OPHC Quote, Financials, Valuation and Earnings

Bar Harbor Bankshares has a net margin of 23.62% compared to OptimumBank Holdings, Inc.'s net margin of 13.32%. OptimumBank Holdings, Inc.'s return on equity of 14.8% beat Bar Harbor Bankshares's return on equity of 7.61%.

OptimumBank Holdings, Inc. has a consensus price target of $5.00, signalling upside risk potential of 4.82%. On the other hand Bar Harbor Bankshares has an analysts' consensus of $35.00 which suggests that it could grow by 1.39%. Given that OptimumBank Holdings, Inc. has higher upside potential than Bar Harbor Bankshares, analysts believe OptimumBank Holdings, Inc. is more attractive than Bar Harbor Bankshares.

OptimumBank Holdings, Inc. has a beta of 0.272, which suggesting that the stock is 72.848% less volatile than S&P 500. In comparison Bar Harbor Bankshares has a beta of 0.661, suggesting its less volatile than the S&P 500 by 33.868%.

OptimumBank Holdings, Inc. has a quarterly dividend of $0.00 per share corresponding to a yield of 0%. Bar Harbor Bankshares offers a yield of 3.65% to investors and pays a quarterly dividend of $0.32 per share. OptimumBank Holdings, Inc. pays -- of its earnings as a dividend. Bar Harbor Bankshares pays out 41.49% of its earnings as a dividend. Bar Harbor Bankshares's payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.

OptimumBank Holdings, Inc. quarterly revenues are $18.3M, which are smaller than Bar Harbor Bankshares quarterly revenues of $66.5M. OptimumBank Holdings, Inc.'s net income of $4.3M is lower than Bar Harbor Bankshares's net income of $8.9M. Notably, OptimumBank Holdings, Inc.'s price-to-earnings ratio is 4.15x while Bar Harbor Bankshares's PE ratio is 14.88x. 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 1.03x versus 2.31x for Bar Harbor Bankshares. Usually stocks with elevated PS ratios are considered overvalued.

Blue Ridge Bankshares, Inc. (Virginia) has a net margin of 23.62% compared to OptimumBank Holdings, Inc.'s net margin of 14.05%. OptimumBank Holdings, Inc.'s return on equity of 14.8% beat Blue Ridge Bankshares, Inc. (Virginia)'s return on equity of 1.31%.

OptimumBank Holdings, Inc. has a consensus price target of $5.00, signalling upside risk potential of 4.82%. On the other hand Blue Ridge Bankshares, Inc. (Virginia) has an analysts' consensus of -- which suggests that it could fall by --. Given that OptimumBank Holdings, Inc. has higher upside potential than Blue Ridge Bankshares, Inc. (Virginia), analysts believe OptimumBank Holdings, Inc. is more attractive than Blue Ridge Bankshares, Inc. (Virginia).

OptimumBank Holdings, Inc. has a beta of 0.272, which suggesting that the stock is 72.848% less volatile than S&P 500. In comparison Blue Ridge Bankshares, Inc. (Virginia) has a beta of 0.855, suggesting its less volatile than the S&P 500 by 14.509%.

OptimumBank Holdings, Inc. has a quarterly dividend of $0.00 per share corresponding to a yield of 0%. Blue Ridge Bankshares, Inc. (Virginia) offers a yield of 0% to investors and pays a quarterly dividend of $0.25 per share. OptimumBank Holdings, Inc. pays -- of its earnings as a dividend. Blue Ridge Bankshares, Inc. (Virginia) pays out -- of its earnings as a dividend.

OptimumBank Holdings, Inc. quarterly revenues are $18.3M, which are smaller than Blue Ridge Bankshares, Inc. (Virginia) quarterly revenues of $39.9M. OptimumBank Holdings, Inc.'s net income of $4.3M is lower than Blue Ridge Bankshares, Inc. (Virginia)'s net income of $5.6M. Notably, OptimumBank Holdings, Inc.'s price-to-earnings ratio is 4.15x while Blue Ridge Bankshares, Inc. (Virginia)'s PE ratio is 109.85x. 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 1.03x versus 2.55x for Blue Ridge Bankshares, Inc. (Virginia). Usually stocks with elevated PS ratios are considered overvalued.

