bank of Marin Bancorp's net margin of -7.98%. OptimumBank's return on equity of 14.10% beat Bank of Marin Bancorp's return on equity.

Company Net Margins Return on Equity Return on Assets
Bank of Marin Bancorp-7.98% 8.51% 0.89%
OptimumBank 19.62%14.10%1.31%

Bank of Marin Bancorp has a beta of 0.82, indicating that its stock price is 18% less volatile than the broader market. Comparatively, OptimumBank has a beta of 0.31, indicating that its stock price is 69% less volatile than the broader market.

In the previous week, Bank of Marin Bancorp and Bank of Marin Bancorp both had 1 articles in the media. Bank of Marin Bancorp's average media sentiment score of 0.91 beat OptimumBank's score of 0.33 indicating that Bank of Marin Bancorp is being referred to more favorably in the media.

Company Overall Sentiment
Bank of Marin Bancorp Positive
OptimumBank Neutral

52.3% of Bank of Marin Bancorp shares are held by institutional investors. Comparatively, 7.4% of OptimumBank shares are held by institutional investors. 4.9% of Bank of Marin Bancorp shares are held by company insiders. Comparatively, 18.7% of OptimumBank shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.

Bank of Marin Bancorp currently has a consensus price target of $31.33, indicating a potential upside of 17.31%. OptimumBank has a consensus price target of $6.67, indicating a potential downside of 22.75%. Given Bank of Marin Bancorp's higher possible upside, equities research analysts plainly believe Bank of Marin Bancorp is more favorable than OptimumBank.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Bank of Marin Bancorp
0 Sell rating(s)
5 Hold rating(s)
2 Buy rating(s)
0 Strong Buy rating(s)
2.29
OptimumBank
0 Sell rating(s)
0 Hold rating(s)
3 Buy rating(s)
1 Strong Buy rating(s)
3.25

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Bank of Marin Bancorp$163.98M2.64-$35.67M-$0.91N/A
OptimumBank$58.79M1.85$6.28M$0.879.92

Summary

OptimumBank beats Bank of Marin Bancorp on 10 of the 16 factors compared between the two stocks.

How does OptimumBank compare to Avidia Bancorp?

Avidia Bancorp (NYSE:AVBC) and OptimumBank (NASDAQ:OPHC) are both small-cap finance companies, but which is the superior business? We will compare the two companies based on the strength of their risk, media sentiment, valuation, earnings, dividends, institutional ownership, profitability and analyst recommendations.

7.4% of OptimumBank shares are held by institutional investors. 3.4% of Avidia Bancorp shares are held by company insiders. Comparatively, 18.7% of OptimumBank shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.

Avidia Bancorp presently has a consensus target price of $26.00, indicating a potential upside of 17.79%. OptimumBank has a consensus target price of $6.67, indicating a potential downside of 22.75%. Given Avidia Bancorp's higher possible upside, research analysts clearly believe Avidia Bancorp is more favorable than OptimumBank.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Avidia Bancorp
1 Sell rating(s)
1 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.00
OptimumBank
0 Sell rating(s)
0 Hold rating(s)
3 Buy rating(s)
1 Strong Buy rating(s)
3.25

OptimumBank has a net margin of 19.62% compared to Avidia Bancorp's net margin of 11.51%. OptimumBank's return on equity of 14.10% beat Avidia Bancorp's return on equity.

Company Net Margins Return on Equity Return on Assets
Avidia Bancorp11.51% 4.62% 0.63%
OptimumBank 19.62%14.10%1.31%

Avidia Bancorp has a beta of -0.44, indicating that its stock price is 144% less volatile than the broader market. Comparatively, OptimumBank has a beta of 0.31, indicating that its stock price is 69% less volatile than the broader market.

In the previous week, Avidia Bancorp had 3 more articles in the media than OptimumBank. MarketBeat recorded 4 mentions for Avidia Bancorp and 1 mentions for OptimumBank. OptimumBank's average media sentiment score of 0.33 beat Avidia Bancorp's score of 0.28 indicating that OptimumBank is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Avidia Bancorp
1 Very Positive mention(s)
1 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Neutral
OptimumBank
0 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Neutral

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Avidia Bancorp$147.61M2.99-$3.29M$0.9523.24
OptimumBank$58.79M1.85$6.28M$0.879.92

Summary

OptimumBank beats Avidia Bancorp on 11 of the 17 factors compared between the two stocks.

How does OptimumBank compare to First Bank?

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

64.9% of First Bank shares are owned by institutional investors. Comparatively, 7.4% of OptimumBank shares are owned by institutional investors. 18.7% of OptimumBank shares are owned 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.

First Bank has a beta of 0.57, indicating that its stock price is 43% less volatile than the broader market. Comparatively, OptimumBank has a beta of 0.31, indicating that its stock price is 69% less volatile than the broader market.

OptimumBank has a net margin of 19.62% compared to First Bank's net margin of 17.45%. OptimumBank's return on equity of 14.10% beat First Bank's return on equity.

