OPHC
Price
$3.94
Change
-$0.04 (-1.01%)
Updated
Oct 17 closing price
Capitalization
46.3M
19 days until earnings call
PDLB
Price
$14.22
Change
+$0.20 (+1.43%)
Updated
Oct 17 closing price
Capitalization
323.73M
17 days until earnings call
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OPHC vs PDLB

Header iconOPHC vs PDLB Comparison
Open Charts OPHC vs PDLBBanner chart's image
OptimumBank Holdings
Price$3.94
Change-$0.04 (-1.01%)
Volume$44.41K
Capitalization46.3M
Ponce Financial Group
Price$14.22
Change+$0.20 (+1.43%)
Volume$39.15K
Capitalization323.73M
OPHC vs PDLB Comparison Chart in %
OPHC
Daily Signalchanged days ago
Gain/Loss if bought
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PDLB
Daily Signalchanged days ago
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OPHC vs. PDLB commentary
Oct 19, 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 Hold and PDLB is a Hold.

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COMPARISON
Comparison
Oct 19, 2025
Stock price -- (OPHC: $3.94 vs. PDLB: $14.22)
Brand notoriety: OPHC and PDLB are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: OPHC: 341% vs. PDLB: 101%
Market capitalization -- OPHC: $46.3M vs. PDLB: $323.73M
OPHC [@Regional Banks] is valued at $46.3M. PDLB’s [@Regional Banks] market capitalization is $323.73M. The market cap for tickers in the [@Regional Banks] industry ranges from $175.05B to $0. The average market capitalization across the [@Regional Banks] industry is $7.76B.

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 whilePDLB’s FA Score has 0 green FA rating(s).

  • OPHC’s FA Score: 1 green, 4 red.
  • PDLB’s FA Score: 0 green, 5 red.
According to our system of comparison, OPHC is a better buy in the long-term than PDLB.

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 4 TA indicator(s) are bullish while PDLB’s TA Score has 4 bullish TA indicator(s).

  • OPHC’s TA Score: 4 bullish, 4 bearish.
  • PDLB’s TA Score: 4 bullish, 5 bearish.
According to our system of comparison, PDLB is a better buy in the short-term than OPHC.

Price Growth

OPHC (@Regional Banks) experienced а -2.72% price change this week, while PDLB (@Regional Banks) price change was -0.21% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was -0.16%. For the same industry, the average monthly price growth was -1.57%, and the average quarterly price growth was +15.72%.

Reported Earning Dates

OPHC is expected to report earnings on Nov 07, 2025.

PDLB is expected to report earnings on Nov 04, 2025.

Industries' Descriptions

@Regional Banks (-0.16% 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
PDLB($324M) has a higher market cap than OPHC($46.3M). PDLB has higher P/E ratio than OPHC: PDLB (20.03) vs OPHC (3.08). PDLB YTD gains are higher at: 9.385 vs. OPHC (-17.227). OPHC has less debt than PDLB: OPHC (2.66M) vs PDLB (567M). PDLB has higher revenues than OPHC: PDLB (92.3M) vs OPHC (43.1M).
OPHCPDLBOPHC / PDLB
Capitalization46.3M324M14%
EBITDAN/AN/A-
Gain YTD-17.2279.385-184%
P/E Ratio3.0820.0315%
Revenue43.1M92.3M47%
Total Cash15.4MN/A-
Total Debt2.66M567M0%
FUNDAMENTALS RATINGS
OPHC vs PDLB: Fundamental Ratings
OPHC
PDLB
OUTLOOK RATING
1..100
8954
VALUATION
overvalued / fair valued / undervalued
1..100
18
Undervalued
77
Overvalued
PROFIT vs RISK RATING
1..100
7259
SMR RATING
1..100
4754
PRICE GROWTH RATING
1..100
7752
P/E GROWTH RATING
1..100
7787
SEASONALITY SCORE
1..100
5085

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 (18) in the Regional Banks industry is somewhat better than the same rating for PDLB (77). This means that OPHC’s stock grew somewhat faster than PDLB’s over the last 12 months.

PDLB's Profit vs Risk Rating (59) in the Regional Banks industry is in the same range as OPHC (72). This means that PDLB’s stock grew similarly to OPHC’s over the last 12 months.

OPHC's SMR Rating (47) in the Regional Banks industry is in the same range as PDLB (54). This means that OPHC’s stock grew similarly to PDLB’s over the last 12 months.

PDLB's Price Growth Rating (52) in the Regional Banks industry is in the same range as OPHC (77). This means that PDLB’s stock grew similarly to OPHC’s over the last 12 months.

OPHC's P/E Growth Rating (77) in the Regional Banks industry is in the same range as PDLB (87). This means that OPHC’s stock grew similarly to PDLB’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
OPHCPDLB
RSI
ODDS (%)
Bullish Trend 3 days ago
56%
Bullish Trend 3 days ago
74%
Stochastic
ODDS (%)
Bullish Trend 3 days ago
68%
Bullish Trend 3 days ago
62%
Momentum
ODDS (%)
Bearish Trend 3 days ago
66%
Bearish Trend 3 days ago
46%
MACD
ODDS (%)
Bearish Trend 3 days ago
66%
N/A
TrendWeek
ODDS (%)
Bearish Trend 3 days ago
61%
Bearish Trend 3 days ago
46%
TrendMonth
ODDS (%)
Bearish Trend 3 days ago
60%
Bearish Trend 3 days ago
47%
Advances
ODDS (%)
Bullish Trend 5 days ago
68%
Bullish Trend 5 days ago
57%
Declines
ODDS (%)
Bearish Trend 3 days ago
58%
Bearish Trend 7 days ago
45%
BollingerBands
ODDS (%)
Bullish Trend 3 days ago
82%
Bullish Trend 3 days ago
57%
Aroon
ODDS (%)
Bearish Trend 3 days ago
57%
Bearish Trend 3 days ago
43%
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OPHC
Daily Signalchanged days ago
Gain/Loss if bought
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PDLB
Daily Signalchanged days ago
Gain/Loss if bought
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OPHC and

Correlation & Price change

A.I.dvisor tells us that OPHC and LSBK 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 LSBK's prices will move in lockstep.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To OPHC
1D Price
Change %
OPHC100%
-1.01%
LSBK - OPHC
32%
Poorly correlated
-0.71%
PDLB - OPHC
31%
Poorly correlated
+1.43%
VLYPP - OPHC
30%
Poorly correlated
+0.64%
CFBK - OPHC
29%
Poorly correlated
+0.57%
MBINN - OPHC
28%
Poorly correlated
+1.32%
More

PDLB and

Correlation & Price change

A.I.dvisor indicates that over the last year, PDLB has been closely correlated with BHRB. These tickers have moved in lockstep 73% of the time. This A.I.-generated data suggests there is a high statistical probability that if PDLB jumps, then BHRB could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To PDLB
1D Price
Change %
PDLB100%
+1.43%
BHRB - PDLB
73%
Closely correlated
+1.16%
MBWM - PDLB
71%
Closely correlated
+1.07%
OSBC - PDLB
71%
Closely correlated
+2.15%
TCBK - PDLB
71%
Closely correlated
+1.06%
THFF - PDLB
70%
Closely correlated
-0.25%
More