OPHC
Price
$4.23
Change
-$0.00 (-0.00%)
Updated
Sep 5 closing price
Capitalization
49.71M
60 days until earnings call
PFIS
Price
$52.94
Change
-$0.63 (-1.18%)
Updated
Sep 5 closing price
Capitalization
529.12M
64 days until earnings call
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OPHC vs PFIS

Header iconOPHC vs PFIS Comparison
Open Charts OPHC vs PFISBanner chart's image
OptimumBank Holdings
Price$4.23
Change-$0.00 (-0.00%)
Volume$1.87K
Capitalization49.71M
Peoples Financial Services
Price$52.94
Change-$0.63 (-1.18%)
Volume$29.15K
Capitalization529.12M
OPHC vs PFIS Comparison Chart in %
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OPHC
Daily Signalchanged days ago
Gain/Loss if bought
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PFIS
Daily Signalchanged days ago
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OPHC vs. PFIS commentary
Sep 08, 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 PFIS is a Buy.

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COMPARISON
Comparison
Sep 08, 2025
Stock price -- (OPHC: $4.23 vs. PFIS: $52.94)
Brand notoriety: OPHC and PFIS are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: OPHC: 10% vs. PFIS: 91%
Market capitalization -- OPHC: $49.71M vs. PFIS: $529.12M
OPHC [@Regional Banks] is valued at $49.71M. PFIS’s [@Regional Banks] market capitalization is $529.12M. The market cap for tickers in the [@Regional Banks] industry ranges from $167.72B 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 whilePFIS’s FA Score has 0 green FA rating(s).

  • OPHC’s FA Score: 1 green, 4 red.
  • PFIS’s FA Score: 0 green, 5 red.
According to our system of comparison, PFIS 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 6 TA indicator(s) are bullish while PFIS’s TA Score has 6 bullish TA indicator(s).

  • OPHC’s TA Score: 6 bullish, 4 bearish.
  • PFIS’s TA Score: 6 bullish, 4 bearish.
According to our system of comparison, both OPHC and PFIS are a good buy in the short-term.

Price Growth

OPHC (@Regional Banks) experienced а -0.47% price change this week, while PFIS (@Regional Banks) price change was +1.01% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +0.38%. For the same industry, the average monthly price growth was +4.97%, and the average quarterly price growth was +13.09%.

Reported Earning Dates

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

PFIS is expected to report earnings on Nov 11, 2025.

Industries' Descriptions

@Regional Banks (+0.38% 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
PFIS($529M) has a higher market cap than OPHC($49.7M). PFIS has higher P/E ratio than OPHC: PFIS (16.44) vs OPHC (3.30). PFIS YTD gains are higher at: 7.341 vs. OPHC (-11.134). PFIS has more cash in the bank: 60.2M vs. OPHC (15.4M). OPHC has less debt than PFIS: OPHC (2.66M) vs PFIS (271M).
OPHCPFISOPHC / PFIS
Capitalization49.7M529M9%
EBITDAN/AN/A-
Gain YTD-11.1347.341-152%
P/E Ratio3.3016.4420%
Revenue43.1MN/A-
Total Cash15.4M60.2M26%
Total Debt2.66M271M1%
FUNDAMENTALS RATINGS
OPHC vs PFIS: Fundamental Ratings
OPHC
PFIS
OUTLOOK RATING
1..100
5050
VALUATION
overvalued / fair valued / undervalued
1..100
18
Undervalued
49
Fair valued
PROFIT vs RISK RATING
1..100
7339
SMR RATING
1..100
4736
PRICE GROWTH RATING
1..100
7745
P/E GROWTH RATING
1..100
6663
SEASONALITY SCORE
1..100
7550

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 in the same range as PFIS (49). This means that OPHC’s stock grew similarly to PFIS’s over the last 12 months.

PFIS's Profit vs Risk Rating (39) in the Regional Banks industry is somewhat better than the same rating for OPHC (73). This means that PFIS’s stock grew somewhat faster than OPHC’s over the last 12 months.

PFIS's SMR Rating (36) in the Regional Banks industry is in the same range as OPHC (47). This means that PFIS’s stock grew similarly to OPHC’s over the last 12 months.

PFIS's Price Growth Rating (45) in the Regional Banks industry is in the same range as OPHC (77). This means that PFIS’s stock grew similarly to OPHC’s over the last 12 months.

PFIS's P/E Growth Rating (63) in the Regional Banks industry is in the same range as OPHC (66). This means that PFIS’s stock grew similarly to OPHC’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
OPHCPFIS
RSI
ODDS (%)
Bullish Trend 4 days ago
73%
Bearish Trend 4 days ago
81%
Stochastic
ODDS (%)
Bullish Trend 4 days ago
79%
Bearish Trend 4 days ago
70%
Momentum
ODDS (%)
Bullish Trend 4 days ago
65%
Bullish Trend 4 days ago
57%
MACD
ODDS (%)
Bearish Trend 4 days ago
67%
Bullish Trend 4 days ago
64%
TrendWeek
ODDS (%)
Bearish Trend 4 days ago
61%
Bullish Trend 4 days ago
62%
TrendMonth
ODDS (%)
Bearish Trend 4 days ago
59%
Bullish Trend 4 days ago
61%
Advances
ODDS (%)
Bullish Trend 4 days ago
69%
Bullish Trend 13 days ago
61%
Declines
ODDS (%)
Bearish Trend 6 days ago
58%
Bearish Trend 11 days ago
54%
BollingerBands
ODDS (%)
Bullish Trend 4 days ago
74%
Bearish Trend 4 days ago
67%
Aroon
ODDS (%)
Bullish Trend 5 days ago
63%
Bullish Trend 4 days ago
55%
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OPHC
Daily Signalchanged days ago
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PFIS
Daily Signalchanged days ago
Gain/Loss if bought
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OPHC and

Correlation & Price change

A.I.dvisor indicates that over the last year, OPHC has been loosely correlated with PDLB. 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 PDLB could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To OPHC
1D Price
Change %
OPHC100%
+0.04%
PDLB - OPHC
33%
Loosely correlated
-0.60%
GNTY - OPHC
32%
Poorly correlated
-0.32%
OPOF - OPHC
29%
Poorly correlated
N/A
PFIS - OPHC
29%
Poorly correlated
-1.18%
BOTJ - OPHC
29%
Poorly correlated
+0.50%
More

PFIS and

Correlation & Price change

A.I.dvisor indicates that over the last year, PFIS has been closely correlated with STBA. These tickers have moved in lockstep 85% of the time. This A.I.-generated data suggests there is a high statistical probability that if PFIS jumps, then STBA could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To PFIS
1D Price
Change %
PFIS100%
-1.18%
STBA - PFIS
85%
Closely correlated
-0.93%
TCBK - PFIS
85%
Closely correlated
-1.14%
WSFS - PFIS
84%
Closely correlated
-0.21%
FMBH - PFIS
84%
Closely correlated
-1.28%
STEL - PFIS
84%
Closely correlated
-0.93%
More