CFBK
Price
$22.71
Change
+$0.15 (+0.66%)
Updated
Nov 13, 04:59 PM (EDT)
Capitalization
145.37M
89 days until earnings call
Intraday BUY SELL Signals
OPHC
Price
$4.11
Change
-$0.02 (-0.48%)
Updated
Nov 13, 04:59 PM (EDT)
Capitalization
47.64M
90 days until earnings call
Intraday BUY SELL Signals
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CFBK vs OPHC

Header iconCFBK vs OPHC Comparison
Open Charts CFBK vs OPHCBanner chart's image
CF Bankshares
Price$22.71
Change+$0.15 (+0.66%)
Volume$238
Capitalization145.37M
OptimumBank Holdings
Price$4.11
Change-$0.02 (-0.48%)
Volume$100
Capitalization47.64M
CFBK vs OPHC Comparison Chart in %
CFBK
Daily Signal:
Gain/Loss:
OPHC
Daily Signal:
Gain/Loss:
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VS
CFBK vs. OPHC commentary
Nov 14, 2025

To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is CFBK is a Hold and OPHC is a Buy.

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COMPARISON
Comparison
Nov 14, 2025
Stock price -- (CFBK: $22.56 vs. OPHC: $4.13)
Brand notoriety: CFBK and OPHC are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: CFBK: 67% vs. OPHC: 28%
Market capitalization -- CFBK: $146.34M vs. OPHC: $47.35M
CFBK [@Regional Banks] is valued at $146.34M. OPHC’s [@Regional Banks] market capitalization is $47.35M. The market cap for tickers in the [@Regional Banks] industry ranges from $171.25B to $0. The average market capitalization across the [@Regional Banks] industry is $8.16B.

Long-Term Analysis

It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).

CFBK’s FA Score shows that 0 FA rating(s) are green whileOPHC’s FA Score has 1 green FA rating(s).

  • CFBK’s FA Score: 0 green, 5 red.
  • OPHC’s FA Score: 1 green, 4 red.
According to our system of comparison, both CFBK and OPHC are a bad buy in the long-term.

Short-Term Analysis

It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.

If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.

CFBK’s TA Score shows that 4 TA indicator(s) are bullish while OPHC’s TA Score has 6 bullish TA indicator(s).

  • CFBK’s TA Score: 4 bullish, 4 bearish.
  • OPHC’s TA Score: 6 bullish, 2 bearish.
According to our system of comparison, OPHC is a better buy in the short-term than CFBK.

Price Growth

CFBK (@Regional Banks) experienced а -3.63% price change this week, while OPHC (@Regional Banks) price change was +4.56% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +0.97%. For the same industry, the average monthly price growth was +1.50%, and the average quarterly price growth was +11.21%.

Reported Earning Dates

CFBK is expected to report earnings on Feb 10, 2026.

OPHC is expected to report earnings on Feb 11, 2026.

Industries' Descriptions

@Regional Banks (+0.97% weekly)

Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.

SUMMARIES
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FUNDAMENTALS
Fundamentals
CFBK($145M) has a higher market cap than OPHC($47.6M). CFBK has higher P/E ratio than OPHC: CFBK (9.06) vs OPHC (3.01). CFBK YTD gains are higher at: -10.171 vs. OPHC (-13.235). OPHC has less debt than CFBK: OPHC (2.66M) vs CFBK (122M). CFBK has higher revenues than OPHC: CFBK (55.5M) vs OPHC (43.1M).
CFBKOPHCCFBK / OPHC
Capitalization145M47.6M305%
EBITDAN/AN/A-
Gain YTD-10.171-13.23577%
P/E Ratio9.063.01301%
Revenue55.5M43.1M129%
Total CashN/A15.4M-
Total Debt122M2.66M4,585%
FUNDAMENTALS RATINGS
CFBK vs OPHC: Fundamental Ratings
CFBK
OPHC
OUTLOOK RATING
1..100
779
VALUATION
overvalued / fair valued / undervalued
1..100
34
Fair valued
16
Undervalued
PROFIT vs RISK RATING
1..100
4377
SMR RATING
1..100
5246
PRICE GROWTH RATING
1..100
7462
P/E GROWTH RATING
1..100
8480
SEASONALITY SCORE
1..100
5050

Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.

