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OPHC Quote, Financials, Valuation and Earnings
Last price:
$5.40
Seasonality move
:
-7.06%
Day range:
$5.31 - $5.49
52-week range:
$3.53 - $5.59
Dividend yield:
0%
P/E ratio:
5.44x
P/S ratio:
1.36x
P/B ratio:
0.52x
Volume:
47.5K
Avg. volume:
31.4K
1-year change:
24.09%
Market cap:
$63M
Revenue:
$71.1M
EPS (TTM):
$1.00
Price Performance History
Performance vs. Valuation Benchmarks
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Competitors
| Company | Revenue Forecast | Earnings Forecast | Revenue Growth Forecast | Earnings Growth Forecast | Analyst Price Target Median |
|---|---|---|---|---|---|
|
OPHC
OptimumBank Holdings, Inc.
|
-- | -$0.03 | -- | -- | $6.00 |
|
ABCB
Ameris Bancorp
|
$310.5M | $1.58 | -16.01% | 22.33% | $90.07 |
|
AROW
Arrow Financial Corp.
|
$43.3M | $0.80 | -24.75% | 108.72% | $34.50 |
|
ASB
Associated Banc-Corp
|
$382.3M | $0.70 | -34.19% | 16.51% | $30.20 |
|
ASRV
AmeriServ Financial, Inc.
|
-- | -- | -- | -- | -- |
|
ATLO
Ames National Corp.
|
-- | -- | -- | -- | -- |
| Company | Price | Analyst Target | Market Cap | P/E Ratio | Dividend per Share | Dividend Yield | Price / LTM Sales |
|---|---|---|---|---|---|---|---|
|
OPHC
OptimumBank Holdings, Inc.
|
$5.46 | $6.00 | $63M | 5.44x | $0.00 | 0% | 1.36x |
|
ABCB
Ameris Bancorp
|
$79.32 | $90.07 | $5.4B | 13.22x | $0.20 | 1.01% | 3.33x |
|
AROW
Arrow Financial Corp.
|
$33.52 | $34.50 | $551.2M | 12.59x | $0.30 | 3.46% | 2.28x |
|
ASB
Associated Banc-Corp
|
$26.58 | $30.20 | $4.4B | 9.61x | $0.24 | 3.54% | 1.80x |
|
ASRV
AmeriServ Financial, Inc.
|
$3.82 | -- | $64.8M | 11.25x | $0.03 | 3.14% | 0.71x |
|
ATLO
Ames National Corp.
|
$27.21 | -- | $241M | 12.74x | $0.24 | 3.09% | 2.46x |
| Company | Total Debt / Total Capital | Beta | Debt to Equity | Quick Ratio |
|---|---|---|---|---|
|
OPHC
OptimumBank Holdings, Inc.
|
30.2% | 0.060 | 107.6% | 0.00x |
|
ABCB
Ameris Bancorp
|
15.42% | 1.202 | 14.71% | 0.00x |
|
AROW
Arrow Financial Corp.
|
6.33% | 0.526 | 5.65% | 0.00x |
|
ASB
Associated Banc-Corp
|
45.83% | 1.022 | 94.17% | 0.00x |
|
ASRV
AmeriServ Financial, Inc.
|
27.22% | 1.162 | 84.65% | 0.00x |
|
ATLO
Ames National Corp.
|
22.44% | 0.543 | 29.58% | 0.00x |
| Company | Gross Profit | Operating Income | Return on Invested Capital | Return on Common Equity | EBIT Margin | Free Cash Flow |
|---|---|---|---|---|---|---|
|
OPHC
OptimumBank Holdings, Inc.
|
-- | $6.5M | 12.15% | 14.83% | 62.92% | $6.3M |
|
ABCB
Ameris Bancorp
|
-- | $141.1M | 9.28% | 10.52% | 59.43% | $101.2M |
|
AROW
Arrow Financial Corp.
|
-- | $16.8M | 9.8% | 10.65% | 57.62% | $14.3M |
|
ASB
Associated Banc-Corp
|
-- | $162.1M | 5.43% | 9.88% | 63.54% | $133.9M |
|
ASRV
AmeriServ Financial, Inc.
|
-- | $1.7M | 2.91% | 4.99% | 39.53% | $1.2M |
|
ATLO
Ames National Corp.
|
-- | $8.3M | 7.13% | 9.92% | 60.12% | $2.7M |
OptimumBank Holdings, Inc. vs. Competitors
-
Which has Higher Returns OPHC or ABCB?
