OPHC
OptimumBank Holdings, Inc.
Banks - Regional
Market Cap$66M
5Y Perf.+197.3%
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Stock Comparison
OPHC vs FBIZ
Revenue, margins, valuation, and 5-year total return — side by side.
FBIZ
First Business Financial Services, Inc.
Banks - Regional
Market Cap$473M
5Y Perf.+242.7%
OPHC vs FBIZ — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | OPHC | FBIZ |
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $66M | $473M |
| Revenue (TTM) | $64M | $279M |
| Net Income (TTM) | $16M | $51M |
| Gross Margin | 57.7% | 57.3% |
| Operating Margin | 27.4% | 21.6% |
| Forward P/E | 4.2x | 9.1x |
| Total Debt | $103M | $259M |
| Cash & Equiv. | $94M | $31M |
OPHC vs FBIZ — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
OPHC
FBIZ
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| OptimumBank Holding… (OPHC) | 100 | 297.3 | +197.3% |
| First Business Fina… (FBIZ) | 100 | 342.7 | +242.7% |
Price return only. Dividends and distributions are not included.
Quick Verdict: OPHC vs FBIZ
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: OPHC leads in 6 of 7 categories, making it the strongest pick for growth and revenue expansion and valuation and capital efficiency. First Business Financial Services, Inc. is the stronger pick specifically for dividend income and shareholder returns. As sector peers, any of these can serve as alternatives in the same allocation.
OPHC
OptimumBank Holdings, Inc.
The Banking Pick
OPHC carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 2 yrs, beta 0.49
- Rev growth 63.8%, EPS growth 52.9%
- Lower volatility, beta 0.49, Low D/E 99.6%, current ratio 0.15x
Best for: income & stability and growth exposure
FBIZ
First Business Financial Services, Inc.
The Banking Pick
FBIZ is the clearest fit if your priority is long-term compounding.
- 161.7% 10Y total return vs OPHC's 35.3%
- 2.1% yield; 13-year raise streak; the other pay no meaningful dividend
Best for: long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | OPHC | 63.8% NII/revenue growth vs FBIZ's 6.4% |
| Value | OPHC | Lower P/E (4.2x vs 9.1x) |
| Quality / Margins | OPHC | Efficiency ratio 0.3% vs FBIZ's 0.4% (lower = leaner) |
| Stability / Safety | OPHC | Beta 0.49 vs FBIZ's 0.81 |
| Dividends | FBIZ | 2.1% yield; 13-year raise streak; the other pay no meaningful dividend |
| Momentum (1Y) | OPHC | +23.3% vs FBIZ's +21.0% |
| Efficiency (ROA) | OPHC | Efficiency ratio 0.3% vs FBIZ's 0.4% |
OPHC vs FBIZ — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLOPHCLAGGINGFBIZ
FBIZFirst Business Financ…
2leads
OPHCOptimumBank Holdings,…
4leads
6 Total Categories
CATEGORYLEADERvs FBIZMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
OPHC4/5
Valuation MetricsMultiples, price ratios, and targets
OPHC5/5
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
OPHC5/9
Total Returns1Y, 3Y, 5Y total returns with dividends
FBIZ4/6
Risk & VolatilityBeta, volatility, and downside exposure
OPHC2/2
Analyst OutlookRatings, price targets, and dividends
FBIZ1/1
Income & Cash Flow (Last 12 Months)
OPHC leads this category, winning 4 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
FBIZ is the larger business by revenue, generating $279M annually — 4.3x OPHC's $64M. Profitability is closely matched — net margins range from 20.4% (OPHC) to 18.0% (FBIZ).
| Metric | OPHCOptimumBank Holdi… | FBIZFirst Business Fi… |
|---|---|---|
| RevenueTrailing 12 months | $64M | $279M |
| EBITDAEarnings before interest/tax | $22M | $49M |
| Net IncomeAfter-tax profit | $16M | $51M |
| Free Cash FlowCash after capex | $17M | $53M |
| Gross MarginGross profit ÷ Revenue | +57.7% | +57.3% |
| Operating MarginEBIT ÷ Revenue | +27.4% | +21.6% |
| Net MarginNet income ÷ Revenue | +20.4% | +18.0% |
| FCF MarginFCF ÷ Revenue | +22.7% | +21.9% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +9.4% | +12.9% |
OPHC leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
OPHC leads this category, winning 5 of 5 comparable metrics.
