OptimumBank Holdings, Inc. (OPHC) vs Patriot National Bancorp Inc. (PNBK)
OptimumBank Holdings, Inc. and Patriot National Bancorp Inc. are both Banks Regional companies. OptimumBank Holdings, Inc. and Patriot National Bancorp Inc. are of similar size ($117.0M and $109.8M). Patriot National 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 15.6%. OptimumBank Holdings, Inc. has the higher net margin (24.7% vs −9.76%) and the higher return on invested capital (62.5% vs 0.00%). Across the 16 metrics below, OptimumBank Holdings, Inc. leads on 12 and Patriot National Bancorp Inc. on 4.
Valuation
Profitability
| Metric | OPHC | PNBK | Banks Regional median |
|---|---|---|---|
| Gross margin | 70.90% | 58.32% | 69.57% |
| Operating margin | 0.00% | 0.00% | 0.00% |
| Net margin | 24.72% | (9.76%) | 18.66% |
| Free cash flow margin | 31.39% | (27.60%) | 21.18% |
| Return on equity | 16.68% | (8.72%) | 10.64% |
| Return on assets | 1.71% | (0.58%) | 1.13% |
| Return on invested capital | 62.53% | 0.00% | 8.33% |
Growth
Health
Dividend
Size
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