OptimumBank (OPHC) Competitors

$5.45 +0.01 (+0.18%)

Closing price 04:00 PM Eastern

Extended Trading

$5.41 -0.04 (-0.73%)

As of 04:10 PM Eastern

OPHC vs. FDBC, CNCK, HWBK, CBNA, and FRAF

Should you buy OptimumBank stock or one of its competitors? MarketBeat compares OptimumBank with other companies and stocks that may be similar based on industry, sector, market capitalization, business model, investor interest, or shared news coverage. Companies and stocks commonly compared with OptimumBank include Fidelity D&D Bancorp (FDBC), Coincheck Group (CNCK), Hawthorn Bancshares (HWBK), Chain Bridge Bancorp (CBNA), and Franklin Financial Services (FRAF). These companies are all part of the "banking" industry.

How does OptimumBank compare to Fidelity D&D Bancorp?

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

Fidelity D&D Bancorp has a net margin of 20.78% compared to OptimumBank's net margin of 19.62%. OptimumBank's return on equity of 14.10% beat Fidelity D&D Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
OptimumBank	19.62%	14.10%	1.31%
Fidelity D&D Bancorp	20.78%	12.75%	1.07%

OptimumBank has a beta of 0.33, meaning that its share price is 67% less volatile than the broader market. Comparatively, Fidelity D&D Bancorp has a beta of 0.85, meaning that its share price is 15% less volatile than the broader market.

7.4% of OptimumBank shares are owned by institutional investors. Comparatively, 20.1% of Fidelity D&D Bancorp shares are owned by institutional investors. 18.7% of OptimumBank shares are owned by insiders. Comparatively, 20.7% of Fidelity D&D Bancorp shares are owned by 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 currently has a consensus price target of $6.67, indicating a potential upside of 22.32%. Given OptimumBank's stronger consensus rating and higher possible upside, research analysts clearly believe OptimumBank is more favorable than Fidelity D&D Bancorp.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
OptimumBank	0 Sell rating(s)	1 Hold rating(s)	3 Buy rating(s)	0 Strong Buy rating(s)	2.75
Fidelity D&D Bancorp	0 Sell rating(s)	1 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	2.00

Fidelity D&D Bancorp has higher revenue and earnings than OptimumBank. OptimumBank is trading at a lower price-to-earnings ratio than Fidelity D&D 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
OptimumBank	$53.68M	1.25	$6.28M	$0.88	6.19
Fidelity D&D Bancorp	$140.40M	1.88	$28.20M	$5.12	8.88

In the previous week, OptimumBank and OptimumBank both had 1 articles in the media. Fidelity D&D Bancorp's average media sentiment score of 0.94 beat OptimumBank's score of 0.00 indicating that Fidelity D&D Bancorp 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
Fidelity D&D Bancorp	0 Very Positive mention(s)	0 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Summary

Fidelity D&D Bancorp beats OptimumBank on 10 of the 15 factors compared between the two stocks.

How does OptimumBank compare to Coincheck Group?

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

OptimumBank has a net margin of 19.62% compared to Coincheck Group's net margin of -0.38%. OptimumBank's return on equity of 14.10% beat Coincheck Group's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
OptimumBank	19.62%	14.10%	1.31%
Coincheck Group	-0.38%	-12.42%	-1.37%

OptimumBank presently has a consensus price target of $6.67, indicating a potential upside of 22.32%. Coincheck Group has a consensus price target of $3.75, indicating a potential upside of 76.89%. Given Coincheck Group's higher possible upside, analysts clearly believe Coincheck Group is more favorable than OptimumBank.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
OptimumBank	0 Sell rating(s)	1 Hold rating(s)	3 Buy rating(s)	0 Strong Buy rating(s)	2.75
Coincheck Group	1 Sell rating(s)	2 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	2.00

7.4% of OptimumBank shares are owned by institutional investors. Comparatively, 33.2% of Coincheck Group shares are owned by institutional investors. 18.7% of OptimumBank shares are owned by insiders. Comparatively, 65.1% of Coincheck Group 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 higher earnings, but lower revenue than Coincheck Group. OptimumBank is trading at a lower price-to-earnings ratio than Coincheck Group, 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
OptimumBank	$53.68M	1.25	$6.28M	$0.88	6.19
Coincheck Group	$3.02B	0.10	-$11.40M	$0.02	106.00