Valuation Metrics
At 4.2x trailing earnings, OPHC trades at a 55% valuation discount to FBIZ's 9.4x P/E. On an enterprise value basis, OPHC's 4.1x EV/EBITDA is more attractive than FBIZ's 11.6x.
| Metric | OPHCOptimumBank Holdi… | FBIZFirst Business Fi… |
|---|---|---|
| Market CapShares × price | $66M | $473M |
| Enterprise ValueMkt cap + debt − cash | $75M | $702M |
| Trailing P/EPrice ÷ TTM EPS | 4.18x | 9.36x |
| Forward P/EPrice ÷ next-FY EPS est. | — | 9.15x |
| PEG RatioP/E ÷ EPS growth rate | — | 0.37x |
| EV / EBITDAEnterprise value multiple | 4.13x | 11.61x |
| Price / SalesMarket cap ÷ Revenue | 1.03x | 1.69x |
| Price / BookPrice ÷ Book value/share | 0.53x | 1.25x |
| Price / FCFMarket cap ÷ FCF | 4.52x | 7.74x |
OPHC leads this category, winning 5 of 5 comparable metrics.
Profitability & Efficiency
OPHC leads this category, winning 5 of 9 comparable metrics.
Profitability & Efficiency
FBIZ delivers a 14.1% return on equity — every $100 of shareholder capital generates $14 in annual profit, vs $13 for OPHC. FBIZ carries lower financial leverage with a 0.70x debt-to-equity ratio, signaling a more conservative balance sheet compared to OPHC's 1.00x. On the Piotroski fundamental quality scale (0–9), FBIZ scores 8/9 vs OPHC's 6/9, reflecting strong financial health.
| Metric | OPHCOptimumBank Holdi… | FBIZFirst Business Fi… |
|---|---|---|
| ROE (TTM)Return on equity | +13.5% | +14.1% |
| ROA (TTM)Return on assets | +1.5% | +1.2% |
| ROICReturn on invested capital | +6.6% | +7.0% |
| ROCEReturn on capital employed | +17.6% | +2.6% |
| Piotroski ScoreFundamental quality 0–9 | 6 | 8 |
| Debt / EquityFinancial leverage | 1.00x | 0.70x |
| Net DebtTotal debt minus cash | $9M | $229M |
| Cash & Equiv.Liquid assets | $94M | $31M |
| Total DebtShort + long-term debt | $103M | $259M |
| Interest CoverageEBIT ÷ Interest expense | 0.93x | 0.42x |
OPHC leads this category, winning 5 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
FBIZ leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in FBIZ five years ago would be worth $23,086 today (with dividends reinvested), compared to $15,343 for OPHC. Over the past 12 months, OPHC leads with a +23.3% total return vs FBIZ's +21.0%. The 3-year compound annual growth rate (CAGR) favors FBIZ at 33.2% vs OPHC's 20.9% — a key indicator of consistent wealth creation.
| Metric | OPHCOptimumBank Holdi… | FBIZFirst Business Fi… |
|---|---|---|
| YTD ReturnYear-to-date | +31.1% | +7.1% |
| 1-Year ReturnPast 12 months | +23.3% | +21.0% |
| 3-Year ReturnCumulative with dividends | +76.5% | +136.5% |
| 5-Year ReturnCumulative with dividends | +53.4% | +130.9% |
| 10-Year ReturnCumulative with dividends | +35.3% | +161.7% |
| CAGR (3Y)Annualised 3-year return | +20.9% | +33.2% |
FBIZ leads this category, winning 4 of 6 comparable metrics.
Risk & Volatility
OPHC leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
OPHC is the less volatile stock with a 0.49 beta — it tends to amplify market swings less than FBIZ's 0.81 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. OPHC currently trades 98.6% from its 52-week high vs FBIZ's 93.7% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | OPHCOptimumBank Holdi… | FBIZFirst Business Fi… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.49x | 0.81x |
| 52-Week HighHighest price in past year | $5.64 | $60.54 |
| 52-Week LowLowest price in past year | $3.91 | $45.90 |
| % of 52W HighCurrent price vs 52-week peak | +98.6% | +93.7% |
| RSI (14)Momentum oscillator 0–100 | 56.0 | 49.1 |
| Avg Volume (50D)Average daily shares traded | 32K | 39K |
OPHC leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
FBIZ leads this category, winning 1 of 1 comparable metric.
