Which has preferable valuation & earnings, FRBA or OPHC?

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. Company Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio First Bank $245.83M 1.83 $43.66M $1.69 10.61 OptimumBank $58.79M 1.91 $6.28M $0.87 10.21

Which has preferable earnings and valuation, OPHC or RBB?

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. Company Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio OptimumBank $58.79M 1.91 $6.28M $0.87 10.21 RBB Bancorp $238M 1.88 $31.95M $2.43 10.86

OptimumBank (OPHC) Competitors

$8.88 -0.07 (-0.78%)

Closing price 09/2/2026 04:00 PM Eastern

Extended Trading

$9.07 +0.19 (+2.14%)

As of 09/2/2026 06:03 PM Eastern

Compare

OPHC vs. FMAO, CZNC, FRBA, CBAN, and RBB

Should you buy OptimumBank stock or one of its competitors? OptimumBank's main competitors and comparable companies include Farmers & Merchants Bancorp (FMAO), Citizens & Northern (CZNC), First Bank (FRBA), Colony Bankcorp (CBAN), 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 Farmers & Merchants Bancorp?

Farmers & Merchants Bancorp (NASDAQ:FMAO) 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 earnings, risk, valuation, profitability, dividends, analyst recommendations, media sentiment and institutional ownership.

Farmers & Merchants Bancorp has higher revenue and earnings than OptimumBank. OptimumBank is trading at a lower price-to-earnings ratio than Farmers & Merchants 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
Farmers & Merchants Bancorp	$190.68M	2.50	$33.31M	$2.91	11.88
OptimumBank	$58.79M	1.91	$6.28M	$0.87	10.21

Farmers & Merchants Bancorp has a net margin of 20.27% compared to OptimumBank's net margin of 19.62%. OptimumBank's return on equity of 14.10% beat Farmers & Merchants Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Farmers & Merchants Bancorp	20.27%	10.72%	1.16%
OptimumBank	19.62%	14.10%	1.31%

In the previous week, Farmers & Merchants Bancorp had 2 more articles in the media than OptimumBank. MarketBeat recorded 2 mentions for Farmers & Merchants Bancorp and 0 mentions for OptimumBank. Farmers & Merchants Bancorp's average media sentiment score of 1.44 beat OptimumBank's score of 1.00 indicating that Farmers & Merchants Bancorp is being referred to more favorably in the media.

Company	Overall Sentiment
Farmers & Merchants Bancorp	Positive
OptimumBank	Positive

Farmers & Merchants Bancorp currently has a consensus target price of $32.25, suggesting a potential downside of 6.68%. OptimumBank has a consensus target price of $6.67, suggesting a potential downside of 24.92%. Given Farmers & Merchants Bancorp's higher possible upside, research analysts clearly believe Farmers & Merchants Bancorp is more favorable than OptimumBank.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Farmers & Merchants Bancorp	0 Sell rating(s)	2 Hold rating(s)	1 Buy rating(s)	1 Strong Buy rating(s)	2.75
OptimumBank	0 Sell rating(s)	0 Hold rating(s)	3 Buy rating(s)	1 Strong Buy rating(s)	3.25

Farmers & Merchants Bancorp has a beta of 0.8, suggesting that its share price is 20% less volatile than the broader market. Comparatively, OptimumBank has a beta of 0.22, suggesting that its share price is 78% less volatile than the broader market.

24.0% of Farmers & Merchants Bancorp shares are owned by institutional investors. Comparatively, 7.4% of OptimumBank shares are owned by institutional investors. 7.3% of Farmers & Merchants 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 stock is poised for long-term growth.

Summary

Farmers & Merchants Bancorp beats OptimumBank on 11 of the 16 factors compared between the two stocks.

How does OptimumBank compare to Citizens & Northern?

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

In the previous week, Citizens & Northern had 2 more articles in the media than OptimumBank. MarketBeat recorded 2 mentions for Citizens & Northern and 0 mentions for OptimumBank. Citizens & Northern's average media sentiment score of 1.74 beat OptimumBank's score of 1.00 indicating that Citizens & Northern is being referred to more favorably in the media.

Company	Overall Sentiment
Citizens & Northern	Very Positive
OptimumBank	Positive

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
Citizens & Northern	13.28%	9.54%	1.04%
OptimumBank	19.62%	14.10%	1.31%

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.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Citizens & Northern	$170.03M	2.72	$23.43M	$1.48	17.45
OptimumBank	$58.79M	1.91	$6.28M	$0.87	10.21

Citizens & Northern has a beta of 0.4, indicating that its stock price is 60% less volatile than the broader market. Comparatively, OptimumBank has a beta of 0.22, indicating that its stock price is 78% less volatile than the broader market.

Citizens & Northern currently has a consensus target price of $23.50, suggesting a potential downside of 9.02%. OptimumBank has a consensus target price of $6.67, suggesting a potential downside of 24.92%. Given Citizens & Northern's higher possible upside, analysts clearly believe Citizens & Northern is more favorable than OptimumBank.

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

30.8% of Citizens & Northern shares are held by institutional investors. Comparatively, 7.4% of OptimumBank shares are held by institutional investors. 4.7% of Citizens & Northern 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 company will outperform the market over the long term.

