Which has preferable valuation & earnings, OPHC or FUNC?

First United has higher revenue and earnings than OptimumBank. OptimumBank is trading at a lower price-to-earnings ratio than First United, 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 1.37 $6.28M $0.88 6.84 First United $121.42M 2.33 $24.51M $3.91 11.20

Do analysts recommend OPHC or OVLY?

OptimumBank currently has a consensus price target of $6.67, indicating a potential upside of 10.82%. Given OptimumBank's higher possible upside, equities analysts plainly believe OptimumBank is more favorable than Oak Valley 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 Oak Valley Bancorp 0 Sell rating(s) 0 Hold rating(s) 1 Buy rating(s) 0 Strong Buy rating(s) 3.00

OptimumBank (OPHC) Competitors

$6.02 +0.01 (+0.10%)

As of 02:15 PM Eastern

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OPHC vs. ISBA, FUNC, WNEB, OVLY, 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 Isabella Bank (ISBA), First United (FUNC), Western New England Bancorp (WNEB), Oak Valley Bancorp (OVLY), and Franklin Financial Services (FRAF). These companies are all part of the "banking" industry.

How does OptimumBank compare to Isabella Bank?

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

OptimumBank has a net margin of 19.62% compared to Isabella Bank's net margin of 17.30%. OptimumBank's return on equity of 14.10% beat Isabella Bank's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Isabella Bank	17.30%	8.33%	0.86%
OptimumBank	19.62%	14.10%	1.31%

Isabella Bank has higher revenue and earnings than OptimumBank. OptimumBank is trading at a lower price-to-earnings ratio than Isabella Bank, 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
Isabella Bank	$112M	2.65	$18.91M	$2.71	14.94
OptimumBank	$53.68M	1.37	$6.28M	$0.88	6.84

Isabella Bank has a beta of 0.01, suggesting that its stock price is 99% less volatile than the broader market. Comparatively, OptimumBank has a beta of 0.29, suggesting that its stock price is 71% less volatile than the broader market.

In the previous week, Isabella Bank had 2 more articles in the media than OptimumBank. MarketBeat recorded 2 mentions for Isabella Bank and 0 mentions for OptimumBank. Isabella Bank's average media sentiment score of 0.00 equaled OptimumBank'saverage media sentiment score.

Company	Overall Sentiment
Isabella Bank	Neutral
OptimumBank	Neutral

7.4% of OptimumBank shares are owned by institutional investors. 1.3% of Isabella Bank shares are owned by insiders. Comparatively, 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 company is poised for long-term growth.

Isabella Bank currently has a consensus target price of $47.00, indicating a potential upside of 16.10%. OptimumBank has a consensus target price of $6.67, indicating a potential upside of 10.82%. Given Isabella Bank's higher probable upside, research analysts clearly believe Isabella Bank is more favorable than OptimumBank.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Isabella Bank	0 Sell rating(s)	2 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	2.33
OptimumBank	0 Sell rating(s)	1 Hold rating(s)	3 Buy rating(s)	0 Strong Buy rating(s)	2.75

Summary

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

How does OptimumBank compare to First United?

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

First United has a net margin of 20.55% compared to OptimumBank's net margin of 19.62%. OptimumBank's return on equity of 14.10% beat First United's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
OptimumBank	19.62%	14.10%	1.31%
First United	20.55%	13.39%	1.31%

First United has higher revenue and earnings than OptimumBank. OptimumBank is trading at a lower price-to-earnings ratio than First United, 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	1.37	$6.28M	$0.88	6.84
First United	$121.42M	2.33	$24.51M	$3.91	11.20

OptimumBank has a beta of 0.29, suggesting that its share price is 71% less volatile than the broader market. Comparatively, First United has a beta of 0.52, suggesting that its share price is 48% less volatile than the broader market.

OptimumBank currently has a consensus price target of $6.67, suggesting a potential upside of 10.82%. First United has a consensus price target of $47.25, suggesting a potential upside of 7.91%. Given OptimumBank's higher probable upside, equities research analysts plainly believe OptimumBank is more favorable than First United.

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
First United	0 Sell rating(s)	0 Hold rating(s)	3 Buy rating(s)	0 Strong Buy rating(s)	3.00

7.4% of OptimumBank shares are held by institutional investors. Comparatively, 33.3% of First United shares are held by institutional investors. 18.7% of OptimumBank shares are held by insiders. Comparatively, 8.1% of First United shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

In the previous week, First United had 5 more articles in the media than OptimumBank. MarketBeat recorded 5 mentions for First United and 0 mentions for OptimumBank. First United's average media sentiment score of 0.92 beat OptimumBank's score of 0.00 indicating that First United is being referred to more favorably in the news media.

Company	Overall Sentiment
OptimumBank	Neutral
First United	Positive

Summary

First United beats OptimumBank on 11 of the 14 factors compared between the two stocks.

How does OptimumBank compare to Western New England Bancorp?

