OptimumBank Holdings, Inc. (OPHC) vs Union Bankshares, Inc. (UNB)

OptimumBank Holdings, Inc. and Union Bankshares, Inc. are both Banks Regional companies. OptimumBank Holdings, Inc. and Union Bankshares, Inc. are of similar size ($117.0M and $116.2M). OptimumBank Holdings, Inc. trades at the lower P/E: 5.6× against 9.0×. OptimumBank Holdings, Inc. grew revenue faster over the last twelve months: 24.1% against 9.68%. OptimumBank Holdings, Inc. has the higher net margin (24.7% vs 13.4%) and the higher return on invested capital (62.5% vs 12.4%). Both pay a dividend; Union Bankshares, Inc. yields more (4.93% vs 0.74%). Across the 20 metrics below, OptimumBank Holdings, Inc. leads on 14 and Union Bankshares, Inc. on 6.

Valuation

Metric OPHC UNB Banks Regional median
P/E 5.60 9.04 12.15
P/S 1.76 1.25 2.37
P/B 1.09 1.25 1.21
Price to free cash flow 5.62 5.30 10.80
EV/EBITDA n/m n/m —
EV/Sales 0.47 1.00 2.27
Earnings yield 17.85% 11.06% 8.11%
Free cash flow yield 17.80% 18.85% 8.98%

Profitability

Metric OPHC UNB Banks Regional median
Gross margin 70.90% 63.32% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 24.72% 13.40% 18.66%
Free cash flow margin 31.39% 23.57% 21.18%
Return on equity 16.68% 14.98% 10.64%
Return on assets 1.71% 0.80% 1.13%
Return on invested capital 62.53% 12.37% 8.33%

Growth

Metric OPHC UNB Banks Regional median
Revenue growth (TTM) 24.09% 9.68% 6.61%
EPS growth (last fiscal year) 7.02% 25.26% —
Revenue growth, 5-year CAGR 58.98% 10.59% 12.30%
Net income growth, 5-year CAGR 0.00% (2.85%) 9.71%

Health

Metric OPHC UNB Banks Regional median
Debt to equity 0.29 0.18 0.22
Current ratio 1.12 0.80 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric OPHC UNB Banks Regional median
Dividend yield 0.74% 4.93% 3.75%
Payout ratio 0.00 0.50 0.27

Size

Metric OPHC UNB Banks Regional median
Market cap 117.01m 116.23m 921.07m

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