Go Pro

OptimumBank (OPHC) Competitors

OptimumBank logo
$9.06 +0.11 (+1.21%)
As of 01:32 PM Eastern
This is a fair market value price provided by Massive. Learn more.

OPHC vs. PBFS, AVBC, PLBC, ISTR, and USCB

Should you buy OptimumBank stock or one of its competitors? OptimumBank's main competitors and comparable companies include Pioneer Bancorp (PBFS), Avidia Bancorp (AVBC), Plumas Bancorp (PLBC), Investar (ISTR), and USCB Financial (USCB). 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 Pioneer Bancorp?

OptimumBank (NASDAQ:OPHC) and Pioneer Bancorp (NASDAQ:PBFS) 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, institutional ownership, earnings, profitability, analyst recommendations, dividends, valuation and risk.

OptimumBank has a beta of 0.22, indicating that its share price is 78% less volatile than the broader market. Comparatively, Pioneer Bancorp has a beta of 0.41, indicating that its share price is 59% less volatile than the broader market.

OptimumBank has a net margin of 19.62% compared to Pioneer Bancorp's net margin of 0.00%. OptimumBank's return on equity of 14.10% beat Pioneer Bancorp's return on equity.

Company Net Margins Return on Equity Return on Assets
OptimumBank19.62% 14.10% 1.31%
Pioneer Bancorp N/A 4.07%0.59%

OptimumBank presently has a consensus price target of $6.67, indicating a potential downside of 26.40%. Given OptimumBank's stronger consensus rating and higher probable upside, analysts clearly believe OptimumBank is more favorable than Pioneer Bancorp.

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
Pioneer Bancorp
0 Sell rating(s)
0 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
3.00

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
OptimumBank$58.79M1.89$6.28M$0.8710.41
Pioneer Bancorp$31.81M13.45$6.45M$0.6626.10

7.4% of OptimumBank shares are held by institutional investors. 18.7% of OptimumBank shares are held by company insiders. Comparatively, 2.8% of Pioneer Bancorp 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.

In the previous week, Pioneer Bancorp had 1 more articles in the media than OptimumBank. MarketBeat recorded 3 mentions for Pioneer Bancorp and 2 mentions for OptimumBank. Pioneer Bancorp's average media sentiment score of 1.44 beat OptimumBank's score of 0.99 indicating that Pioneer Bancorp is being referred to more favorably in the news media.

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

Summary

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

How does OptimumBank compare to Avidia Bancorp?

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

OptimumBank has higher earnings, but lower revenue 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
OptimumBank$58.79M1.89$6.28M$0.8710.41
Avidia Bancorp$147.61M3.01-$3.29M$0.9523.31

7.4% of OptimumBank shares are held by institutional investors. 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 company is poised for long-term growth.

OptimumBank currently has a consensus price target of $6.67, indicating a potential downside of 26.40%. Given OptimumBank's stronger consensus rating and higher probable upside, equities research analysts clearly believe OptimumBank is more favorable than Avidia Bancorp.

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
Avidia Bancorp
1 Sell rating(s)
0 Hold rating(s)
0 Buy rating(s)
1 Strong Buy rating(s)
2.50

In the previous week, OptimumBank had 1 more articles in the media than Avidia Bancorp. MarketBeat recorded 2 mentions for OptimumBank and 1 mentions for Avidia Bancorp. OptimumBank's average media sentiment score of 0.99 beat Avidia Bancorp's score of 0.00 indicating that OptimumBank is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
OptimumBank
1 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
Avidia Bancorp
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 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
OptimumBank19.62% 14.10% 1.31%
Avidia Bancorp 11.51%4.65%0.63%

Summary

OptimumBank beats Avidia Bancorp on 11 of the 15 factors compared between the two stocks.

How does OptimumBank compare to Plumas Bancorp?

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

In the previous week, Plumas Bancorp had 2 more articles in the media than OptimumBank. MarketBeat recorded 4 mentions for Plumas Bancorp and 2 mentions for OptimumBank. OptimumBank's average media sentiment score of 0.99 beat Plumas Bancorp's score of 0.40 indicating that OptimumBank is being referred to more favorably in the news media.

