OptimumBank Holdings, Inc. (OPHC) vs Pathfinder Bancorp, Inc. (PBHC)
- OptimumBank Holdings, Inc. OPHC 8.79 −1.79%
- Pathfinder Bancorp, Inc. PBHC 17.08 +2.28%
OptimumBank Holdings, Inc. and Pathfinder Bancorp, Inc. are both Banks Regional companies. OptimumBank Holdings, Inc. and Pathfinder Bancorp, Inc. are of similar size ($113.0M and $106.5M). Pathfinder Bancorp, Inc. has negative trailing earnings, so its P/E is not meaningful; OptimumBank Holdings, Inc. trades at 5.6×. OptimumBank Holdings, Inc. grew revenue faster over the last twelve months: 24.1% against −8.03%. OptimumBank Holdings, Inc. has the higher net margin (24.7% vs 0.20%) and the higher return on invested capital (62.5% vs −1.09%). Across the 16 metrics below, OptimumBank Holdings, Inc. leads on 13 and Pathfinder Bancorp, Inc. on 3.
Valuation
Profitability
| Metric | OPHC | PBHC | Banks Regional median |
|---|---|---|---|
| Gross margin | 70.90% | 61.13% | 69.55% |
| Operating margin | 0.00% | 0.00% | 0.00% |
| Net margin | 24.72% | 0.20% | 18.66% |
| Free cash flow margin | 31.39% | 13.98% | 21.11% |
| Return on equity | 16.68% | 0.13% | 10.65% |
| Return on assets | 1.71% | 0.01% | 1.13% |
| Return on invested capital | 62.53% | (1.09%) | 8.35% |
Growth
Health
Dividend
Size
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