Summary

Citizens & Northern beats OptimumBank on 10 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 better business? We will compare the two companies based on the strength of their valuation, institutional ownership, analyst recommendations, risk, profitability, dividends, earnings and media sentiment.

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 Bank	17.45%	9.57%	1.06%
OptimumBank	19.62%	14.10%	1.31%

First Bank currently has a consensus price target of $19.67, suggesting a potential upside of 9.69%. OptimumBank has a consensus price target of $6.67, suggesting a potential downside of 24.92%. Given First Bank's higher probable upside, research analysts clearly 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

64.9% of First Bank shares are owned by institutional investors. Comparatively, 7.4% of OptimumBank shares are owned by institutional investors. 13.1% of First Bank shares are owned by insiders. Comparatively, 18.7% of OptimumBank shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

First Bank has a beta of 0.52, indicating that its stock price is 48% less volatile than the broader market. Comparatively, OptimumBank has a beta of 0.22, indicating that its stock price is 78% less volatile than the broader market.

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.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
First Bank	$245.83M	1.83	$43.66M	$1.69	10.61
OptimumBank	$58.79M	1.91	$6.28M	$0.87	10.21

In the previous week, First Bank had 2 more articles in the media than OptimumBank. MarketBeat recorded 2 mentions for First Bank and 0 mentions for OptimumBank. OptimumBank's average media sentiment score of 1.00 beat First Bank's score of 0.71 indicating that OptimumBank is being referred to more favorably in the news media.

Company	Overall Sentiment
First Bank	Positive
OptimumBank	Positive

Summary

First Bank and OptimumBank tied by winning 8 of the 16 factors compared between the two stocks.

How does OptimumBank compare to Colony Bankcorp?

Colony Bankcorp (NYSE:CBAN) 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 analyst recommendations, valuation, media sentiment, profitability, institutional ownership, risk, dividends and earnings.

In the previous week, Colony Bankcorp had 6 more articles in the media than OptimumBank. MarketBeat recorded 6 mentions for Colony Bankcorp and 0 mentions for OptimumBank. Colony Bankcorp's average media sentiment score of 1.44 beat OptimumBank's score of 1.00 indicating that Colony Bankcorp is being referred to more favorably in the media.

Company	Overall Sentiment
Colony Bankcorp	Positive
OptimumBank	Positive

50.4% of Colony Bankcorp shares are held by institutional investors. Comparatively, 7.4% of OptimumBank shares are held by institutional investors. 3.9% of Colony Bankcorp shares are held by insiders. Comparatively, 18.7% of OptimumBank shares are held 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.

Colony Bankcorp presently has a consensus target price of $23.00, suggesting a potential upside of 7.82%. OptimumBank has a consensus target price of $6.67, suggesting a potential downside of 24.92%. Given Colony Bankcorp's higher possible upside, equities research analysts plainly believe Colony Bankcorp is more favorable than OptimumBank.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Colony Bankcorp	0 Sell rating(s)	0 Hold rating(s)	3 Buy rating(s)	1 Strong Buy rating(s)	3.25
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 Colony Bankcorp's net margin of 15.42%. OptimumBank's return on equity of 14.10% beat Colony Bankcorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Colony Bankcorp	15.42%	10.40%	1.06%
OptimumBank	19.62%	14.10%	1.31%

Colony Bankcorp has a beta of 0.54, suggesting that its stock price is 46% less volatile than the broader market. Comparatively, OptimumBank has a beta of 0.22, suggesting that its stock price is 78% less volatile than the broader market.

Colony Bankcorp has higher revenue and earnings than OptimumBank. OptimumBank is trading at a lower price-to-earnings ratio than Colony Bankcorp, 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
Colony Bankcorp	$190.23M	2.38	$28.25M	$1.65	12.93
OptimumBank	$58.79M	1.91	$6.28M	$0.87	10.21

Summary

Colony Bankcorp beats OptimumBank on 10 of the 14 factors compared between the two stocks.

How does OptimumBank compare to RBB Bancorp?

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

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.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
OptimumBank	$58.79M	1.91	$6.28M	$0.87	10.21
RBB Bancorp	$238M	1.88	$31.95M	$2.43	10.86

OptimumBank has a beta of 0.22, suggesting that its share price is 78% less volatile than the broader market. Comparatively, RBB Bancorp has a beta of 1.02, suggesting that its share price is 2% more volatile than the broader market.

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
OptimumBank	19.62%	14.10%	1.31%
RBB Bancorp	17.26%	7.94%	0.99%

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

In the previous week, RBB Bancorp had 5 more articles in the media than OptimumBank. MarketBeat recorded 5 mentions for RBB Bancorp and 0 mentions for OptimumBank. RBB Bancorp's average media sentiment score of 1.33 beat OptimumBank's score of 1.00 indicating that RBB Bancorp is being referred to more favorably in the news media.

