OptimumBank Holdings, Inc. OPHC

Competitive advantage analysis · financial-services

Bank Specialized
Overall moat score
39/100
Developing

Ranked against 399 peers in Banks - Regional

About OptimumBank Holdings, Inc.

OptimumBank Holdings, Inc. operates as the bank holding company for OptimumBank that provides various consumer and commercial banking services to individuals and businesses. The company accepts demand interest-bearing and noninterest-bearing, savings, money market, and NOW accounts, as well as time deposits, wire transfers, ACH services, and certificates of deposit. It also offers multi-family real estate, residential and commercial real estate, … Full OPHC analysis →

Key risks

  • Operational Inefficiency Operational efficiency lags peers (score 0.14).
  • Weak Net Interest Margin Net interest margin proxy is weak (score 0.14).

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Deposit Franchise

Developing
38
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Signals, strengths and risks for Deposit Franchise

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Signals, strengths and risks for Lending Advantage

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Signals, strengths and risks for Capital Strength

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Signals, strengths and risks for Cost Discipline

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Signals, strengths and risks for Revenue Diversification

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Signals, strengths and risks for Risk Management

Where OPHC ranks in Banks - Regional

OptimumBank Holdings, Inc. ranks #272 of 393 scored companies in Banks - Regional by moat score — the top 69%. The widest moat in the group is 1st Source Corporation (SRCE) at 86/100.

# Company Moat score Rating
268 Ponce Financial Group, Inc. PDLB 40/100 Developing
269 FB Bancorp, Inc. FBLA 40/100 Developing
270 Origin Bancorp, Inc. OBK 40/100 Developing
271 Heartland Financial USA, Inc. HTLF 40/100 Developing
272 OptimumBank Holdings, Inc. OPHC 39/100 Developing
273 WesBanco, Inc. WSBC 39/100 Developing
274 Atlantic Union Bankshares Corpo AUB 39/100 Developing
275 Auburn National Bancorporation, AUBN 39/100 Developing
276 Comerica Incorporated CMA 39/100 Developing

See every Banks & Lenders company ranked by moat score →

How OPHC scores on the Bank Specialized defenses

Deposit Franchise

Score 38 · 22% of the moat score

A deposit franchise is the cheapest and most valuable thing a bank can own.

Lending Advantage

Score 37 · 18% of the moat score

Lending advantage is the ability to originate loans at attractive spreads without buying that volume with looser credit standards.

Capital Strength

Score 64 · 20% of the moat score

Capital is the buffer between loan losses and insolvency, and it is what regulators judge a bank on first.

Cost Discipline

Score 27 · 16% of the moat score

Banking carries high fixed costs in branches, compliance and technology, so what it costs to run the bank relative to what the bank earns is a genuine competitive variable.

Revenue Diversification

Score 22 · 14% of the moat score

A bank earning everything from net interest income is a leveraged bet on the rate cycle.

Risk Management

Score 40 · 10% of the moat score

Risk management is the defense that only reveals itself late.

How each Bank Specialized defense is measured, in full →

Understanding OPHC's moat

What is OptimumBank Holdings, Inc.'s moat score?

OptimumBank Holdings, Inc. (OPHC) scores 39 out of 100 on the StatsAlpha Moat Map, which rates its competitive advantage as developing. It ranks #272 of 393 scored companies in Banks - Regional, the top 69%. The score is a weighted composite of 6 competitive defenses, each measured against industry peers of 399 companies in Banks - Regional. Its strongest defense is Capital Strength (64/100) and its weakest is Revenue Diversification (22/100).

How does OptimumBank Holdings, Inc. compare with other Banks - Regional companies?

OptimumBank Holdings, Inc. ranks #272 of 393 scored companies in Banks - Regional by moat score. The widest moat in Banks - Regional is 1st Source Corporation (SRCE) at 86/100. The companies ranked closest are Heartland Financial USA, Inc. (HTLF) at 40 just above it and WesBanco, Inc. (WSBC) at 39 just below it.

How is the moat score calculated?

Each company is scored with an industry-specific template — Bank Specialized in this case, chosen because the defenses that matter to a bank are not the ones that matter to a software company. Every defense combines several financial signals, and each signal is measured as a percentile against a peer group of 399 companies in Banks - Regional. The defenses are then weighted to produce the overall score out of 100.

Why is OptimumBank Holdings, Inc. scored with the Bank Specialized template?

A bank does not sell a product at a margin. It funds itself, lends at a spread, and books profits that remain an estimate until the loans are actually repaid. That makes the usual margin-and-return questions misleading, so the Bank template scores what really determines a bank's durability: where its funding comes from, what it lends against, how much capital stands behind it, and whether it has been pricing risk honestly.

Which competitive defenses are measured for OptimumBank Holdings, Inc.?

The Bank Specialized template measures 6 defenses, and OPHC scores: Deposit Franchise (38), Lending Advantage (37), Capital Strength (64), Cost Discipline (27), Revenue Diversification (22), Risk Management (40). Each is scored independently as a percentile against peers, so a company can be strong on one and weak on another — the overall score reflects how those defenses are weighted for this industry.

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