OPHC
Price
$4.41
Change
-$0.14 (-3.08%)
Updated
Jun 13 closing price
Capitalization
33.75M
57 days until earnings call
OPOF
Price
$39.23
Change
-$0.18 (-0.46%)
Updated
Jun 13 closing price
Capitalization
89.71M
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OPHC vs OPOF

Header iconOPHC vs OPOF Comparison
Open Charts OPHC vs OPOFBanner chart's image
OptimumBank Holdings
Price$4.41
Change-$0.14 (-3.08%)
Volume$5.23K
Capitalization33.75M
Old Point Financial
Price$39.23
Change-$0.18 (-0.46%)
Volume$9.36K
Capitalization89.71M
OPHC vs OPOF Comparison Chart
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OPHC
Daily Signalchanged days ago
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OPOF
Daily Signalchanged days ago
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OPHC vs. OPOF commentary
Jun 16, 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 OPHC is a StrongBuy and OPOF is a Hold.

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COMPARISON
Comparison
Jun 16, 2025
Stock price -- (OPHC: $4.41 vs. OPOF: $39.23)
Brand notoriety: OPHC and OPOF are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: OPHC: 37% vs. OPOF: 78%
Market capitalization -- OPHC: $33.75M vs. OPOF: $89.71M
OPHC [@Regional Banks] is valued at $33.75M. OPOF’s [@Regional Banks] market capitalization is $89.71M. The market cap for tickers in the [@Regional Banks] industry ranges from $133.96B to $0. The average market capitalization across the [@Regional Banks] industry is $6.03B.

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).

OPHC’s FA Score shows that 1 FA rating(s) are green whileOPOF’s FA Score has 2 green FA rating(s).

  • OPHC’s FA Score: 1 green, 4 red.
  • OPOF’s FA Score: 2 green, 3 red.
According to our system of comparison, OPOF is a better buy in the long-term than OPHC.

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.

OPHC’s TA Score shows that 1 TA indicator(s) are bullish while OPOF’s TA Score has 3 bullish TA indicator(s).

  • OPHC’s TA Score: 1 bullish, 6 bearish.
  • OPOF’s TA Score: 3 bullish, 4 bearish.
According to our system of comparison, OPOF is a better buy in the short-term than OPHC.

Price Growth

OPHC (@Regional Banks) experienced а -3.29% price change this week, while OPOF (@Regional Banks) price change was +0.69% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was -0.53%. For the same industry, the average monthly price growth was -0.00%, and the average quarterly price growth was +3.95%.

Reported Earning Dates

OPHC is expected to report earnings on Aug 12, 2025.

Industries' Descriptions

@Regional Banks (-0.53% 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
OPOF($89.7M) has a higher market cap than OPHC($33.8M). OPOF has higher P/E ratio than OPHC: OPOF (11.56) vs OPHC (4.74). OPOF YTD gains are higher at: 51.774 vs. OPHC (-7.353). OPHC has less debt than OPOF: OPHC (64.2M) vs OPOF (99.1M). OPOF has higher revenues than OPHC: OPOF (60.9M) vs OPHC (27.2M).
OPHCOPOFOPHC / OPOF
Capitalization33.8M89.7M38%
EBITDAN/AN/A-
Gain YTD-7.35351.774-14%
P/E Ratio4.7411.5641%
Revenue27.2M60.9M45%
Total CashN/A14.5M-
Total Debt64.2M99.1M65%
FUNDAMENTALS RATINGS
OPHC vs OPOF: Fundamental Ratings
OPHC
OPOF
OUTLOOK RATING
1..100
5050
VALUATION
overvalued / fair valued / undervalued
1..100
10
Undervalued
100
Overvalued
PROFIT vs RISK RATING
1..100
5618
SMR RATING
1..100
4149
PRICE GROWTH RATING
1..100
5937
P/E GROWTH RATING
1..100
8212
SEASONALITY SCORE
1..100
5019

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 (10) in the Regional Banks industry is significantly better than the same rating for OPOF (100). This means that OPHC’s stock grew significantly faster than OPOF’s over the last 12 months.

OPOF's Profit vs Risk Rating (18) in the Regional Banks industry is somewhat better than the same rating for OPHC (56). This means that OPOF’s stock grew somewhat faster than OPHC’s over the last 12 months.

OPHC's SMR Rating (41) in the Regional Banks industry is in the same range as OPOF (49). This means that OPHC’s stock grew similarly to OPOF’s over the last 12 months.

OPOF's Price Growth Rating (37) in the Regional Banks industry is in the same range as OPHC (59). This means that OPOF’s stock grew similarly to OPHC’s over the last 12 months.

OPOF's P/E Growth Rating (12) in the Regional Banks industry is significantly better than the same rating for OPHC (82). This means that OPOF’s stock grew significantly faster than OPHC’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
OPHCOPOF
RSI
ODDS (%)
Bearish Trend 3 days ago
67%
Bearish Trend 3 days ago
56%
Stochastic
ODDS (%)
Bearish Trend 3 days ago
62%
Bullish Trend 3 days ago
64%
Momentum
ODDS (%)
Bullish Trend 3 days ago
75%
Bearish Trend 3 days ago
44%
MACD
ODDS (%)
Bearish Trend 3 days ago
63%
N/A
TrendWeek
ODDS (%)
Bearish Trend 3 days ago
63%
Bullish Trend 3 days ago
74%
TrendMonth
ODDS (%)
Bearish Trend 3 days ago
59%
Bearish Trend 3 days ago
50%
Advances
ODDS (%)
N/A
Bullish Trend 5 days ago
74%
Declines
ODDS (%)
Bearish Trend 26 days ago
59%
Bearish Trend 3 days ago
50%
BollingerBands
ODDS (%)
Bearish Trend 3 days ago
64%
Bearish Trend 3 days ago
53%
Aroon
ODDS (%)
Bearish Trend 3 days ago
58%
Bullish Trend 3 days ago
75%
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OPHC
Daily Signalchanged days ago
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OPOF
Daily Signalchanged days ago
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OPHC and

Correlation & Price change

A.I.dvisor tells us that OPHC and GNTY have been poorly correlated (+32% of the time) for the last year. This A.I.-generated data suggests there is low statistical probability that OPHC and GNTY's prices will move in lockstep.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To OPHC
1D Price
Change %
OPHC100%
-3.08%
GNTY - OPHC
32%
Poorly correlated
-2.67%
PDLB - OPHC
30%
Poorly correlated
-3.36%
OPOF - OPHC
29%
Poorly correlated
-0.46%
LCNB - OPHC
29%
Poorly correlated
-3.15%
PFIS - OPHC
29%
Poorly correlated
-2.95%
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OPOF and

Correlation & Price change

A.I.dvisor indicates that over the last year, OPOF has been loosely correlated with FISI. These tickers have moved in lockstep 34% of the time. This A.I.-generated data suggests there is some statistical probability that if OPOF jumps, then FISI could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To OPOF
1D Price
Change %
OPOF100%
-0.46%
FISI - OPOF
34%
Loosely correlated
-3.07%
BMRC - OPOF
32%
Poorly correlated
-2.80%
OVLY - OPOF
30%
Poorly correlated
-2.35%
PCB - OPOF
29%
Poorly correlated
-0.55%
INBK - OPOF
28%
Poorly correlated
-3.20%
More