FCAP
Price
$39.60
Change
-$2.09 (-5.01%)
Updated
Jun 26, 04:59 PM (EDT)
Capitalization
95.66M
OPHC
Price
$4.41
Change
-$0.02 (-0.45%)
Updated
Jun 26, 04:59 PM (EDT)
Capitalization
33.75M
46 days until earnings call
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FCAP vs OPHC

Header iconFCAP vs OPHC Comparison
Open Charts FCAP vs OPHCBanner chart's image
First Capital
Price$39.60
Change-$2.09 (-5.01%)
Volume$200
Capitalization95.66M
OptimumBank Holdings
Price$4.41
Change-$0.02 (-0.45%)
VolumeN/A
Capitalization33.75M
FCAP vs OPHC Comparison Chart in %
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OPHC
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Gain/Loss if bought
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FCAP vs. OPHC commentary
Jun 27, 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 FCAP is a Buy and OPHC is a Buy.

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COMPARISON
Comparison
Jun 27, 2025
Stock price -- (FCAP: $39.60 vs. OPHC: $4.45)
Brand notoriety: FCAP and OPHC are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: FCAP: 254% vs. OPHC: 20%
Market capitalization -- FCAP: $95.66M vs. OPHC: $33.75M
FCAP [@Regional Banks] is valued at $95.66M. 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 $6.03B.

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).

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

  • FCAP’s FA Score: 1 green, 4 red.
  • OPHC’s FA Score: 1 green, 4 red.
According to our system of comparison, FCAP 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 2 TA indicator(s) are bullish.

  • OPHC’s TA Score: 2 bullish, 5 bearish.

Price Growth

FCAP (@Regional Banks) experienced а -8.84% price change this week, while OPHC (@Regional Banks) price change was +1.14% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +2.16%. For the same industry, the average monthly price growth was +1.78%, and the average quarterly price growth was +8.66%.

Reported Earning Dates

FCAP is expected to report earnings on Apr 25, 2025.

OPHC is expected to report earnings on Aug 12, 2025.

Industries' Descriptions

@Regional Banks (+2.16% 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
FCAP($95.7M) has a higher market cap than OPHC($33.8M). FCAP has higher P/E ratio than OPHC: FCAP (7.67) vs OPHC (4.74). FCAP YTD gains are higher at: 24.511 vs. OPHC (-6.513). FCAP has less debt than OPHC: FCAP (28M) vs OPHC (64.2M). FCAP has higher revenues than OPHC: FCAP (42.9M) vs OPHC (27.2M).
FCAPOPHCFCAP / OPHC
Capitalization95.7M33.8M283%
EBITDAN/AN/A-
Gain YTD24.511-6.513-376%
P/E Ratio7.674.74162%
Revenue42.9M27.2M158%
Total Cash18MN/A-
Total Debt28M64.2M44%
FUNDAMENTALS RATINGS
FCAP vs OPHC: Fundamental Ratings
FCAP
OPHC
OUTLOOK RATING
1..100
5375
VALUATION
overvalued / fair valued / undervalued
1..100
68
Overvalued
10
Undervalued
PROFIT vs RISK RATING
1..100
10056
SMR RATING
1..100
4941
PRICE GROWTH RATING
1..100
4555
P/E GROWTH RATING
1..100
1776
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 (10) in the Regional Banks industry is somewhat better than the same rating for FCAP (68) in the Financial Conglomerates industry. This means that OPHC’s stock grew somewhat faster than FCAP’s over the last 12 months.

OPHC's Profit vs Risk Rating (56) in the Regional Banks industry is somewhat better than the same rating for FCAP (100) in the Financial Conglomerates industry. This means that OPHC’s stock grew somewhat faster than FCAP’s over the last 12 months.

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

FCAP's Price Growth Rating (45) in the Financial Conglomerates industry is in the same range as OPHC (55) in the Regional Banks industry. This means that FCAP’s stock grew similarly to OPHC’s over the last 12 months.

FCAP's P/E Growth Rating (17) in the Financial Conglomerates industry is somewhat better than the same rating for OPHC (76) in the Regional Banks industry. This means that FCAP’s stock grew somewhat faster than OPHC’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
OPHC
RSI
ODDS (%)
N/A
Stochastic
ODDS (%)
Bullish Trend 3 days ago
73%
Momentum
ODDS (%)
Bearish Trend 3 days ago
65%
MACD
ODDS (%)
Bearish Trend 3 days ago
61%
TrendWeek
ODDS (%)
Bullish Trend 3 days ago
74%
TrendMonth
ODDS (%)
Bullish Trend 3 days ago
70%
Advances
ODDS (%)
Bullish Trend 18 days ago
74%
Declines
ODDS (%)
Bearish Trend 11 days ago
59%
BollingerBands
ODDS (%)
Bearish Trend 3 days ago
66%
Aroon
ODDS (%)
Bearish Trend 3 days ago
57%
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OPHC
Daily Signalchanged days ago
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FCAP and

Correlation & Price change

A.I.dvisor tells us that FCAP and UBFO have been poorly correlated (+28% of the time) for the last year. This A.I.-generated data suggests there is low statistical probability that FCAP and UBFO's prices will move in lockstep.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To FCAP
1D Price
Change %
FCAP100%
-5.02%
UBFO - FCAP
28%
Poorly correlated
+1.27%
OPHC - FCAP
25%
Poorly correlated
+0.45%
LNKB - FCAP
24%
Poorly correlated
+3.15%
NIC - FCAP
24%
Poorly correlated
+2.04%
FULT - FCAP
23%
Poorly correlated
+2.87%
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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%
+0.45%
LSBK - OPHC
32%
Poorly correlated
N/A
PDLB - OPHC
32%
Poorly correlated
+2.16%
FUNC - OPHC
28%
Poorly correlated
+2.60%
AUB - OPHC
28%
Poorly correlated
+2.08%
CFBK - OPHC
28%
Poorly correlated
+0.25%
More