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

OptimumBank has a net margin of 19.62% compared to Western New England Bancorp's net margin of 13.27%. OptimumBank's return on equity of 14.10% beat Western New England Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
OptimumBank	19.62%	14.10%	1.31%
Western New England Bancorp	13.27%	7.25%	0.65%

OptimumBank has a beta of 0.29, suggesting that its share price is 71% less volatile than the broader market. Comparatively, Western New England Bancorp has a beta of 0.75, suggesting that its share price is 25% less volatile than the broader market.

OptimumBank presently has a consensus target price of $6.67, indicating a potential upside of 10.82%. Western New England Bancorp has a consensus target price of $15.00, indicating a potential upside of 3.20%. Given OptimumBank's stronger consensus rating and higher probable upside, analysts clearly believe OptimumBank is more favorable than Western New England 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
Western New England Bancorp	0 Sell rating(s)	2 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	2.50

7.4% of OptimumBank shares are held by institutional investors. Comparatively, 67.9% of Western New England Bancorp shares are held by institutional investors. 18.7% of OptimumBank shares are held by company insiders. Comparatively, 6.6% of Western New England Bancorp shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.

Western New England Bancorp has higher revenue and earnings than OptimumBank. OptimumBank is trading at a lower price-to-earnings ratio than Western New England 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	1.37	$6.28M	$0.88	6.84
Western New England Bancorp	$86.58M	3.38	$15.27M	$0.89	16.33

In the previous week, Western New England Bancorp had 1 more articles in the media than OptimumBank. MarketBeat recorded 1 mentions for Western New England Bancorp and 0 mentions for OptimumBank. Western New England Bancorp's average media sentiment score of 1.34 beat OptimumBank's score of 0.00 indicating that Western New England Bancorp is being referred to more favorably in the news media.

Company	Overall Sentiment
OptimumBank	Neutral
Western New England Bancorp	Positive

Summary

Western New England Bancorp beats OptimumBank on 9 of the 16 factors compared between the two stocks.

How does OptimumBank compare to Oak Valley Bancorp?

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

OptimumBank currently has a consensus price target of $6.67, indicating a potential upside of 10.82%. Given OptimumBank's higher possible upside, equities analysts plainly believe OptimumBank is more favorable than Oak Valley 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
Oak Valley Bancorp	0 Sell rating(s)	0 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	3.00

7.4% of OptimumBank shares are held by institutional investors. Comparatively, 30.9% of Oak Valley Bancorp shares are held by institutional investors. 18.7% of OptimumBank shares are held by insiders. Comparatively, 13.9% of Oak Valley Bancorp shares are held 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.

Oak Valley Bancorp has a net margin of 24.80% compared to OptimumBank's net margin of 19.62%. OptimumBank's return on equity of 14.10% beat Oak Valley Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
OptimumBank	19.62%	14.10%	1.31%
Oak Valley Bancorp	24.80%	11.99%	1.20%

OptimumBank has a beta of 0.29, suggesting that its share price is 71% less volatile than the broader market. Comparatively, Oak Valley Bancorp has a beta of 0.21, suggesting that its share price is 79% less volatile than the broader market.

Oak Valley Bancorp has higher revenue and earnings than OptimumBank. OptimumBank is trading at a lower price-to-earnings ratio than Oak Valley 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	1.37	$6.28M	$0.88	6.84
Oak Valley Bancorp	$95.04M	2.95	$23.91M	$2.88	11.56

In the previous week, Oak Valley Bancorp had 3 more articles in the media than OptimumBank. MarketBeat recorded 3 mentions for Oak Valley Bancorp and 0 mentions for OptimumBank. Oak Valley Bancorp's average media sentiment score of 0.73 beat OptimumBank's score of 0.00 indicating that Oak Valley Bancorp is being referred to more favorably in the news media.

Company	Overall Sentiment
OptimumBank	Neutral
Oak Valley Bancorp	Positive

Summary

Oak Valley Bancorp beats OptimumBank on 10 of the 16 factors compared between the two stocks.

How does OptimumBank compare to Franklin Financial Services?

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

OptimumBank has a beta of 0.29, indicating that its share price is 71% less volatile than the broader market. Comparatively, Franklin Financial Services has a beta of -0.02, indicating that its share price is 102% less volatile than the broader market.

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
OptimumBank	$53.68M	1.37	$6.28M	$0.88	6.84
Franklin Financial Services	$133.55M	2.11	$21.23M	$5.34	11.76

In the previous week, Franklin Financial Services had 9 more articles in the media than OptimumBank. MarketBeat recorded 9 mentions for Franklin Financial Services and 0 mentions for OptimumBank. Franklin Financial Services' average media sentiment score of 0.64 beat OptimumBank's score of 0.00 indicating that Franklin Financial Services is being referred to more favorably in the news media.

Company	Overall Sentiment
OptimumBank	Neutral
Franklin Financial Services	Positive

OptimumBank presently has a consensus target price of $6.67, suggesting a potential upside of 10.82%. Franklin Financial Services has a consensus target price of $64.00, suggesting a potential upside of 1.90%. Given OptimumBank's stronger consensus rating and higher probable upside, research analysts clearly believe OptimumBank is more favorable than Franklin Financial Services.

