OptimumBank Holdings, Inc. (OPHC) vs Union Bankshares, Inc. (UNB)
- OptimumBank Holdings, Inc. OPHC 8.79 −1.79%
- Union Bankshares, Inc. UNB 23.03 +1.19%
OptimumBank Holdings, Inc. and Union Bankshares, Inc. are both Banks Regional companies. OptimumBank Holdings, Inc. and Union Bankshares, Inc. are of similar size ($113.0M and $112.6M). OptimumBank Holdings, Inc. trades at the lower P/E: 5.6× against 8.8×. 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%). Across the 18 metrics below, OptimumBank Holdings, Inc. leads on 13 and Union Bankshares, Inc. on 5.
Valuation
Profitability
| Metric | OPHC | UNB | Banks Regional median |
|---|---|---|---|
| Gross margin | 70.90% | 63.32% | 69.55% |
| Operating margin | 0.00% | 0.00% | 0.00% |
| Net margin | 24.72% | 13.40% | 18.66% |
| Free cash flow margin | 31.39% | 23.57% | 21.11% |
| Return on equity | 16.68% | 14.98% | 10.65% |
| Return on assets | 1.71% | 0.80% | 1.13% |
| Return on invested capital | 62.53% | 12.37% | 8.35% |
Growth
Health
Dividend
Size
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