Which has better earnings and valuation, FUNC or OPHC?

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 First United $91.30M 3.21 $24.51M $3.91 11.61 OptimumBank $53.68M 1.33 $6.28M $0.88 6.59

Do analysts recommend HWBK or OPHC?

OptimumBank has a consensus target price of $6.67, suggesting a potential upside of 14.94%. Given OptimumBank's stronger consensus rating and higher probable upside, analysts clearly believe OptimumBank is more favorable than Hawthorn Bancshares. Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score Hawthorn Bancshares 0 Sell rating(s) 1 Hold rating(s) 0 Buy rating(s) 0 Strong Buy rating(s) 2.00 OptimumBank 0 Sell rating(s) 1 Hold rating(s) 3 Buy rating(s) 0 Strong Buy rating(s) 2.75

Do analysts recommend BLFY or OPHC?

OptimumBank has a consensus price target of $6.67, suggesting a potential upside of 14.94%. Given OptimumBank's stronger consensus rating and higher possible upside, analysts plainly believe OptimumBank is more favorable than Blue Foundry Bancorp. Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score Blue Foundry Bancorp 1 Sell rating(s) 0 Hold rating(s) 0 Buy rating(s) 0 Strong Buy rating(s) 1.00 OptimumBank 0 Sell rating(s) 1 Hold rating(s) 3 Buy rating(s) 0 Strong Buy rating(s) 2.75

OptimumBank (OPHC) Competitors

$5.80 +0.04 (+0.69%)

Closing price 06/26/2026 04:00 PM Eastern

Extended Trading

$5.78 -0.02 (-0.34%)

As of 06/26/2026 07:43 PM Eastern

Compare

OPHC vs. FRAF, WNEB, FUNC, HWBK, and BLFY

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 Franklin Financial Services (FRAF), Western New England Bancorp (WNEB), First United (FUNC), Hawthorn Bancshares (HWBK), and Blue Foundry Bancorp (BLFY). These companies are all part of the "banking" industry.

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 better investment? We will compare the two companies based on the strength of their earnings, analyst recommendations, institutional ownership, risk, media sentiment, valuation, dividends and profitability.

In the previous week, Franklin Financial Services had 1 more articles in the media than OptimumBank. MarketBeat recorded 1 mentions for Franklin Financial Services and 0 mentions for OptimumBank. Franklin Financial Services' average media sentiment score of 1.87 beat OptimumBank's score of 0.00 indicating that Franklin Financial Services is being referred to more favorably in the media.

Company	Overall Sentiment
Franklin Financial Services	Very Positive
OptimumBank	Neutral

Franklin Financial Services currently has a consensus price target of $64.00, suggesting a potential upside of 1.25%. OptimumBank has a consensus price target of $6.67, suggesting a potential upside of 14.94%. Given OptimumBank's stronger consensus rating and 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)	1 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	2.50
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 large money managers, endowments and hedge funds believe a company is poised for long-term growth.

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	2.13	$21.23M	$5.34	11.84
OptimumBank	$53.68M	1.33	$6.28M	$0.88	6.59

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%

Summary

Franklin Financial Services beats OptimumBank on 9 of the 15 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 better investment? We will contrast the two companies based on the strength of their dividends, institutional ownership, analyst recommendations, valuation, media sentiment, profitability, earnings and risk.

OptimumBank presently has a consensus target price of $6.67, suggesting a potential upside of 14.94%. Western New England Bancorp has a consensus target price of $15.00, suggesting a potential upside of 3.59%. Given OptimumBank's stronger consensus rating and higher possible upside, equities research analysts plainly 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

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	1.33	$6.28M	$0.88	6.59
Western New England Bancorp	$131.13M	2.22	$15.27M	$0.89	16.27

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%

7.4% of OptimumBank shares are held by institutional investors. Comparatively, 68.0% 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 endowments, large money managers and hedge funds believe a stock is poised for long-term growth.

OptimumBank has a beta of 0.33, suggesting that its share price is 67% less volatile than the broader market. Comparatively, Western New England Bancorp has a beta of 0.76, suggesting that its share price is 24% less volatile than the broader market.

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 1.89 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	Very Positive

Summary

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

How does OptimumBank compare to First United?

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

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
First United	20.55%	13.39%	1.31%
OptimumBank	19.62%	14.10%	1.31%

First United currently has a consensus target price of $44.50, indicating a potential downside of 1.98%. OptimumBank has a consensus target price of $6.67, indicating a potential upside of 14.94%. Given OptimumBank's higher probable upside, analysts clearly believe OptimumBank is more favorable than First United.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
First United	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

33.3% of First United shares are owned by institutional investors. Comparatively, 7.4% of OptimumBank shares are owned by institutional investors. 8.1% of First United 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, hedge funds and endowments believe a stock will outperform the market over the long term.

