CFBK
Price
$24.03
Change
-$0.07 (-0.29%)
Updated
Jul 11 closing price
Capitalization
126.64M
17 days until earnings call
OPHC
Price
$4.56
Change
-$0.03 (-0.65%)
Updated
Jul 11 closing price
Capitalization
33.75M
30 days until earnings call
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CFBK vs OPHC

Header iconCFBK vs OPHC Comparison
Open Charts CFBK vs OPHCBanner chart's image
CF Bankshares
Price$24.03
Change-$0.07 (-0.29%)
Volume$8.37K
Capitalization126.64M
OptimumBank Holdings
Price$4.56
Change-$0.03 (-0.65%)
Volume$8.52K
Capitalization33.75M
CFBK vs OPHC Comparison Chart in %
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CFBK
Daily Signalchanged days ago
Gain/Loss if bought
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OPHC
Daily Signalchanged days ago
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CFBK vs. OPHC commentary
Jul 13, 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 CFBK is a StrongBuy and OPHC is a Buy.

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COMPARISON
Comparison
Jul 13, 2025
Stock price -- (CFBK: $24.03 vs. OPHC: $4.56)
Brand notoriety: CFBK and OPHC are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: CFBK: 43% vs. OPHC: 82%
Market capitalization -- CFBK: $126.64M vs. OPHC: $33.75M
CFBK [@Regional Banks] is valued at $126.64M. OPHC’s [@Regional Banks] market capitalization is $33.75M. 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 $6.04B.

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).

CFBK’s FA Score shows that 2 FA rating(s) are green whileOPHC’s FA Score has 1 green FA rating(s).

  • CFBK’s FA Score: 2 green, 3 red.
  • OPHC’s FA Score: 1 green, 4 red.
According to our system of comparison, CFBK 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.

CFBK’s TA Score shows that 3 TA indicator(s) are bullish while OPHC’s TA Score has 4 bullish TA indicator(s).

  • CFBK’s TA Score: 3 bullish, 5 bearish.
  • OPHC’s TA Score: 4 bullish, 2 bearish.
According to our system of comparison, OPHC is a better buy in the short-term than CFBK.

Price Growth

CFBK (@Regional Banks) experienced а -0.37% price change this week, while OPHC (@Regional Banks) price change was +0.66% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was -0.07%. For the same industry, the average monthly price growth was +3.76%, and the average quarterly price growth was +13.26%.

Reported Earning Dates

CFBK is expected to report earnings on Jul 30, 2025.

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

Industries' Descriptions

@Regional Banks (-0.07% 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
CFBK($127M) has a higher market cap than OPHC($33.8M). CFBK has higher P/E ratio than OPHC: CFBK (7.45) vs OPHC (4.74). OPHC YTD gains are higher at: -4.200 vs. CFBK (-4.964). OPHC has less debt than CFBK: OPHC (64.2M) vs CFBK (130M). CFBK has higher revenues than OPHC: CFBK (52M) vs OPHC (27.2M).
CFBKOPHCCFBK / OPHC
Capitalization127M33.8M376%
EBITDAN/AN/A-
Gain YTD-4.964-4.200118%
P/E Ratio7.454.74157%
Revenue52M27.2M191%
Total Cash232MN/A-
Total Debt130M64.2M202%
FUNDAMENTALS RATINGS
CFBK vs OPHC: Fundamental Ratings
CFBK
OPHC
OUTLOOK RATING
1..100
3014
VALUATION
overvalued / fair valued / undervalued
1..100
37
Fair valued
10
Undervalued
PROFIT vs RISK RATING
1..100
2958
SMR RATING
1..100
4941
PRICE GROWTH RATING
1..100
5050
P/E GROWTH RATING
1..100
1879
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 (10) in the Regional Banks industry is in the same range as CFBK (37) in the Savings Banks industry. This means that OPHC’s stock grew similarly to CFBK’s over the last 12 months.

CFBK's Profit vs Risk Rating (29) in the Savings Banks industry is in the same range as OPHC (58) in the Regional Banks industry. This means that CFBK’s stock grew similarly to OPHC’s over the last 12 months.

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

OPHC's Price Growth Rating (50) in the Regional Banks industry is in the same range as CFBK (50) in the Savings Banks industry. This means that OPHC’s stock grew similarly to CFBK’s over the last 12 months.

CFBK's P/E Growth Rating (18) in the Savings Banks industry is somewhat better than the same rating for OPHC (79) in the Regional Banks industry. This means that CFBK’s stock grew somewhat faster than OPHC’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
CFBKOPHC
RSI
ODDS (%)
Bearish Trend 3 days ago
56%
N/A
Stochastic
ODDS (%)
Bearish Trend 3 days ago
44%
Bearish Trend 3 days ago
69%
Momentum
ODDS (%)
Bullish Trend 3 days ago
61%
Bullish Trend 3 days ago
72%
MACD
ODDS (%)
Bullish Trend 3 days ago
65%
Bullish Trend 3 days ago
67%
TrendWeek
ODDS (%)
Bearish Trend 3 days ago
52%
Bullish Trend 3 days ago
74%
TrendMonth
ODDS (%)
Bullish Trend 3 days ago
65%
Bearish Trend 3 days ago
59%
Advances
ODDS (%)
Bullish Trend 4 days ago
59%
Bullish Trend 4 days ago
73%
Declines
ODDS (%)
Bearish Trend 27 days ago
56%
Bearish Trend 28 days ago
59%
BollingerBands
ODDS (%)
Bearish Trend 3 days ago
56%
N/A
Aroon
ODDS (%)
Bearish Trend 3 days ago
37%
Bullish Trend 3 days ago
69%
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CFBK
Daily Signalchanged days ago
Gain/Loss if bought
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OPHC
Daily Signalchanged days ago
Gain/Loss if bought
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CFBK and

Correlation & Price change

A.I.dvisor indicates that over the last year, CFBK has been loosely correlated with HBAN. These tickers have moved in lockstep 48% of the time. This A.I.-generated data suggests there is some statistical probability that if CFBK jumps, then HBAN could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To CFBK
1D Price
Change %
CFBK100%
-0.62%
HBAN - CFBK
48%
Loosely correlated
-0.97%
FCCO - CFBK
46%
Loosely correlated
-1.93%
FITB - CFBK
46%
Loosely correlated
+0.76%
UCB - CFBK
46%
Loosely correlated
-1.48%
PNFP - CFBK
46%
Loosely correlated
-1.20%
More

OPHC and

Correlation & Price change

A.I.dvisor tells us that OPHC and PDLB have been poorly correlated (+33% of the time) for the last year. This A.I.-generated data suggests there is low statistical probability that OPHC and PDLB's prices will move in lockstep.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To OPHC
1D Price
Change %
OPHC100%
-0.65%
PDLB - OPHC
33%
Poorly correlated
-2.57%
LSBK - OPHC
32%
Poorly correlated
-0.13%
CFBK - OPHC
31%
Poorly correlated
-0.62%
PKBK - OPHC
28%
Poorly correlated
-1.08%
AUB - OPHC
28%
Poorly correlated
-1.57%
More