In the previous week, Coincheck Group had 9 more articles in the media than OptimumBank. MarketBeat recorded 10 mentions for Coincheck Group and 1 mentions for OptimumBank. Coincheck Group's average media sentiment score of 0.14 beat OptimumBank's score of 0.00 indicating that Coincheck Group 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
Coincheck Group	1 Very Positive mention(s)	2 Positive mention(s)	3 Neutral mention(s)	2 Negative mention(s)	0 Very Negative mention(s)	Neutral

OptimumBank has a beta of 0.33, indicating that its share price is 67% less volatile than the broader market. Comparatively, Coincheck Group has a beta of 0.47, indicating that its share price is 53% less volatile than the broader market.

Summary

OptimumBank and Coincheck Group tied by winning 8 of the 16 factors compared between the two stocks.

How does OptimumBank compare to Hawthorn Bancshares?

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

OptimumBank has a beta of 0.33, indicating that its stock price is 67% less volatile than the broader market. Comparatively, Hawthorn Bancshares has a beta of 0.43, indicating that its stock price is 57% less volatile than the broader market.

In the previous week, OptimumBank and OptimumBank both had 1 articles in the media. Hawthorn Bancshares' average media sentiment score of 0.76 beat OptimumBank's score of 0.00 indicating that Hawthorn Bancshares 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
Hawthorn Bancshares	0 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	1 Negative mention(s)	0 Very Negative mention(s)	Positive

OptimumBank currently has a consensus target price of $6.67, indicating a potential upside of 22.32%. Given OptimumBank's stronger consensus rating and higher probable upside, equities analysts plainly believe OptimumBank is more favorable than Hawthorn Bancshares.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
OptimumBank	0 Sell rating(s)	1 Hold rating(s)	3 Buy rating(s)	0 Strong Buy rating(s)	2.75
Hawthorn Bancshares	0 Sell rating(s)	1 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	2.00

7.4% of OptimumBank shares are owned by institutional investors. Comparatively, 30.7% of Hawthorn Bancshares shares are owned by institutional investors. 18.7% of OptimumBank shares are owned by company insiders. Comparatively, 22.9% of Hawthorn Bancshares shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Hawthorn Bancshares has higher revenue and earnings than OptimumBank. OptimumBank is trading at a lower price-to-earnings ratio than Hawthorn Bancshares, 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
OptimumBank	$53.68M	1.25	$6.28M	$0.88	6.19
Hawthorn Bancshares	$111.97M	2.20	$23.80M	$3.64	9.81

Hawthorn Bancshares has a net margin of 22.14% compared to OptimumBank's net margin of 19.62%. Hawthorn Bancshares' return on equity of 15.01% beat OptimumBank's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
OptimumBank	19.62%	14.10%	1.31%
Hawthorn Bancshares	22.14%	15.01%	1.33%

Summary

Hawthorn Bancshares beats OptimumBank on 12 of the 15 factors compared between the two stocks.

How does OptimumBank compare to Chain Bridge Bancorp?

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

Chain Bridge Bancorp currently has a consensus price target of $38.50, indicating a potential upside of 2.25%. OptimumBank has a consensus price target of $6.67, indicating a potential upside of 22.32%. Given OptimumBank's stronger consensus rating and higher possible upside, analysts plainly believe OptimumBank is more favorable than Chain Bridge Bancorp.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Chain Bridge Bancorp	1 Sell rating(s)	4 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	1.80
OptimumBank	0 Sell rating(s)	1 Hold rating(s)	3 Buy rating(s)	0 Strong Buy rating(s)	2.75

7.4% of OptimumBank shares are held by institutional investors. 25.4% of Chain Bridge 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, endowments and hedge funds believe a stock is poised for long-term growth.

Chain Bridge Bancorp has a beta of 0.45, meaning that its share price is 55% less volatile than the broader market. Comparatively, OptimumBank has a beta of 0.33, meaning that its share price is 67% less volatile than the broader market.