In the previous week, First United had 1 more articles in the media than OptimumBank. MarketBeat recorded 1 mentions for First United and 0 mentions for OptimumBank. First United's average media sentiment score of 1.91 beat OptimumBank's score of 0.00 indicating that First United is being referred to more favorably in the media.

Company	Overall Sentiment
First United	Very Positive
OptimumBank	Neutral

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
First United	$91.30M	3.21	$24.51M	$3.91	11.61
OptimumBank	$53.68M	1.33	$6.28M	$0.88	6.59

First United has a beta of 0.53, indicating that its stock price is 47% less volatile than the broader market. Comparatively, OptimumBank has a beta of 0.33, indicating that its stock price is 67% less volatile than the broader market.

Summary

First United beats OptimumBank on 11 of the 15 factors compared between the two stocks.

How does OptimumBank compare to Hawthorn Bancshares?

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

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
Hawthorn Bancshares	$111.97M	2.48	$23.80M	$3.64	11.05
OptimumBank	$53.68M	1.33	$6.28M	$0.88	6.59

Hawthorn Bancshares has a beta of 0.45, suggesting that its share price is 55% less volatile than the broader market. Comparatively, OptimumBank has a beta of 0.33, suggesting that its share price is 67% less volatile than the broader market.

OptimumBank has a consensus target price of $6.67, suggesting a potential upside of 14.94%. Given OptimumBank's stronger consensus rating and higher probable upside, analysts clearly believe OptimumBank is more favorable than Hawthorn Bancshares.

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

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
Hawthorn Bancshares	22.14%	15.01%	1.33%
OptimumBank	19.62%	14.10%	1.31%

In the previous week, Hawthorn Bancshares had 1 more articles in the media than OptimumBank. MarketBeat recorded 1 mentions for Hawthorn Bancshares and 0 mentions for OptimumBank. Hawthorn Bancshares' average media sentiment score of 1.87 beat OptimumBank's score of 0.00 indicating that Hawthorn Bancshares is being referred to more favorably in the media.

Company	Overall Sentiment
Hawthorn Bancshares	Very Positive
OptimumBank	Neutral

30.7% of Hawthorn Bancshares shares are owned by institutional investors. Comparatively, 7.4% of OptimumBank shares are owned by institutional investors. 22.9% of Hawthorn Bancshares shares are owned by insiders. Comparatively, 18.7% of OptimumBank 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.

Summary

Hawthorn Bancshares beats OptimumBank on 13 of the 16 factors compared between the two stocks.

How does OptimumBank compare to Blue Foundry Bancorp?

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

OptimumBank has a net margin of 19.62% compared to Blue Foundry Bancorp's net margin of -9.82%. OptimumBank's return on equity of 14.10% beat Blue Foundry Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Blue Foundry Bancorp	-9.82%	-2.84%	-0.44%
OptimumBank	19.62%	14.10%	1.31%

Blue Foundry Bancorp has a beta of 0.55, suggesting that its share price is 45% less volatile than the broader market. Comparatively, OptimumBank has a beta of 0.33, suggesting that its share price is 67% less volatile than the broader market.

In the previous week, Blue Foundry Bancorp's average media sentiment score of 0.00 equaled OptimumBank'saverage media sentiment score.

Company	Overall Sentiment
Blue Foundry Bancorp	Neutral
OptimumBank	Neutral

56.5% of Blue Foundry Bancorp shares are owned by institutional investors. Comparatively, 7.4% of OptimumBank shares are owned by institutional investors. 5.3% of Blue Foundry 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, hedge funds and large money managers believe a stock will outperform the market over the long term.

OptimumBank has higher revenue and earnings than Blue Foundry Bancorp. Blue Foundry Bancorp is trading at a lower price-to-earnings ratio than OptimumBank, 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
Blue Foundry Bancorp	$49.07M	5.60	-$11.91M	-$0.46	N/A
OptimumBank	$53.68M	1.33	$6.28M	$0.88	6.59

OptimumBank has a consensus price target of $6.67, suggesting a potential upside of 14.94%. Given OptimumBank's stronger consensus rating and higher possible upside, analysts plainly believe OptimumBank is more favorable than Blue Foundry Bancorp.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Blue Foundry Bancorp	1 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	1.00
OptimumBank	0 Sell rating(s)	1 Hold rating(s)	3 Buy rating(s)	0 Strong Buy rating(s)	2.75

Summary

OptimumBank beats Blue Foundry Bancorp on 11 of the 14 factors compared between the two stocks.

