OPHC Quote, Financials, Valuation and Earnings

Bar Harbor Bankshares has a net margin of 36.31% compared to OptimumBank Holdings's net margin of 27.38%. OptimumBank Holdings's return on equity of 15.42% beat Bar Harbor Bankshares's return on equity of 9.66%.

OptimumBank Holdings has a consensus price target of $5.00, signalling upside risk potential of 13.38%. On the other hand Bar Harbor Bankshares has an analysts' consensus of $32.50 which suggests that it could grow by 10.24%. Given that OptimumBank Holdings has higher upside potential than Bar Harbor Bankshares, analysts believe OptimumBank Holdings is more attractive than Bar Harbor Bankshares.

OptimumBank Holdings has a beta of 0.455, which suggesting that the stock is 54.491% less volatile than S&P 500. In comparison Bar Harbor Bankshares has a beta of 0.687, suggesting its less volatile than the S&P 500 by 31.289%.

OptimumBank Holdings has a quarterly dividend of $0.00 per share corresponding to a yield of 0%. Bar Harbor Bankshares offers a yield of 4.14% to investors and pays a quarterly dividend of $0.32 per share. OptimumBank Holdings pays -- of its earnings as a dividend. Bar Harbor Bankshares pays out 40.85% 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 quarterly revenues are $10.7M, which are smaller than Bar Harbor Bankshares quarterly revenues of $37.3M. OptimumBank Holdings's net income of $3.9M is lower than Bar Harbor Bankshares's net income of $10.2M. Notably, OptimumBank Holdings's price-to-earnings ratio is 3.32x while Bar Harbor Bankshares's PE ratio is 10.34x. 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 is 1.18x versus 3.00x for Bar Harbor Bankshares. Usually stocks with elevated PS ratios are considered overvalued.

Blue Ridge Bankshares has a net margin of 36.31% compared to OptimumBank Holdings's net margin of -1.97%. OptimumBank Holdings's return on equity of 15.42% beat Blue Ridge Bankshares's return on equity of -4.28%.

OptimumBank Holdings has a consensus price target of $5.00, signalling upside risk potential of 13.38%. On the other hand Blue Ridge Bankshares has an analysts' consensus of -- which suggests that it could fall by --. Given that OptimumBank Holdings has higher upside potential than Blue Ridge Bankshares, analysts believe OptimumBank Holdings is more attractive than Blue Ridge Bankshares.

OptimumBank Holdings has a beta of 0.455, which suggesting that the stock is 54.491% less volatile than S&P 500. In comparison Blue Ridge Bankshares has a beta of 0.759, suggesting its less volatile than the S&P 500 by 24.118%.

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

OptimumBank Holdings quarterly revenues are $10.7M, which are smaller than Blue Ridge Bankshares quarterly revenues of $22.1M. OptimumBank Holdings's net income of $3.9M is higher than Blue Ridge Bankshares's net income of -$434K. Notably, OptimumBank Holdings's price-to-earnings ratio is 3.32x while Blue Ridge Bankshares's PE ratio is --. 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 is 1.18x versus 2.88x for Blue Ridge Bankshares. Usually stocks with elevated PS ratios are considered overvalued.

Park National has a net margin of 36.31% compared to OptimumBank Holdings's net margin of 32.4%. OptimumBank Holdings's return on equity of 15.42% beat Park National's return on equity of 12.97%.

OptimumBank Holdings has a consensus price target of $5.00, signalling upside risk potential of 13.38%. On the other hand Park National has an analysts' consensus of $169.00 which suggests that it could grow by 3.92%. Given that OptimumBank Holdings has higher upside potential than Park National, analysts believe OptimumBank Holdings is more attractive than Park National.

OptimumBank Holdings has a beta of 0.455, which suggesting that the stock is 54.491% less volatile than S&P 500. In comparison Park National has a beta of 0.786, suggesting its less volatile than the S&P 500 by 21.434%.

OptimumBank Holdings has a quarterly dividend of $0.00 per share corresponding to a yield of 0%. Park National offers a yield of 2.62% to investors and pays a quarterly dividend of $1.07 per share. OptimumBank Holdings pays -- of its earnings as a dividend. Park National pays out 51.18% of its earnings as a dividend. Park National's payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.

OptimumBank Holdings quarterly revenues are $10.7M, which are smaller than Park National quarterly revenues of $130.1M. OptimumBank Holdings's net income of $3.9M is lower than Park National's net income of $42.2M. Notably, OptimumBank Holdings's price-to-earnings ratio is 3.32x while Park National's PE ratio is 16.70x. 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 is 1.18x versus 5.00x for Park National. Usually stocks with elevated PS ratios are considered overvalued.

Tompkins Financial has a net margin of 36.31% compared to OptimumBank Holdings's net margin of 24.09%. OptimumBank Holdings's return on equity of 15.42% beat Tompkins Financial's return on equity of 10.46%.

OptimumBank Holdings has a consensus price target of $5.00, signalling upside risk potential of 13.38%. On the other hand Tompkins Financial has an analysts' consensus of $72.50 which suggests that it could grow by 17.37%. Given that Tompkins Financial has higher upside potential than OptimumBank Holdings, analysts believe Tompkins Financial is more attractive than OptimumBank Holdings.

OptimumBank Holdings has a beta of 0.455, which suggesting that the stock is 54.491% less volatile than S&P 500. In comparison Tompkins Financial has a beta of 0.888, suggesting its less volatile than the S&P 500 by 11.218%.

OptimumBank Holdings has a quarterly dividend of $0.00 per share corresponding to a yield of 0%. Tompkins Financial offers a yield of 4% to investors and pays a quarterly dividend of $0.62 per share. OptimumBank Holdings pays -- of its earnings as a dividend. Tompkins Financial pays out 49.47% of its earnings as a dividend. Tompkins Financial's payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.

OptimumBank Holdings quarterly revenues are $10.7M, which are smaller than Tompkins Financial quarterly revenues of $81.7M. OptimumBank Holdings's net income of $3.9M is lower than Tompkins Financial's net income of $19.7M. Notably, OptimumBank Holdings's price-to-earnings ratio is 3.32x while Tompkins Financial's PE ratio is 12.02x. 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 is 1.18x versus 2.89x for Tompkins Financial. Usually stocks with elevated PS ratios are considered overvalued.