In the previous week, OptimumBank had 1 more articles in the media than Chain Bridge Bancorp. MarketBeat recorded 1 mentions for OptimumBank and 0 mentions for Chain Bridge Bancorp. Chain Bridge Bancorp's average media sentiment score of 0.00 equaled OptimumBank'saverage media sentiment score.

Company	Overall Sentiment
Chain Bridge Bancorp	Neutral
OptimumBank	Neutral

Chain Bridge Bancorp has higher revenue and earnings than OptimumBank. OptimumBank is trading at a lower price-to-earnings ratio than Chain Bridge 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
Chain Bridge Bancorp	$59.32M	4.16	$20.24M	$3.31	11.37
OptimumBank	$53.68M	1.25	$6.28M	$0.88	6.19

Chain Bridge Bancorp has a net margin of 35.09% compared to OptimumBank's net margin of 19.62%. OptimumBank's return on equity of 14.10% beat Chain Bridge Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Chain Bridge Bancorp	35.09%	13.07%	1.31%
OptimumBank	19.62%	14.10%	1.31%

Summary

Chain Bridge Bancorp beats OptimumBank on 8 of the 14 factors compared between the two stocks.

How does OptimumBank compare to Franklin Financial Services?

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

In the previous week, Franklin Financial Services and Franklin Financial Services both had 1 articles in the media. Franklin Financial Services' average media sentiment score of 0.94 beat OptimumBank's score of 0.00 indicating that Franklin Financial Services is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Franklin Financial Services	0 Very Positive mention(s)	0 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
OptimumBank	0 Very Positive mention(s)	0 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral

Franklin Financial Services currently has a consensus price target of $64.00, suggesting a potential upside of 15.57%. OptimumBank has a consensus price target of $6.67, suggesting a potential upside of 22.32%. Given OptimumBank's higher probable upside, analysts clearly believe OptimumBank is more favorable than Franklin Financial Services.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Franklin Financial Services	0 Sell rating(s)	0 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	3.00
OptimumBank	0 Sell rating(s)	1 Hold rating(s)	3 Buy rating(s)	0 Strong Buy rating(s)	2.75

24.8% of Franklin Financial Services shares are held by institutional investors. Comparatively, 7.4% of OptimumBank shares are held by institutional investors. 5.9% of Franklin Financial Services 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 stock is poised for long-term growth.

Franklin Financial Services has a beta of -0.01, meaning that its stock price is 101% less volatile than the broader market. Comparatively, OptimumBank has a beta of 0.33, meaning that its stock price is 67% less volatile than the broader market.

OptimumBank has a net margin of 19.62% compared to Franklin Financial Services' net margin of 17.73%. Franklin Financial Services' return on equity of 14.13% beat OptimumBank's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Franklin Financial Services	17.73%	14.13%	1.05%
OptimumBank	19.62%	14.10%	1.31%

Franklin Financial Services has higher revenue and earnings than OptimumBank. OptimumBank is trading at a lower price-to-earnings ratio than Franklin Financial Services, 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
Franklin Financial Services	$133.55M	1.86	$21.23M	$5.34	10.37
OptimumBank	$53.68M	1.25	$6.28M	$0.88	6.19

Summary

Franklin Financial Services beats OptimumBank on 9 of the 15 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.

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.

OPHC vs. The Competition

Export

Metric	OptimumBank	National commercial banks Industry	Finance Sector	NASDAQ Exchange
Market Cap	$66.86M	$1.23B	$13.46B	$12.22B
Dividend Yield	N/A	2.66%	5.87%	5.30%
P/E Ratio	4.13	11.74	23.72	25.25
Price / Sales	1.25	2.61	166.50	70.73
Price / Cash	4.77	11.15	19.91	37.27
Price / Book	0.56	1.42	2.18	6.63
Net Income	$6.28M	$94.47M	$1.13B	$335.32M
7 Day Performance	-1.09%	0.08%	-0.83%	-1.83%
1 Month Performance	0.74%	0.69%	-1.14%	-1.16%
1 Year Performance	18.48%	12.47%	9.48%	28.31%