Ameris Bancorp has a net margin of 25.39% compared to OptimumBank Holdings, Inc.'s net margin of 25.37%. OptimumBank Holdings, Inc.'s return on equity of 14.83% beat Ameris Bancorp's return on equity of 10.52%.
Company Gross Margin Earnings Per Share Invested Capital OPHCOptimumBank Holdings, Inc.-- $0.21 $174.6M ABCBAmeris Bancorp-- $1.59 $4.8B -
What do Analysts Say About OPHC or ABCB?
OptimumBank Holdings, Inc. has a consensus price target of $6.00, signalling upside risk potential of 9.89%. On the other hand Ameris Bancorp has an analysts' consensus of $90.07 which suggests that it could grow by 13.56%. Given that Ameris Bancorp has higher upside potential than OptimumBank Holdings, Inc., analysts believe Ameris Bancorp is more attractive than OptimumBank Holdings, Inc..
Company Buy Ratings Hold Ratings Sell Ratings OPHCOptimumBank Holdings, Inc.0 1 0 ABCBAmeris Bancorp2 2 0 -
Is OPHC or ABCB More Risky?
OptimumBank Holdings, Inc. has a beta of 0.266, which suggesting that the stock is 73.363% less volatile than S&P 500. In comparison Ameris Bancorp has a beta of 0.973, suggesting its less volatile than the S&P 500 by 2.676%.
-
Which is a Better Dividend Stock OPHC or ABCB?
OptimumBank Holdings, Inc. has a quarterly dividend of $0.00 per share corresponding to a yield of 0%. Ameris Bancorp offers a yield of 1.01% to investors and pays a quarterly dividend of $0.20 per share. OptimumBank Holdings, Inc. pays -- of its earnings as a dividend. Ameris Bancorp pays out 13.34% of its earnings as a dividend. Ameris Bancorp's payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.
-
Which has Better Financial Ratios OPHC or ABCB?
OptimumBank Holdings, Inc. quarterly revenues are $19.1M, which are smaller than Ameris Bancorp quarterly revenues of $427.2M. OptimumBank Holdings, Inc.'s net income of $4.9M is lower than Ameris Bancorp's net income of $108.4M. Notably, OptimumBank Holdings, Inc.'s price-to-earnings ratio is 5.44x while Ameris Bancorp's PE ratio is 13.22x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for OptimumBank Holdings, Inc. is 1.36x versus 3.33x for Ameris Bancorp. Usually stocks with elevated PS ratios are considered overvalued.
Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income OPHCOptimumBank Holdings, Inc.1.36x 5.44x $19.1M $4.9M ABCBAmeris Bancorp3.33x 13.22x $427.2M $108.4M
-
Which has Higher Returns OPHC or AROW?
Arrow Financial Corp. has a net margin of 25.39% compared to OptimumBank Holdings, Inc.'s net margin of 22.29%. OptimumBank Holdings, Inc.'s return on equity of 14.83% beat Arrow Financial Corp.'s return on equity of 10.65%.
Company Gross Margin Earnings Per Share Invested Capital OPHCOptimumBank Holdings, Inc.-- $0.21 $174.6M AROWArrow Financial Corp.-- $0.85 $461M -
What do Analysts Say About OPHC or AROW?
OptimumBank Holdings, Inc. has a consensus price target of $6.00, signalling upside risk potential of 9.89%. On the other hand Arrow Financial Corp. has an analysts' consensus of $34.50 which suggests that it could grow by 2.92%. Given that OptimumBank Holdings, Inc. has higher upside potential than Arrow Financial Corp., analysts believe OptimumBank Holdings, Inc. is more attractive than Arrow Financial Corp..
Company Buy Ratings Hold Ratings Sell Ratings OPHCOptimumBank Holdings, Inc.0 1 0 AROWArrow Financial Corp.0 1 0 -
Is OPHC or AROW More Risky?
OptimumBank Holdings, Inc. has a beta of 0.266, which suggesting that the stock is 73.363% less volatile than S&P 500. In comparison Arrow Financial Corp. has a beta of 0.811, suggesting its less volatile than the S&P 500 by 18.873%.
-
Which is a Better Dividend Stock OPHC or AROW?
OptimumBank Holdings, Inc. has a quarterly dividend of $0.00 per share corresponding to a yield of 0%. Arrow Financial Corp. offers a yield of 3.46% to investors and pays a quarterly dividend of $0.30 per share. OptimumBank Holdings, Inc. pays -- of its earnings as a dividend. Arrow Financial Corp. pays out 43.02% of its earnings as a dividend. Arrow Financial Corp.'s payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.
-
Which has Better Financial Ratios OPHC or AROW?
