OptimumBank Holdings, Inc. (OPHC) vs Sound Financial Bancorp, Inc. (SFBC)

OptimumBank Holdings, Inc. and Sound Financial Bancorp, Inc. are both Banks Regional companies. OptimumBank Holdings, Inc. and Sound Financial Bancorp, Inc. are of similar size ($118.1M and $117.0M). OptimumBank Holdings, Inc. trades at the lower P/E: 5.6× against 13.7×. OptimumBank Holdings, Inc. grew revenue faster over the last twelve months: 24.1% against −0.76%. OptimumBank Holdings, Inc. has the higher net margin (24.7% vs 12.8%) and the lower return on invested capital (62.5% vs 1,916.1%). Both pay a dividend; Sound Financial Bancorp, Inc. yields more (2.33% vs 0.74%). Across the 20 metrics below, OptimumBank Holdings, Inc. leads on 13 and Sound Financial Bancorp, Inc. on 7.

Valuation

Metric OPHC SFBC Banks Regional median
P/E 5.60 13.69 12.15
P/S 1.76 1.76 2.37
P/B 1.09 0.97 1.21
Price to free cash flow 5.62 14.94 10.80
EV/EBITDA n/m n/m —
EV/Sales 0.47 (0.04) 2.27
Earnings yield 17.85% 7.30% 8.11%
Free cash flow yield 17.80% 6.70% 8.98%

Profitability

Metric OPHC SFBC Banks Regional median
Gross margin 70.90% 64.69% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 24.72% 12.84% 18.66%
Free cash flow margin 31.39% 11.77% 21.18%
Return on equity 16.68% 7.33% 10.64%
Return on assets 1.71% 0.75% 1.13%
Return on invested capital 62.53% 1,916.08% 8.33%

Growth

Metric OPHC SFBC Banks Regional median
Revenue growth (TTM) 24.09% (0.76%) 6.61%
EPS growth (last fiscal year) 7.02% 53.89% —
Revenue growth, 5-year CAGR 58.98% 7.74% 12.30%
Net income growth, 5-year CAGR 0.00% (4.41%) 9.71%

Health

Metric OPHC SFBC Banks Regional median
Debt to equity 0.29 0.07 0.22
Current ratio 1.12 1.08 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric OPHC SFBC Banks Regional median
Dividend yield 0.74% 2.33% 3.75%
Payout ratio 0.00 0.17 0.27

Size

Metric OPHC SFBC Banks Regional median
Market cap 117.01m 118.13m 921.07m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack