Oportun Financial (OPRT) Competitors

Oportun Financial (NASDAQ:OPRT) and Northeast Bank (NASDAQ:NBN) are both small-cap finance companies, but which is the better business? We will compare the two businesses based on the strength of their valuation, risk, community ranking, profitability, institutional ownership, media sentiment, earnings, dividends and analyst recommendations.

Which has higher earnings and valuation, OPRT or NBN?

Northeast Bank has lower revenue, but higher earnings than Oportun Financial. Oportun Financial is trading at a lower price-to-earnings ratio than Northeast 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
Oportun Financial	$295.20M	0.63	-$78.70M	-$2.01	-2.55
Northeast Bank	$170.62M	3.95	$58.23M	$8.59	9.55

Does the media refer more to OPRT or NBN?

In the previous week, Northeast Bank had 6 more articles in the media than Oportun Financial. MarketBeat recorded 12 mentions for Northeast Bank and 6 mentions for Oportun Financial. Northeast Bank's average media sentiment score of 0.80 beat Oportun Financial's score of 0.60 indicating that Northeast Bank is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Oportun Financial	2 Very Positive mention(s)	0 Positive mention(s)	2 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
Northeast Bank	3 Very Positive mention(s)	3 Positive mention(s)	2 Neutral mention(s)	1 Negative mention(s)	0 Very Negative mention(s)	Positive

Is OPRT or NBN more profitable?

Northeast Bank has a net margin of 22.87% compared to Oportun Financial's net margin of -7.86%. Oportun Financial's return on equity of 5.49% beat Northeast Bank's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Oportun Financial	-7.86%	5.49%	0.60%
Northeast Bank	22.87%	N/A	N/A

Do analysts rate OPRT or NBN?

Oportun Financial currently has a consensus price target of $7.50, suggesting a potential upside of 46.48%. Northeast Bank has a consensus price target of $97.50, suggesting a potential upside of 18.86%. Given Oportun Financial's stronger consensus rating and higher possible upside, equities analysts clearly believe Oportun Financial is more favorable than Northeast Bank.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Oportun Financial	0 Sell rating(s)	2 Hold rating(s)	1 Buy rating(s)	1 Strong Buy rating(s)	2.75
Northeast Bank	0 Sell rating(s)	1 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	2.50

Does the MarketBeat Community favor OPRT or NBN?

Northeast Bank received 70 more outperform votes than Oportun Financial when rated by MarketBeat users. Likewise, 60.00% of users gave Northeast Bank an outperform vote while only 58.33% of users gave Oportun Financial an outperform vote.

Company	Underperform	Outperform
Oportun Financial	Outperform Votes 77 58.33%	Underperform Votes 55 41.67%
Northeast Bank	Outperform Votes 147 60.00%	Underperform Votes 98 40.00%

Do insiders and institutionals hold more shares of OPRT or NBN?

82.7% of Oportun Financial shares are owned by institutional investors. 9.3% of Oportun Financial shares are owned by company insiders. Comparatively, 14.2% of Northeast Bank shares are owned by company 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.

Which has more risk and volatility, OPRT or NBN?

Oportun Financial has a beta of 0.86, meaning that its stock price is 14% less volatile than the S&P 500. Comparatively, Northeast Bank has a beta of 0.85, meaning that its stock price is 15% less volatile than the S&P 500.

Summary

Northeast Bank beats Oportun Financial on 10 of the 18 factors compared between the two stocks.