OptimumBank Holdings, Inc. (OPHC) vs Provident Financial Holdings, Inc. (PROV)
OptimumBank Holdings, Inc. and Provident Financial Holdings, Inc. are both Banks Regional companies. OptimumBank Holdings, Inc. and Provident Financial Holdings, Inc. are of similar size ($117.0M and $114.5M). OptimumBank Holdings, Inc. trades at the lower P/E: 5.6× against 17.7×. OptimumBank Holdings, Inc. grew revenue faster over the last twelve months: 24.1% against −0.90%. OptimumBank Holdings, Inc. has the higher net margin (24.7% vs 11.2%) and the higher return on invested capital (62.5% vs 2.57%). Both pay a dividend; Provident Financial Holdings, Inc. yields more (3.92% vs 0.74%). Across the 20 metrics below, OptimumBank Holdings, Inc. leads on 16 and Provident Financial Holdings, Inc. on 4.
Valuation
Profitability
| Metric | OPHC | PROV | Banks Regional median |
|---|---|---|---|
| Gross margin | 70.90% | 67.19% | 69.57% |
| Operating margin | 0.00% | 0.00% | 0.00% |
| Net margin | 24.72% | 11.16% | 18.66% |
| Free cash flow margin | 31.39% | 14.32% | 21.18% |
| Return on equity | 16.68% | 5.22% | 10.64% |
| Return on assets | 1.71% | 0.54% | 1.13% |
| Return on invested capital | 62.53% | 2.57% | 8.33% |
Growth
Health
Dividend
Size
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