OPHC's Valuation (16) in the Regional Banks industry is in the same range as CFBK (34) in the Savings Banks industry. This means that OPHC’s stock grew similarly to CFBK’s over the last 12 months.

CFBK's Profit vs Risk Rating (43) in the Savings Banks industry is somewhat better than the same rating for OPHC (77) in the Regional Banks industry. This means that CFBK’s stock grew somewhat faster than OPHC’s over the last 12 months.

OPHC's SMR Rating (46) in the Regional Banks industry is in the same range as CFBK (52) in the Savings Banks industry. This means that OPHC’s stock grew similarly to CFBK’s over the last 12 months.

OPHC's Price Growth Rating (62) in the Regional Banks industry is in the same range as CFBK (74) in the Savings Banks industry. This means that OPHC’s stock grew similarly to CFBK’s over the last 12 months.

OPHC's P/E Growth Rating (80) in the Regional Banks industry is in the same range as CFBK (84) in the Savings Banks industry. This means that OPHC’s stock grew similarly to CFBK’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
CFBKOPHC
RSI
ODDS (%)
Bullish Trend 2 days ago
50%
N/A
Stochastic
ODDS (%)
Bullish Trend 2 days ago
61%
Bullish Trend 2 days ago
65%
Momentum
ODDS (%)
Bearish Trend 2 days ago
48%
Bullish Trend 2 days ago
63%
MACD
ODDS (%)
Bearish Trend 2 days ago
45%
Bullish Trend 2 days ago
77%
TrendWeek
ODDS (%)
Bearish Trend 2 days ago
51%
Bullish Trend 2 days ago
68%
TrendMonth
ODDS (%)
Bearish Trend 2 days ago
49%
Bullish Trend 2 days ago
65%
Advances
ODDS (%)
Bullish Trend 9 days ago
54%
Bullish Trend 2 days ago
66%
Declines
ODDS (%)
Bearish Trend 4 days ago
52%
Bearish Trend 9 days ago
59%
BollingerBands
ODDS (%)
Bullish Trend 2 days ago
50%
Bullish Trend 2 days ago
82%
Aroon
ODDS (%)
Bearish Trend 2 days ago
37%
Bearish Trend 2 days ago
57%
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CFBK
Daily Signal:
Gain/Loss:
OPHC
Daily Signal:
Gain/Loss:
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CFBK and

Correlation & Price change

A.I.dvisor indicates that over the last year, CFBK has been loosely correlated with CARE. These tickers have moved in lockstep 56% of the time. This A.I.-generated data suggests there is some statistical probability that if CFBK jumps, then CARE could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To CFBK
1D Price
Change %
CFBK100%
-0.62%
CARE - CFBK
56%
Loosely correlated
N/A
CBAN - CFBK
54%
Loosely correlated
-1.10%
BY - CFBK
54%
Loosely correlated
+0.11%
FCCO - CFBK
54%
Loosely correlated
+0.26%
ABCB - CFBK
53%
Loosely correlated
-1.33%
More

OPHC and

Correlation & Price change

A.I.dvisor indicates that over the last year, OPHC has been loosely correlated with CFBK. These tickers have moved in lockstep 33% of the time. This A.I.-generated data suggests there is some statistical probability that if OPHC jumps, then CFBK could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To OPHC
1D Price
Change %
OPHC100%
+1.23%
CFBK - OPHC
33%
Loosely correlated
-0.62%
LSBK - OPHC
32%
Poorly correlated
-0.28%
PDLB - OPHC
32%
Poorly correlated
+1.67%
AUB - OPHC
31%
Poorly correlated
-0.03%
VLYPP - OPHC
30%
Poorly correlated
+0.16%
More