Company	Overall Sentiment
OptimumBank	Positive
RBB Bancorp	Positive

OptimumBank presently has a consensus target price of $6.67, indicating a potential downside of 24.92%. RBB Bancorp has a consensus target price of $25.50, indicating a potential downside of 3.41%. Given RBB Bancorp's higher probable upside, analysts clearly believe RBB Bancorp 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
RBB Bancorp	0 Sell rating(s)	3 Hold rating(s)	3 Buy rating(s)	0 Strong Buy rating(s)	2.50

Summary

RBB Bancorp beats OptimumBank on 9 of the 16 factors compared between the two stocks.

Get OptimumBank News Delivered to You Automatically

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.

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	Banks Industry	Finance Sector	NASDAQ Exchange
Market Cap	$112.08M	$23.67B	$13.97B	$12.67B
Dividend Yield	N/A	3.19%	5.90%	8.56%
P/E Ratio	6.73	27.25	25.99	25.23
Price / Sales	1.91	9.53	527.71	104.56
Price / Cash	4.77	15.84	37.95	52.08
Price / Book	0.92	1.37	2.11	6.10
Net Income	$6.28M	$2.58B	$1.32B	$348.86M
7 Day Performance	1.60%	0.71%	-0.49%	-1.90%
1 Month Performance	-3.79%	0.45%	1.30%	1.96%
1 Year Performance	110.18%	23.94%	11.71%	15.30%

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	1.7732 of 5 stars	$8.88 -0.8%	$6.67 -24.9%	+108.7%	$112.97M	$58.79M	6.73	40	Positive News High Trading Volume
FMAO Farmers & Merchants Bancorp	3.5051 of 5 stars	$33.81 +0.4%	$32.25 -4.6%	+32.4%	$463.88M	$190.68M	11.62	430
CZNC Citizens & Northern	4.0297 of 5 stars	$25.36 -1.6%	$23.50 -7.3%	+27.4%	$462.36M	$170.03M	17.14	410
FRBA First Bank	4.2118 of 5 stars	$17.92 -0.3%	$19.67 +9.7%	+7.0%	$450.97M	$245.83M	10.60	240
CBAN Colony Bankcorp	4.3785 of 5 stars	$21.11 -0.3%	$23.00 +9.0%	+25.5%	$449.46M	$151.63M	12.79	520	Positive News

Related Companies and Tools

Related Companies

Top 10 Stock Comparisons

This page (NASDAQ:OPHC) was last updated on 9/3/2026 by MarketBeat.com Staff.

From Our Partners

Unlock superior investment research and tools.

Get MarketBeat All Access

In-depth profiles and analysis for 20,000 public companies.
Real-time analyst ratings, insider transactions, earnings data, and more.
Our daily ratings and market update email newsletter.

Sign In
Create Account

Your Email Address:

Your Password:

Forgot your password?

Your Email Address:

Choose a Password:

By creating a free account, you agree to our terms of service. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

OptimumBank (OPHC) Competitors

OPHC vs. FMAO, CZNC, FRBA, CBAN, and RBB

How does OptimumBank compare to Farmers & Merchants Bancorp?

Summary

How does OptimumBank compare to Citizens & Northern?

Summary

How does OptimumBank compare to First Bank?

Summary

How does OptimumBank compare to Colony Bankcorp?

Summary

How does OptimumBank compare to RBB Bancorp?

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

MarketBeat Products

Popular Tools

Financial Calendars

Terms & Info

OptimumBank (OPHC) Competitors

OPHC vs. FMAO, CZNC, FRBA, CBAN, and RBB

How does OptimumBank compare to Farmers & Merchants Bancorp?

Which has better valuation and earnings, FMAO or OPHC?

Is FMAO or OPHC more profitable?

Does the media refer more to FMAO or OPHC?

Do analysts recommend FMAO or OPHC?

Which has more risk & volatility, FMAO or OPHC?

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

Summary

How does OptimumBank compare to Citizens & Northern?

Does the media favor CZNC or OPHC?

Is CZNC or OPHC more profitable?

Which has preferable earnings & valuation, CZNC or OPHC?

Which has more risk & volatility, CZNC or OPHC?

Do analysts recommend CZNC or OPHC?

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

Summary

How does OptimumBank compare to First Bank?

Is FRBA or OPHC more profitable?

Do analysts prefer FRBA or OPHC?

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

Which has more volatility and risk, FRBA or OPHC?

Which has preferable valuation & earnings, FRBA or OPHC?

Does the media prefer FRBA or OPHC?

Summary

How does OptimumBank compare to Colony Bankcorp?

Does the media refer more to CBAN or OPHC?

Do insiders & institutionals have more ownership in CBAN or OPHC?

Do analysts rate CBAN or OPHC?

Is CBAN or OPHC more profitable?

Which has more risk and volatility, CBAN or OPHC?

Which has preferable earnings and valuation, CBAN or OPHC?

Summary

How does OptimumBank compare to RBB Bancorp?

Which has preferable earnings and valuation, OPHC or RBB?

Which has more risk & volatility, OPHC or RBB?

Is OPHC or RBB more profitable?

Do insiders & institutionals believe in OPHC or RBB?

Does the media favor OPHC or RBB?

Do analysts recommend OPHC or RBB?

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