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
Franklin Financial Services	0 Sell rating(s)	1 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	2.50

7.4% of OptimumBank shares are held by institutional investors. Comparatively, 24.8% of Franklin Financial Services shares are held by institutional investors. 18.7% of OptimumBank shares are held by insiders. Comparatively, 5.9% of Franklin Financial Services shares are held by 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 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
OptimumBank	19.62%	14.10%	1.31%
Franklin Financial Services	17.73%	14.13%	1.05%

Summary

Franklin Financial Services 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.

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	$74.27M	$1.30B	$14.40B	$12.44B
Dividend Yield	N/A	2.58%	5.66%	9.39%
P/E Ratio	4.59	12.47	20.55	24.19
Price / Sales	1.37	2.77	44.45	94.29
Price / Cash	4.77	11.24	19.24	47.25
Price / Book	0.62	1.52	2.26	6.26
Net Income	$6.28M	$94.47M	$1.14B	$331.52M
7 Day Performance	0.27%	0.49%	0.41%	-1.19%
1 Month Performance	2.84%	2.49%	1.56%	-1.35%
1 Year Performance	31.07%	15.56%	13.46%	18.74%

OptimumBank Competitors List

Export

Company	MarketRank	Share Price	Analysts' Price Target	1Y Price Performance	Market Cap	Revenue	P/E Ratio	Employee Count	Indicator(s)
OPHC OptimumBank	N/A	$6.02 +0.1%	$6.67 +10.8%	+32.1%	$74.27M	$53.68M	4.59	40
ISBA Isabella Bank	3.6513 of 5 stars	$39.07 -0.5%	$47.00 +20.3%	N/A	$287.95M	$112M	14.42	330	Upcoming Earnings
FUNC First United	4.6161 of 5 stars	$44.83 +0.7%	$47.25 +5.4%	+28.2%	$286.94M	$121.42M	11.47	300	News Coverage Earnings Report
WNEB Western New England Bancorp	3.6019 of 5 stars	$14.58 +2.8%	$15.00 +2.9%	+45.2%	$285.38M	$131.13M	16.38	360	News Coverage Positive News Upcoming Earnings
OVLY Oak Valley Bancorp	3.1904 of 5 stars	$33.51 +0.7%	N/A	+20.0%	$280.08M	$95.04M	11.64	200	Upcoming Earnings

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This page (NASDAQ:OPHC) was last updated on 7/21/2026 by MarketBeat.com Staff.

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OptimumBank (OPHC) Competitors

OPHC vs. ISBA, FUNC, WNEB, OVLY, and FRAF

How does OptimumBank compare to Isabella Bank?

Summary

How does OptimumBank compare to First United?

Summary

How does OptimumBank compare to Western New England Bancorp?

Summary

How does OptimumBank compare to Oak Valley 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

Related Companies and Tools

Best-in-Class Portfolio Monitoring

Stock Ideas and Recommendations

Advanced Stock Screeners and Research Tools

About MarketBeat

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OptimumBank (OPHC) Competitors

OPHC vs. ISBA, FUNC, WNEB, OVLY, and FRAF

How does OptimumBank compare to Isabella Bank?

Is ISBA or OPHC more profitable?

Which has preferable valuation and earnings, ISBA or OPHC?

Which has more risk and volatility, ISBA or OPHC?

Does the media prefer ISBA or OPHC?

Do insiders and institutionals have more ownership in ISBA or OPHC?

Do analysts rate ISBA or OPHC?

Summary

How does OptimumBank compare to First United?

Is OPHC or FUNC more profitable?

Which has preferable valuation & earnings, OPHC or FUNC?

Which has more risk & volatility, OPHC or FUNC?

Do analysts prefer OPHC or FUNC?

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

Does the media favor OPHC or FUNC?

Summary

How does OptimumBank compare to Western New England Bancorp?

Is OPHC or WNEB more profitable?

Which has more risk & volatility, OPHC or WNEB?

Do analysts rate OPHC or WNEB?

Do institutionals and insiders have more ownership in OPHC or WNEB?

Which has higher valuation and earnings, OPHC or WNEB?

Does the media refer more to OPHC or WNEB?

Summary

How does OptimumBank compare to Oak Valley Bancorp?

Do analysts recommend OPHC or OVLY?

Do insiders and institutionals have more ownership in OPHC or OVLY?

Is OPHC or OVLY more profitable?

Which has more volatility & risk, OPHC or OVLY?

Which has preferable earnings & valuation, OPHC or OVLY?

Does the media refer more to OPHC or OVLY?

Summary

How does OptimumBank compare to Franklin Financial Services?

Which has more risk & volatility, OPHC or FRAF?

Which has higher valuation and earnings, OPHC or FRAF?

Does the media refer more to OPHC or FRAF?

Do analysts recommend OPHC or FRAF?

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

Is OPHC or FRAF more profitable?

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