OptimumBank Competitors List

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Company	MarketRank	Share Price	Analysts' Price Target	1Y Price Performance	Market Cap	Revenue	P/E Ratio	Employee Count	Indicator(s)
OPHC OptimumBank	2.6306 of 5 stars	$5.45 +0.2%	$6.67 +22.3%	+18.3%	$66.86M	$53.68M	4.13	40
FDBC Fidelity D&D Bancorp	2.0741 of 5 stars	$45.40 +0.3%	N/A	+5.9%	$263.77M	$140.40M	8.87	320
CNCK Coincheck Group	2.679 of 5 stars	$1.94 -5.8%	$3.75 +93.3%	-69.3%	$263.70M	$475.13B	97.05	N/A	Earnings Report Gap Down
HWBK Hawthorn Bancshares	1.8623 of 5 stars	$36.51 +0.6%	N/A	+16.4%	$251.81M	$81.76M	10.03	310	Analyst Downgrade
CBNA Chain Bridge Bancorp	2.6833 of 5 stars	$38.30 +3.5%	$38.50 +0.5%	+34.0%	$251.33M	$57.87M	11.57	84

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This page (NASDAQ:OPHC) was last updated on 5/18/2026 by MarketBeat.com Staff.

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OptimumBank (OPHC) Competitors

OPHC vs. FDBC, CNCK, HWBK, CBNA, and FRAF

How does OptimumBank compare to Fidelity D&D Bancorp?

Summary

How does OptimumBank compare to Coincheck Group?

Summary

How does OptimumBank compare to Hawthorn Bancshares?

Summary

How does OptimumBank compare to Chain Bridge Bancorp?

Summary

How does OptimumBank compare to Franklin Financial Services?

Summary

New MarketBeat Followers Over Time

Media Sentiment Over Time

OPHC vs. The Competition

OptimumBank Competitors List

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Stock Ideas and Recommendations

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OptimumBank (OPHC) Competitors

OPHC vs. FDBC, CNCK, HWBK, CBNA, and FRAF

How does OptimumBank compare to Fidelity D&D Bancorp?

Is OPHC or FDBC more profitable?

Which has more risk and volatility, OPHC or FDBC?

Do institutionals and insiders believe in OPHC or FDBC?

Do analysts rate OPHC or FDBC?

Which has better valuation and earnings, OPHC or FDBC?

Does the media favor OPHC or FDBC?

Summary

How does OptimumBank compare to Coincheck Group?

Is OPHC or CNCK more profitable?

Do analysts prefer OPHC or CNCK?

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

Which has stronger earnings & valuation, OPHC or CNCK?

Does the media favor OPHC or CNCK?

Which has more risk & volatility, OPHC or CNCK?

Summary

How does OptimumBank compare to Hawthorn Bancshares?

Which has more risk and volatility, OPHC or HWBK?

Does the media favor OPHC or HWBK?

Do analysts rate OPHC or HWBK?

Do institutionals & insiders hold more shares of OPHC or HWBK?

Which has better valuation & earnings, OPHC or HWBK?

Is OPHC or HWBK more profitable?

Summary

How does OptimumBank compare to Chain Bridge Bancorp?

Do analysts rate CBNA or OPHC?

Do institutionals and insiders believe in CBNA or OPHC?

Which has more volatility and risk, CBNA or OPHC?

Does the media refer more to CBNA or OPHC?

Which has stronger valuation and earnings, CBNA or OPHC?

Is CBNA or OPHC more profitable?

Summary

How does OptimumBank compare to Franklin Financial Services?

Does the media prefer FRAF or OPHC?

Do analysts rate FRAF or OPHC?

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

Which has more volatility and risk, FRAF or OPHC?

Is FRAF or OPHC more profitable?

Which has stronger valuation & earnings, FRAF or OPHC?

Summary

New MarketBeat Followers Over Time

Media Sentiment Over Time

OPHC vs. The Competition

OptimumBank Competitors List

Related Companies and Tools

MarketBeat All Access Features

Best-in-Class Portfolio Monitoring

Stock Ideas and Recommendations

Advanced Stock Screeners and Research Tools