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

41.7% of Plumas Bancorp shares are owned by institutional investors. Comparatively, 7.4% of OptimumBank shares are owned by institutional investors. 7.4% of Plumas 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 endowments, large money managers and hedge funds believe a company is poised for long-term growth.

Plumas Bancorp has a beta of 0.6, meaning that its share price is 40% less volatile than the broader market. Comparatively, OptimumBank has a beta of 0.22, meaning that its share price is 78% less volatile than the broader market.

Plumas Bancorp has a net margin of 27.39% compared to OptimumBank's net margin of 19.62%. Plumas Bancorp's return on equity of 15.41% beat OptimumBank's return on equity.

Company Net Margins Return on Equity Return on Assets
Plumas Bancorp27.39% 15.41% 1.80%
OptimumBank 19.62%14.10%1.31%

Plumas Bancorp currently has a consensus target price of $66.33, indicating a potential upside of 4.36%. OptimumBank has a consensus target price of $6.67, indicating a potential downside of 26.40%. Given Plumas Bancorp's higher probable upside, equities analysts plainly believe Plumas Bancorp is more favorable than OptimumBank.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Plumas Bancorp
0 Sell rating(s)
0 Hold rating(s)
4 Buy rating(s)
0 Strong Buy rating(s)
3.00
OptimumBank
0 Sell rating(s)
0 Hold rating(s)
3 Buy rating(s)
1 Strong Buy rating(s)
3.25

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Plumas Bancorp$112.17M3.94$29.62M$5.0812.51
OptimumBank$58.79M1.89$6.28M$0.8710.41

Summary

Plumas Bancorp beats OptimumBank on 13 of the 17 factors compared between the two stocks.

How does OptimumBank compare to Investar?

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

In the previous week, Investar had 1 more articles in the media than OptimumBank. MarketBeat recorded 3 mentions for Investar and 2 mentions for OptimumBank. Investar's average media sentiment score of 1.74 beat OptimumBank's score of 0.99 indicating that Investar is being referred to more favorably in the news media.

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

7.4% of OptimumBank shares are owned by institutional investors. Comparatively, 50.2% of Investar shares are owned by institutional investors. 18.7% of OptimumBank shares are owned by insiders. Comparatively, 10.6% of Investar shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
OptimumBank$58.79M1.89$6.28M$0.8710.41
Investar$119.80M3.57$22.90M$2.4312.76

OptimumBank has a beta of 0.22, indicating that its share price is 78% less volatile than the broader market. Comparatively, Investar has a beta of 0.45, indicating that its share price is 55% less volatile than the broader market.

OptimumBank presently has a consensus target price of $6.67, indicating a potential downside of 26.40%. Investar has a consensus target price of $31.50, indicating a potential upside of 1.56%. Given Investar's higher possible upside, analysts plainly believe Investar 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
Investar
0 Sell rating(s)
1 Hold rating(s)
1 Buy rating(s)
1 Strong Buy rating(s)
3.00

OptimumBank has a net margin of 19.62% compared to Investar's net margin of 17.55%. OptimumBank's return on equity of 14.10% beat Investar's return on equity.

Company Net Margins Return on Equity Return on Assets
OptimumBank19.62% 14.10% 1.31%
Investar 17.55%12.44%1.20%

Summary

Investar beats OptimumBank on 10 of the 16 factors compared between the two stocks.

How does OptimumBank compare to USCB Financial?

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

OptimumBank has a beta of 0.22, suggesting that its share price is 78% less volatile than the broader market. Comparatively, USCB Financial has a beta of 0.5, suggesting that its share price is 50% less volatile than the broader market.