OptimumBank Holdings, Inc. quarterly revenues are $19.1M, which are smaller than Arrow Financial Corp. quarterly revenues of $62.9M. OptimumBank Holdings, Inc.'s net income of $4.9M is lower than Arrow Financial Corp.'s net income of $14M. Notably, OptimumBank Holdings, Inc.'s price-to-earnings ratio is 5.44x while Arrow Financial Corp.'s PE ratio is 12.59x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for OptimumBank Holdings, Inc. is 1.36x versus 2.28x for Arrow Financial Corp.. Usually stocks with elevated PS ratios are considered overvalued.
Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income OPHCOptimumBank Holdings, Inc.1.36x 5.44x $19.1M $4.9M AROWArrow Financial Corp.2.28x 12.59x $62.9M $14M
-
Which has Higher Returns OPHC or ASB?
Associated Banc-Corp has a net margin of 25.39% compared to OptimumBank Holdings, Inc.'s net margin of 21.83%. OptimumBank Holdings, Inc.'s return on equity of 14.83% beat Associated Banc-Corp's return on equity of 9.88%.
Company Gross Margin Earnings Per Share Invested Capital OPHCOptimumBank Holdings, Inc.-- $0.21 $174.6M ASBAssociated Banc-Corp-- $0.80 $9.2B -
What do Analysts Say About OPHC or ASB?
OptimumBank Holdings, Inc. has a consensus price target of $6.00, signalling upside risk potential of 9.89%. On the other hand Associated Banc-Corp has an analysts' consensus of $30.20 which suggests that it could grow by 13.62%. Given that Associated Banc-Corp has higher upside potential than OptimumBank Holdings, Inc., analysts believe Associated Banc-Corp is more attractive than OptimumBank Holdings, Inc..
Company Buy Ratings Hold Ratings Sell Ratings OPHCOptimumBank Holdings, Inc.0 1 0 ASBAssociated Banc-Corp1 8 0 -
Is OPHC or ASB More Risky?
OptimumBank Holdings, Inc. has a beta of 0.266, which suggesting that the stock is 73.363% less volatile than S&P 500. In comparison Associated Banc-Corp has a beta of 0.796, suggesting its less volatile than the S&P 500 by 20.393%.
-
Which is a Better Dividend Stock OPHC or ASB?
OptimumBank Holdings, Inc. has a quarterly dividend of $0.00 per share corresponding to a yield of 0%. Associated Banc-Corp offers a yield of 3.54% to investors and pays a quarterly dividend of $0.24 per share. OptimumBank Holdings, Inc. pays -- of its earnings as a dividend. Associated Banc-Corp pays out 33.61% of its earnings as a dividend. Associated Banc-Corp's payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.
-
Which has Better Financial Ratios OPHC or ASB?
OptimumBank Holdings, Inc. quarterly revenues are $19.1M, which are smaller than Associated Banc-Corp quarterly revenues of $625.3M. OptimumBank Holdings, Inc.'s net income of $4.9M is lower than Associated Banc-Corp's net income of $136.5M. Notably, OptimumBank Holdings, Inc.'s price-to-earnings ratio is 5.44x while Associated Banc-Corp's PE ratio is 9.61x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for OptimumBank Holdings, Inc. is 1.36x versus 1.80x for Associated Banc-Corp. Usually stocks with elevated PS ratios are considered overvalued.
Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income OPHCOptimumBank Holdings, Inc.1.36x 5.44x $19.1M $4.9M ASBAssociated Banc-Corp1.80x 9.61x $625.3M $136.5M
-
Which has Higher Returns OPHC or ASRV?
AmeriServ Financial, Inc. has a net margin of 25.39% compared to OptimumBank Holdings, Inc.'s net margin of 6.4%. OptimumBank Holdings, Inc.'s return on equity of 14.83% beat AmeriServ Financial, Inc.'s return on equity of 4.99%.
Company Gross Margin Earnings Per Share Invested Capital OPHCOptimumBank Holdings, Inc.-- $0.21 $174.6M ASRVAmeriServ Financial, Inc.-- $0.09 $163.9M -
What do Analysts Say About OPHC or ASRV?
OptimumBank Holdings, Inc. has a consensus price target of $6.00, signalling upside risk potential of 9.89%. On the other hand AmeriServ Financial, Inc. has an analysts' consensus of -- which suggests that it could fall by --. Given that OptimumBank Holdings, Inc. has higher upside potential than AmeriServ Financial, Inc., analysts believe OptimumBank Holdings, Inc. is more attractive than AmeriServ Financial, Inc..
