OPHC
Price
$4.24
Change
+$0.02 (+0.47%)
Updated
Dec 24 closing price
Capitalization
48.88M
48 days until earnings call
Intraday BUY SELL Signals
UCB
Price
$32.52
Change
+$0.08 (+0.25%)
Updated
Dec 24 closing price
Capitalization
3.95B
20 days until earnings call
Intraday BUY SELL Signals
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OPHC vs UCB

Header iconOPHC vs UCB Comparison
Open Charts OPHC vs UCBBanner chart's image
OptimumBank Holdings
Price$4.24
Change+$0.02 (+0.47%)
Volume$6.2K
Capitalization48.88M
United Community Banks
Price$32.52
Change+$0.08 (+0.25%)
Volume$328.09K
Capitalization3.95B
OPHC vs UCB Comparison Chart in %
OPHC
Daily Signal:
Gain/Loss:
UCB
Daily Signal:
Gain/Loss:
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VS
OPHC vs. UCB commentary
Dec 26, 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 UCB is a StrongBuy.

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COMPARISON
Comparison
Dec 26, 2025
Stock price -- (OPHC: $4.24 vs. UCB: $32.52)
Brand notoriety: OPHC and UCB are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: OPHC: 17% vs. UCB: 48%
Market capitalization -- OPHC: $48.88M vs. UCB: $3.95B
OPHC [@Regional Banks] is valued at $48.88M. UCB’s [@Regional Banks] market capitalization is $3.95B. The market cap for tickers in the [@Regional Banks] industry ranges from $171.46B to $0. The average market capitalization across the [@Regional Banks] industry is $8.64B.

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 whileUCB’s FA Score has 1 green FA rating(s).

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

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 5 TA indicator(s) are bullish while UCB’s TA Score has 5 bullish TA indicator(s).

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

Price Growth

OPHC (@Regional Banks) experienced а -1.22% price change this week, while UCB (@Regional Banks) price change was +0.18% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +0.01%. For the same industry, the average monthly price growth was +5.44%, and the average quarterly price growth was +15.56%.

Reported Earning Dates

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

UCB is expected to report earnings on Jan 14, 2026.

Industries' Descriptions

@Regional Banks (+0.01% 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
UCB($3.95B) has a higher market cap than OPHC($48.9M). UCB has higher P/E ratio than OPHC: UCB (12.90) vs OPHC (3.09). UCB YTD gains are higher at: 3.163 vs. OPHC (-10.977). UCB has more cash in the bank: 202M vs. OPHC (15.4M). OPHC has less debt than UCB: OPHC (2.85M) vs UCB (155M). UCB has higher revenues than OPHC: UCB (1.01B) vs OPHC (46.1M).
OPHCUCBOPHC / UCB
Capitalization48.9M3.95B1%
EBITDAN/AN/A-
Gain YTD-10.9773.163-347%
P/E Ratio3.0912.9024%
Revenue46.1M1.01B5%
Total Cash15.4M202M8%
Total Debt2.85M155M2%
FUNDAMENTALS RATINGS
OPHC vs UCB: Fundamental Ratings
OPHC
UCB
OUTLOOK RATING
1..100
58
VALUATION
overvalued / fair valued / undervalued
1..100
13
Undervalued
75
Overvalued
PROFIT vs RISK RATING
1..100
7968
SMR RATING
1..100
4713
PRICE GROWTH RATING
1..100
5951
P/E GROWTH RATING
1..100
6889
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 (13) in the Regional Banks industry is somewhat better than the same rating for UCB (75). This means that OPHC’s stock grew somewhat faster than UCB’s over the last 12 months.

UCB's Profit vs Risk Rating (68) in the Regional Banks industry is in the same range as OPHC (79). This means that UCB’s stock grew similarly to OPHC’s over the last 12 months.

UCB's SMR Rating (13) in the Regional Banks industry is somewhat better than the same rating for OPHC (47). This means that UCB’s stock grew somewhat faster than OPHC’s over the last 12 months.

UCB's Price Growth Rating (51) in the Regional Banks industry is in the same range as OPHC (59). This means that UCB’s stock grew similarly to OPHC’s over the last 12 months.

OPHC's P/E Growth Rating (68) in the Regional Banks industry is in the same range as UCB (89). This means that OPHC’s stock grew similarly to UCB’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
OPHCUCB
RSI
ODDS (%)
Bearish Trend 2 days ago
74%
Bearish Trend 2 days ago
75%
Stochastic
ODDS (%)
Bearish Trend 2 days ago
64%
Bearish Trend 2 days ago
75%
Momentum
ODDS (%)
Bullish Trend 2 days ago
72%
Bullish Trend 7 days ago
55%
MACD
ODDS (%)
Bearish Trend 2 days ago
63%
N/A
TrendWeek
ODDS (%)
Bearish Trend 2 days ago
60%
Bullish Trend 2 days ago
56%
TrendMonth
ODDS (%)
Bullish Trend 2 days ago
64%
Bullish Trend 2 days ago
52%
Advances
ODDS (%)
Bullish Trend 9 days ago
65%
Bullish Trend 15 days ago
55%
Declines
ODDS (%)
Bearish Trend 3 days ago
58%
Bearish Trend 7 days ago
70%
BollingerBands
ODDS (%)
Bearish Trend 2 days ago
57%
Bearish Trend 2 days ago
82%
Aroon
ODDS (%)
Bullish Trend 2 days ago
62%
Bullish Trend 2 days ago
42%
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OPHC
Daily Signal:
Gain/Loss:
UCB
Daily Signal:
Gain/Loss:
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OPHC and

Correlation & Price change

A.I.dvisor indicates that over the last year, OPHC has been loosely correlated with CFFN. These tickers have moved in lockstep 36% of the time. This A.I.-generated data suggests there is some statistical probability that if OPHC jumps, then CFFN could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To OPHC
1D Price
Change %
OPHC100%
+0.53%
CFFN - OPHC
36%
Loosely correlated
+0.43%
OZK - OPHC
36%
Loosely correlated
-0.27%
NECB - OPHC
36%
Loosely correlated
-0.69%
AUB - OPHC
36%
Loosely correlated
+0.69%
UCB - OPHC
36%
Loosely correlated
+0.25%
More

UCB and

Correlation & Price change

A.I.dvisor indicates that over the last year, UCB has been closely correlated with WSFS. These tickers have moved in lockstep 91% of the time. This A.I.-generated data suggests there is a high statistical probability that if UCB jumps, then WSFS could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To UCB
1D Price
Change %
UCB100%
+0.25%
WSFS - UCB
91%
Closely correlated
+0.11%
UBSI - UCB
91%
Closely correlated
+0.08%
FNB - UCB
91%
Closely correlated
+0.17%
HWC - UCB
91%
Closely correlated
-0.46%
TRMK - UCB
91%
Closely correlated
-0.15%
More