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
OptimumBank$58.79M1.89$6.28M$0.8710.41
USCB Financial$97.13M4.28$26.10M$1.5214.79

OptimumBank presently has a consensus price target of $6.67, suggesting a potential downside of 26.40%. USCB Financial has a consensus price target of $23.75, suggesting a potential upside of 5.65%. Given USCB Financial's higher possible upside, analysts plainly believe USCB Financial 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
USCB Financial
0 Sell rating(s)
1 Hold rating(s)
3 Buy rating(s)
2 Strong Buy rating(s)
3.17

7.4% of OptimumBank shares are held by institutional investors. Comparatively, 61.3% of USCB Financial shares are held by institutional investors. 18.7% of OptimumBank shares are held by company insiders. Comparatively, 27.4% of USCB Financial shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.

OptimumBank has a net margin of 19.62% compared to USCB Financial's net margin of 17.24%. USCB Financial's return on equity of 16.07% beat OptimumBank's return on equity.

Company Net Margins Return on Equity Return on Assets
OptimumBank19.62% 14.10% 1.31%
USCB Financial 17.24%16.07%1.24%

In the previous week, OptimumBank had 1 more articles in the media than USCB Financial. MarketBeat recorded 2 mentions for OptimumBank and 1 mentions for USCB Financial. USCB Financial's average media sentiment score of 1.89 beat OptimumBank's score of 0.99 indicating that USCB Financial is being referred to more favorably in the news media.

Company Overall Sentiment
OptimumBank Positive
USCB Financial Very Positive

Summary

USCB Financial beats OptimumBank on 12 of the 16 factors compared between the two stocks.

Get OptimumBank News Delivered to You Automatically

Sign up to receive the latest news and ratings for OPHC and its competitors with MarketBeat's FREE daily newsletter.

Subscribe Now
SMS is currently available in Australia, Belgium, Canada, France, Germany, Ireland, Italy, New Zealand, the Netherlands, Singapore, South Africa, Spain, Switzerland, the United Kingdom, and the United States. By entering your phone number and clicking the sign-up button, you agree to receive periodic text messages from MarketBeat at the phone number you submitted, including texts that may be sent using an automatic telephone dialing system. Message and data rates may apply. Message frequency will vary. Messages will consist of stock alerts, news stories, and partner advertisements/offers. Consent is not a condition of the purchase of any goods or services. Text HELP for help/customer support. Unsubscribe at any time by replying "STOP" to any text message that you receive from MarketBeat or by visiting our mailing preferences page. Read our full terms of service and privacy policy.

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.
Skip Chart

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.
Skip Chart

OPHC vs. The Competition

MetricOptimumBankBanks IndustryFinance SectorNASDAQ Exchange
Market Cap$111.03M$23.84B$14.03B$13.07B
Dividend YieldN/A3.17%5.89%10.74%
P/E Ratio6.8628.2629.3125.21
Price / Sales1.899.66502.72105.76
Price / Cash4.7716.1939.3750.58
Price / Book0.941.393.696.25
Net Income$6.28M$2.57B$1.31B$347.71M
7 Day Performance0.64%0.99%0.71%1.83%
1 Month Performance50.97%3.70%1.74%0.99%
1 Year Performance109.68%27.27%11.97%19.84%

OptimumBank Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
OPHC
OptimumBank
1.9687 of 5 stars
$9.06
+1.2%
$6.67
-26.4%
+107.2%$111.03M$58.79M6.8640
PBFS
Pioneer Bancorp
1.1541 of 5 stars
$17.17
flat
N/A+35.6%$430.57M$31.81M26.02260
AVBC
Avidia Bancorp
1.9685 of 5 stars
$21.66
+2.0%
N/AN/A$426.22M$147.61M22.80N/A
PLBC
Plumas Bancorp
2.9147 of 5 stars
$61.30
+0.9%
$66.33
+8.2%
+49.1%$423.17M$112.17M12.07190
ISTR
Investar
3.6961 of 5 stars
$30.51
-0.1%
$31.50
+3.2%
+37.6%$421.39M$153.48M12.56340

Related Companies and Tools


This page (NASDAQ:OPHC) was last updated on 8/13/2026 by MarketBeat.com Staff.
From Our Partners