Company Net Margins Return on Equity Return on Assets
First Bank17.45% 9.57% 1.06%
OptimumBank 19.62%14.10%1.31%

In the previous week, First Bank and First Bank both had 1 articles in the media. First Bank's average media sentiment score of 1.82 beat OptimumBank's score of 0.33 indicating that First Bank is being referred to more favorably in the media.

Company Overall Sentiment
First Bank Very Positive
OptimumBank Neutral

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
First Bank$245.83M1.80$43.66M$1.6910.46
OptimumBank$58.79M1.85$6.28M$0.879.92

First Bank presently has a consensus price target of $19.67, indicating a potential upside of 11.30%. OptimumBank has a consensus price target of $6.67, indicating a potential downside of 22.75%. Given First Bank's higher probable upside, equities analysts plainly believe First Bank is more favorable than OptimumBank.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
First Bank
0 Sell rating(s)
2 Hold rating(s)
3 Buy rating(s)
0 Strong Buy rating(s)
2.60
OptimumBank
0 Sell rating(s)
0 Hold rating(s)
3 Buy rating(s)
1 Strong Buy rating(s)
3.25

Summary

First Bank beats OptimumBank on 8 of the 15 factors compared between the two stocks.

How does OptimumBank compare to RBB Bancorp?

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

RBB Bancorp has a beta of 1.04, suggesting that its share price is 4% more volatile than the broader market. Comparatively, OptimumBank has a beta of 0.31, suggesting that its share price is 69% less volatile than the broader market.

40.1% of RBB Bancorp shares are owned by institutional investors. Comparatively, 7.4% of OptimumBank shares are owned by institutional investors. 6.8% of RBB Bancorp shares are owned by company insiders. Comparatively, 18.7% of OptimumBank shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

OptimumBank has a net margin of 19.62% compared to RBB Bancorp's net margin of 17.26%. OptimumBank's return on equity of 14.10% beat RBB Bancorp's return on equity.

Company Net Margins Return on Equity Return on Assets
RBB Bancorp17.26% 7.94% 0.99%
OptimumBank 19.62%14.10%1.31%

RBB Bancorp presently has a consensus target price of $25.50, indicating a potential downside of 0.74%. OptimumBank has a consensus target price of $6.67, indicating a potential downside of 22.75%. Given RBB Bancorp's higher possible upside, equities analysts clearly believe RBB Bancorp is more favorable than OptimumBank.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
RBB Bancorp
0 Sell rating(s)
3 Hold rating(s)
3 Buy rating(s)
0 Strong Buy rating(s)
2.50
OptimumBank
0 Sell rating(s)
0 Hold rating(s)
3 Buy rating(s)
1 Strong Buy rating(s)
3.25

In the previous week, RBB Bancorp had 2 more articles in the media than OptimumBank. MarketBeat recorded 3 mentions for RBB Bancorp and 1 mentions for OptimumBank. RBB Bancorp's average media sentiment score of 0.49 beat OptimumBank's score of 0.33 indicating that RBB Bancorp is being referred to more favorably in the media.

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

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
RBB Bancorp$238M1.83$31.95M$2.4310.57
OptimumBank$58.79M1.85$6.28M$0.879.92

Summary

RBB Bancorp beats OptimumBank on 9 of the 16 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

MetricOptimumBankBanks IndustryFinance SectorNASDAQ Exchange
Market Cap$110.76M$22.74B$13.50B$13.16B
Dividend YieldN/A3.15%6.07%20.73%
P/E Ratio6.6525.5224.7025.79
Price / Sales1.899.13479.58101.74
Price / Cash4.7714.6629.5336.12
Price / Book0.911.322.716.03
Net Income$6.28M$2.60B$1.32B$380.34M
7 Day Performance-0.23%-0.95%-0.78%-2.88%
1 Month Performance-3.09%-3.27%-2.78%-5.05%
1 Year Performance121.41%21.38%10.72%-2.39%

OptimumBank Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
OPHC
OptimumBank
1.6884 of 5 stars
$8.79
+1.9%
$6.67
-24.2%
+114.7%$110.76M$58.79M6.6598
CZNC
Citizens & Northern
3.9945 of 5 stars
$25.20
-0.9%
$23.50
-6.7%
+31.1%$456.08M$170.03M17.03460
BMRC
Bank of Marin Bancorp
3.7285 of 5 stars
$26.87
-1.9%
$31.33
+16.6%
+16.7%$443.72M$163.98MN/A311
AVBC
Avidia Bancorp
4.4336 of 5 stars
$21.98
-1.0%
$26.00
+18.3%
N/A$443.34M$147.61M23.13241
FRBA
First Bank
4.5538 of 5 stars
$17.55
-0.6%
$19.67
+12.1%
+16.5%$442.94M$245.83M10.38336

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This page (NASDAQ:OPHC) was last updated on 10/13/2026 by MarketBeat.com Staff.
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