OPHC Quote, Financials, Valuation and Earnings

Blue Ridge Bankshares has a net margin of 32.77% compared to OptimumBank Holdings's net margin of 4.33%. OptimumBank Holdings's return on equity of 14.69% beat Blue Ridge Bankshares's return on equity of -7.9%.

OptimumBank Holdings has a consensus price target of --, signalling upside risk potential of 10.76%. 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 0.365, which suggesting that the stock is 63.477% less volatile than S&P 500. In comparison Blue Ridge Bankshares has a beta of 0.772, suggesting its less volatile than the S&P 500 by 22.78%.

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 -8.96% of its earnings as a dividend.

OptimumBank Holdings quarterly revenues are $10.1M, which are smaller than Blue Ridge Bankshares quarterly revenues of $21.8M. OptimumBank Holdings's net income of $3.3M is higher than Blue Ridge Bankshares's net income of $946K. Notably, OptimumBank Holdings's price-to-earnings ratio is 3.59x 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 1.13x versus 1.30x for Blue Ridge Bankshares. Usually stocks with elevated PS ratios are considered overvalued.

Evans Bancorp has a net margin of 32.77% compared to OptimumBank Holdings's net margin of 16.32%. OptimumBank Holdings's return on equity of 14.69% beat Evans Bancorp's return on equity of 10.61%.

OptimumBank Holdings has a consensus price target of --, signalling upside risk potential of 10.76%. On the other hand Evans Bancorp has an analysts' consensus of $50.05 which suggests that it could grow by 16.97%. Given that Evans Bancorp has higher upside potential than OptimumBank Holdings, analysts believe Evans Bancorp is more attractive than OptimumBank Holdings.

OptimumBank Holdings has a beta of 0.365, which suggesting that the stock is 63.477% less volatile than S&P 500. In comparison Evans Bancorp has a beta of 0.927, suggesting its less volatile than the S&P 500 by 7.33%.

OptimumBank Holdings has a quarterly dividend of $0.00 per share corresponding to a yield of 0%. Evans Bancorp offers a yield of 3.09% to investors and pays a quarterly dividend of $0.66 per share. OptimumBank Holdings pays -- of its earnings as a dividend. Evans Bancorp pays out 29.45% of its earnings as a dividend. Evans Bancorp's payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.

OptimumBank Holdings quarterly revenues are $10.1M, which are smaller than Evans Bancorp quarterly revenues of $18M. OptimumBank Holdings's net income of $3.3M is higher than Evans Bancorp's net income of $2.9M. Notably, OptimumBank Holdings's price-to-earnings ratio is 3.59x while Evans Bancorp's PE ratio is 12.85x. 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 is 1.13x versus 2.83x for Evans Bancorp. Usually stocks with elevated PS ratios are considered overvalued.

Park National has a net margin of 32.77% compared to OptimumBank Holdings's net margin of 27.77%. OptimumBank Holdings's return on equity of 14.69% beat Park National's return on equity of 11.8%.

OptimumBank Holdings has a consensus price target of --, signalling upside risk potential of 10.76%. On the other hand Park National has an analysts' consensus of $181.00 which suggests that it could grow by 4.96%. 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 0.365, which suggesting that the stock is 63.477% less volatile than S&P 500. In comparison Park National has a beta of 0.739, suggesting its less volatile than the S&P 500 by 26.053%.

OptimumBank Holdings has a quarterly dividend of $0.00 per share corresponding to a yield of 0%. Park National offers a yield of 2.46% to investors and pays a quarterly dividend of $1.56 per share. OptimumBank Holdings pays -- of its earnings as a dividend. Park National pays out 54.41% 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 $10.1M, which are smaller than Park National quarterly revenues of $137.6M. OptimumBank Holdings's net income of $3.3M is lower than Park National's net income of $38.2M. Notably, OptimumBank Holdings's price-to-earnings ratio is 3.59x while Park National's PE ratio is 20.41x. 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 is 1.13x versus 5.63x for Park National. Usually stocks with elevated PS ratios are considered overvalued.

Tompkins Financial has a net margin of 32.77% compared to OptimumBank Holdings's net margin of 24.66%. OptimumBank Holdings's return on equity of 14.69% beat Tompkins Financial's return on equity of 9.88%.

OptimumBank Holdings has a consensus price target of --, signalling upside risk potential of 10.76%. On the other hand Tompkins Financial has an analysts' consensus of $83.00 which suggests that it could grow by 23.77%. 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 0.365, which suggesting that the stock is 63.477% less volatile than S&P 500. In comparison Tompkins Financial has a beta of 0.735, suggesting its less volatile than the S&P 500 by 26.471%.

OptimumBank Holdings has a quarterly dividend of $0.00 per share corresponding to a yield of 0%. Tompkins Financial offers a yield of 3.64% 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 363.09% of its earnings as a dividend.

OptimumBank Holdings quarterly revenues are $10.1M, which are smaller than Tompkins Financial quarterly revenues of $75.6M. OptimumBank Holdings's net income of $3.3M is lower than Tompkins Financial's net income of $18.6M. Notably, OptimumBank Holdings's price-to-earnings ratio is 3.59x while Tompkins Financial's PE ratio is 14.48x. 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 1.13x versus 3.31x for Tompkins Financial. Usually stocks with elevated PS ratios are considered overvalued.