Company Buy Ratings Hold Ratings Sell Ratings OPHCOptimumBank Holdings, Inc.0 1 0 ASRVAmeriServ Financial, Inc.0 0 0 -
Is OPHC or ASRV More Risky?
OptimumBank Holdings, Inc. has a beta of 0.266, which suggesting that the stock is 73.363% less volatile than S&P 500. In comparison AmeriServ Financial, Inc. has a beta of 0.439, suggesting its less volatile than the S&P 500 by 56.117%.
-
Which is a Better Dividend Stock OPHC or ASRV?
OptimumBank Holdings, Inc. has a quarterly dividend of $0.00 per share corresponding to a yield of 0%. AmeriServ Financial, Inc. offers a yield of 3.14% to investors and pays a quarterly dividend of $0.03 per share. OptimumBank Holdings, Inc. pays -- of its earnings as a dividend. AmeriServ Financial, Inc. pays out 35.35% of its earnings as a dividend. AmeriServ Financial, Inc.'s payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.
-
Which has Better Financial Ratios OPHC or ASRV?
OptimumBank Holdings, Inc. quarterly revenues are $19.1M, which are smaller than AmeriServ Financial, Inc. quarterly revenues of $22.5M. OptimumBank Holdings, Inc.'s net income of $4.9M is higher than AmeriServ Financial, Inc.'s net income of $1.4M. Notably, OptimumBank Holdings, Inc.'s price-to-earnings ratio is 5.44x while AmeriServ Financial, Inc.'s PE ratio is 11.25x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for OptimumBank Holdings, Inc. is 1.36x versus 0.71x for AmeriServ Financial, Inc.. Usually stocks with elevated PS ratios are considered overvalued.
Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income OPHCOptimumBank Holdings, Inc.1.36x 5.44x $19.1M $4.9M ASRVAmeriServ Financial, Inc.0.71x 11.25x $22.5M $1.4M
-
Which has Higher Returns OPHC or ATLO?
Ames National Corp. has a net margin of 25.39% compared to OptimumBank Holdings, Inc.'s net margin of 24.97%. OptimumBank Holdings, Inc.'s return on equity of 14.83% beat Ames National Corp.'s return on equity of 9.92%.
Company Gross Margin Earnings Per Share Invested Capital OPHCOptimumBank Holdings, Inc.-- $0.21 $174.6M ATLOAmes National Corp.-- $0.73 $268M -
What do Analysts Say About OPHC or ATLO?
OptimumBank Holdings, Inc. has a consensus price target of $6.00, signalling upside risk potential of 9.89%. On the other hand Ames National Corp. has an analysts' consensus of -- which suggests that it could fall by --. Given that OptimumBank Holdings, Inc. has higher upside potential than Ames National Corp., analysts believe OptimumBank Holdings, Inc. is more attractive than Ames National Corp..
Company Buy Ratings Hold Ratings Sell Ratings OPHCOptimumBank Holdings, Inc.0 1 0 ATLOAmes National Corp.0 0 0 -
Is OPHC or ATLO More Risky?
OptimumBank Holdings, Inc. has a beta of 0.266, which suggesting that the stock is 73.363% less volatile than S&P 500. In comparison Ames National Corp. has a beta of 0.392, suggesting its less volatile than the S&P 500 by 60.771%.
-
Which is a Better Dividend Stock OPHC or ATLO?
OptimumBank Holdings, Inc. has a quarterly dividend of $0.00 per share corresponding to a yield of 0%. Ames National Corp. offers a yield of 3.09% to investors and pays a quarterly dividend of $0.24 per share. OptimumBank Holdings, Inc. pays -- of its earnings as a dividend. Ames National Corp. pays out 28.05% of its earnings as a dividend. Ames National Corp.'s payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.
-
Which has Better Financial Ratios OPHC or ATLO?
OptimumBank Holdings, Inc. quarterly revenues are $19.1M, which are smaller than Ames National Corp. quarterly revenues of $26.1M. OptimumBank Holdings, Inc.'s net income of $4.9M is lower than Ames National Corp.'s net income of $6.5M. Notably, OptimumBank Holdings, Inc.'s price-to-earnings ratio is 5.44x while Ames National Corp.'s PE ratio is 12.74x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for OptimumBank Holdings, Inc. is 1.36x versus 2.46x for Ames National Corp.. Usually stocks with elevated PS ratios are considered overvalued.
Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income OPHCOptimumBank Holdings, Inc.1.36x 5.44x $19.1M $4.9M ATLOAmes National Corp.2.46x 12.74x $26.1M $6.5M
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