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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.

OPHC vs. The Competition

Export

Metric	OptimumBank	National commercial banks Industry	Finance Sector	NASDAQ Exchange
Market Cap	$71.15M	$1.32B	$13.89B	$12.18B
Dividend Yield	N/A	2.60%	5.69%	6.24%
P/E Ratio	4.39	12.43	20.48	24.17
Price / Sales	1.33	2.76	133.80	118.47
Price / Cash	4.77	11.20	19.68	55.62
Price / Book	0.60	1.51	2.26	6.36
Net Income	$6.28M	$94.47M	$1.14B	$337.99M
7 Day Performance	-0.85%	1.79%	0.90%	0.10%
1 Month Performance	4.50%	4.22%	1.41%	-1.28%
1 Year Performance	28.60%	16.20%	15.38%	27.68%

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	N/A	$5.80 +0.7%	$6.67 +14.9%	+28.6%	$71.15M	$53.68M	4.39	40	High Trading Volume
FRAF Franklin Financial Services	2.4964 of 5 stars	$61.92 -1.9%	$64.00 +3.4%	+83.3%	$283.55M	$133.55M	11.60	280	Positive News
WNEB Western New England Bancorp	3.749 of 5 stars	$14.21 +1.2%	$15.00 +5.6%	+57.4%	$282.56M	$131.13M	15.97	360	Positive News
FUNC First United	4.5478 of 5 stars	$43.43 +0.6%	$44.50 +2.5%	+55.4%	$278.30M	$121.42M	11.11	300	Positive News
HWBK Hawthorn Bancshares	1.778 of 5 stars	$39.37 -1.3%	N/A	+46.1%	$274.97M	$111.97M	10.82	310	Positive News Analyst Forecast

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This page (NASDAQ:OPHC) was last updated on 6/28/2026 by MarketBeat.com Staff.

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OptimumBank (OPHC) Competitors

OPHC vs. FRAF, WNEB, FUNC, HWBK, and BLFY

How does OptimumBank compare to Franklin Financial Services?

Summary

How does OptimumBank compare to Western New England Bancorp?

Summary

How does OptimumBank compare to First United?

Summary

How does OptimumBank compare to Hawthorn Bancshares?

Summary

How does OptimumBank compare to Blue Foundry Bancorp?

Summary

Media Sentiment Over Time

OPHC vs. The Competition

OptimumBank Competitors List

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OptimumBank (OPHC) Competitors

OPHC vs. FRAF, WNEB, FUNC, HWBK, and BLFY

How does OptimumBank compare to Franklin Financial Services?

Does the media prefer FRAF or OPHC?

Do analysts rate FRAF or OPHC?

Do insiders & institutionals believe in FRAF or OPHC?

Which has stronger earnings and valuation, FRAF or OPHC?

Is FRAF or OPHC more profitable?

Summary

How does OptimumBank compare to Western New England Bancorp?

Do analysts recommend OPHC or WNEB?

Which has higher earnings and valuation, OPHC or WNEB?

Is OPHC or WNEB more profitable?

Do insiders and institutionals believe in OPHC or WNEB?

Which has more volatility and risk, OPHC or WNEB?

Does the media prefer OPHC or WNEB?

Summary

How does OptimumBank compare to First United?

Is FUNC or OPHC more profitable?

Do analysts rate FUNC or OPHC?

Do institutionals and insiders believe in FUNC or OPHC?

Does the media favor FUNC or OPHC?

Which has better earnings and valuation, FUNC or OPHC?

Which has more volatility and risk, FUNC or OPHC?

Summary

How does OptimumBank compare to Hawthorn Bancshares?

Which has preferable earnings and valuation, HWBK or OPHC?

Which has more volatility & risk, HWBK or OPHC?

Do analysts recommend HWBK or OPHC?

Is HWBK or OPHC more profitable?

Does the media favor HWBK or OPHC?

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

Summary

How does OptimumBank compare to Blue Foundry Bancorp?

Is BLFY or OPHC more profitable?

Which has more volatility and risk, BLFY or OPHC?

Does the media favor BLFY or OPHC?

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

Which has stronger valuation and earnings, BLFY or OPHC?

Do analysts recommend BLFY or OPHC?

Summary

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