Park National Corp. has a net margin of 23.62% compared to OptimumBank Holdings, Inc.'s net margin of 27.82%. OptimumBank Holdings, Inc.'s return on equity of 14.8% beat Park National Corp.'s return on equity of 13.78%.

OptimumBank Holdings, Inc. has a consensus price target of $5.00, signalling upside risk potential of 4.82%. On the other hand Park National Corp. has an analysts' consensus of $180.33 which suggests that it could grow by 7.97%. Given that Park National Corp. has higher upside potential than OptimumBank Holdings, Inc., analysts believe Park National Corp. is more attractive than OptimumBank Holdings, Inc..

OptimumBank Holdings, Inc. has a beta of 0.272, which suggesting that the stock is 72.848% less volatile than S&P 500. In comparison Park National Corp. has a beta of 0.733, suggesting its less volatile than the S&P 500 by 26.676%.

OptimumBank Holdings, Inc. has a quarterly dividend of $0.00 per share corresponding to a yield of 0%. Park National Corp. offers a yield of 2.56% to investors and pays a quarterly dividend of $2.32 per share. OptimumBank Holdings, Inc. pays -- of its earnings as a dividend. Park National Corp. pays out 45.49% of its earnings as a dividend. Park National Corp.'s payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.

OptimumBank Holdings, Inc. quarterly revenues are $18.3M, which are smaller than Park National Corp. quarterly revenues of $169.5M. OptimumBank Holdings, Inc.'s net income of $4.3M is lower than Park National Corp.'s net income of $47.2M. Notably, OptimumBank Holdings, Inc.'s price-to-earnings ratio is 4.15x while Park National Corp.'s PE ratio is 15.39x. 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 1.03x versus 4.10x for Park National Corp.. Usually stocks with elevated PS ratios are considered overvalued.

Tompkins Financial Corp. has a net margin of 23.62% compared to OptimumBank Holdings, Inc.'s net margin of 19.46%. OptimumBank Holdings, Inc.'s return on equity of 14.8% beat Tompkins Financial Corp.'s return on equity of 11.34%.

OptimumBank Holdings, Inc. has a consensus price target of $5.00, signalling upside risk potential of 4.82%. On the other hand Tompkins Financial Corp. has an analysts' consensus of $78.00 which suggests that it could fall by -1.35%. Given that OptimumBank Holdings, Inc. has higher upside potential than Tompkins Financial Corp., analysts believe OptimumBank Holdings, Inc. is more attractive than Tompkins Financial Corp..

OptimumBank Holdings, Inc. has a beta of 0.272, which suggesting that the stock is 72.848% less volatile than S&P 500. In comparison Tompkins Financial Corp. has a beta of 0.799, suggesting its less volatile than the S&P 500 by 20.13%.

OptimumBank Holdings, Inc. has a quarterly dividend of $0.00 per share corresponding to a yield of 0%. Tompkins Financial Corp. offers a yield of 3.17% to investors and pays a quarterly dividend of $0.65 per share. OptimumBank Holdings, Inc. pays -- of its earnings as a dividend. Tompkins Financial Corp. pays out 49.14% of its earnings as a dividend. Tompkins Financial Corp.'s payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.

OptimumBank Holdings, Inc. quarterly revenues are $18.3M, which are smaller than Tompkins Financial Corp. quarterly revenues of $121.7M. OptimumBank Holdings, Inc.'s net income of $4.3M is lower than Tompkins Financial Corp.'s net income of $23.7M. Notably, OptimumBank Holdings, Inc.'s price-to-earnings ratio is 4.15x while Tompkins Financial Corp.'s PE ratio is 13.41x. 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 1.03x versus 2.44x for Tompkins Financial Corp.. Usually stocks with elevated PS ratios are considered overvalued.