Analyst Outlook
FBIZ is the only dividend payer here at 2.09% yield — a key consideration for income-focused portfolios.
| Metric | OPHCOptimumBank Holdi… | FBIZFirst Business Fi… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Buy |
| Price TargetConsensus 12-month target | — | $67.00 |
| # AnalystsCovering analysts | — | 10 |
| Dividend YieldAnnual dividend ÷ price | — | +2.1% |
| Dividend StreakConsecutive years of raises | 2 | 13 |
| Dividend / ShareAnnual DPS | — | $1.19 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | +0.3% |
FBIZ leads this category, winning 1 of 1 comparable metric.
Key Takeaway
OPHC leads in 4 of 6 categories (Income & Cash Flow, Valuation Metrics). FBIZ leads in 2 (Total Returns, Analyst Outlook).
Best OverallOptimumBank Holdings, Inc. (OPHC)Leads 4 of 6 categories
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OPHC vs FBIZ: Frequently Asked Questions
9 questions · data-driven answers · updated daily
01Is OPHC or FBIZ a better buy right now?
For growth investors, OptimumBank Holdings, Inc.
(OPHC) is the stronger pick with 63. 8% revenue growth year-over-year, versus 6. 4% for First Business Financial Services, Inc. (FBIZ). OptimumBank Holdings, Inc. (OPHC) offers the better valuation at 4. 2x trailing P/E, making it the more compelling value choice. Analysts rate First Business Financial Services, Inc. (FBIZ) a "Buy" — based on 10 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — OPHC or FBIZ?
On trailing P/E, OptimumBank Holdings, Inc.
(OPHC) is the cheapest at 4. 2x versus First Business Financial Services, Inc. at 9. 4x.
03Which is the better long-term investment — OPHC or FBIZ?
Over the past 5 years, First Business Financial Services, Inc.
(FBIZ) delivered a total return of +130. 9%, compared to +53. 4% for OptimumBank Holdings, Inc. (OPHC). Over 10 years, the gap is even starker: FBIZ returned +161. 7% versus OPHC's +35. 3%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — OPHC or FBIZ?
By beta (market sensitivity over 5 years), OptimumBank Holdings, Inc.
(OPHC) is the lower-risk stock at 0. 49β versus First Business Financial Services, Inc. 's 0. 81β — meaning FBIZ is approximately 66% more volatile than OPHC relative to the S&P 500. On balance sheet safety, First Business Financial Services, Inc. (FBIZ) carries a lower debt/equity ratio of 70% versus 100% for OptimumBank Holdings, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — OPHC or FBIZ?
By revenue growth (latest reported year), OptimumBank Holdings, Inc.
(OPHC) is pulling ahead at 63. 8% versus 6. 4% for First Business Financial Services, Inc. (FBIZ). On earnings-per-share growth, the picture is similar: OptimumBank Holdings, Inc. grew EPS 52. 9% year-over-year, compared to 16. 5% for First Business Financial Services, Inc.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — OPHC or FBIZ?
OptimumBank Holdings, Inc.
(OPHC) is the more profitable company, earning 20. 4% net margin versus 18. 0% for First Business Financial Services, Inc. — meaning it keeps 20. 4% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: OPHC leads at 27. 4% versus 21. 6% for FBIZ. At the gross margin level — before operating expenses — OPHC leads at 57. 7%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Which pays a better dividend — OPHC or FBIZ?
In this comparison, FBIZ (2.
1% yield) pays a dividend. OPHC does not pay a meaningful dividend and should not be held primarily for income.
08Is OPHC or FBIZ better for a retirement portfolio?
For long-horizon retirement investors, First Business Financial Services, Inc.
(FBIZ) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 81), 2. 1% yield, +161. 7% 10Y return). Both have compounded well over 10 years (FBIZ: +161. 7%, OPHC: +35. 3%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
09What are the main differences between OPHC and FBIZ?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: OPHC is a small-cap high-growth stock; FBIZ is a small-cap deep-value stock. FBIZ pays a dividend while OPHC does not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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Revenue Growth>
%
(OPHC: 63.8% · FBIZ: 6.4%)Net Margin>
%
(OPHC: 20.4% · FBIZ: 18.0%)P/E Ratio<
x
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