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
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
Health
Dividend
Size
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