FUNC
Price
$29.64
Change
+$0.75 (+2.60%)
Updated
Jun 26 closing price
Capitalization
152.19M
31 days until earnings call
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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FUNC vs OPHC

Header iconFUNC vs OPHC Comparison
Open Charts FUNC vs OPHCBanner chart's image
First United
Price$29.64
Change+$0.75 (+2.60%)
Volume$26.85K
Capitalization152.19M
OptimumBank Holdings
Price$4.41
Change-$0.02 (-0.45%)
VolumeN/A
Capitalization33.75M
FUNC vs OPHC Comparison Chart in %
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FUNC
Daily Signalchanged days ago
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OPHC
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FUNC 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 FUNC is a Buy and OPHC is a Buy.

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COMPARISON
Comparison
Jun 27, 2025
Stock price -- (FUNC: $29.64 vs. OPHC: $4.45)
Brand notoriety: FUNC and OPHC are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: FUNC: 160% vs. OPHC: 20%
Market capitalization -- FUNC: $152.19M vs. OPHC: $33.75M
FUNC [@Regional Banks] is valued at $152.19M. 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).

FUNC’s FA Score shows that 0 FA rating(s) are green whileOPHC’s FA Score has 1 green FA rating(s).

  • FUNC’s FA Score: 0 green, 5 red.
  • OPHC’s FA Score: 1 green, 4 red.
According to our system of comparison, FUNC 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.

FUNC’s TA Score shows that 5 TA indicator(s) are bullish while OPHC’s TA Score has 2 bullish TA indicator(s).

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

Price Growth

FUNC (@Regional Banks) experienced а +3.42% 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

FUNC is expected to report earnings on Jul 28, 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
FUNC($152M) has a higher market cap than OPHC($33.8M). FUNC has higher P/E ratio than OPHC: FUNC (10.14) vs OPHC (4.74). OPHC YTD gains are higher at: -6.513 vs. FUNC (-10.785). OPHC has less debt than FUNC: OPHC (64.2M) vs FUNC (112M). FUNC has higher revenues than OPHC: FUNC (71.3M) vs OPHC (27.2M).
FUNCOPHCFUNC / OPHC
Capitalization152M33.8M450%
EBITDAN/AN/A-
Gain YTD-10.785-6.513166%
P/E Ratio10.144.74214%
Revenue71.3M27.2M262%
Total Cash86.9MN/A-
Total Debt112M64.2M174%
FUNDAMENTALS RATINGS
FUNC vs OPHC: Fundamental Ratings
FUNC
OPHC
OUTLOOK RATING
1..100
7475
VALUATION
overvalued / fair valued / undervalued
1..100
48
Fair valued
10
Undervalued
PROFIT vs RISK RATING
1..100
3656
SMR RATING
1..100
3941
PRICE GROWTH RATING
1..100
5555
P/E GROWTH RATING
1..100
6576
SEASONALITY SCORE
1..100
n/a50

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 FUNC (48). This means that OPHC’s stock grew somewhat faster than FUNC’s over the last 12 months.

FUNC's Profit vs Risk Rating (36) in the Regional Banks industry is in the same range as OPHC (56). This means that FUNC’s stock grew similarly to OPHC’s over the last 12 months.

FUNC's SMR Rating (39) in the Regional Banks industry is in the same range as OPHC (41). This means that FUNC’s stock grew similarly to OPHC’s over the last 12 months.

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

FUNC's P/E Growth Rating (65) in the Regional Banks industry is in the same range as OPHC (76). This means that FUNC’s stock grew similarly to OPHC’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
FUNCOPHC
RSI
ODDS (%)
Bullish Trend 1 day ago
78%
N/A
Stochastic
ODDS (%)
Bullish Trend 1 day ago
68%
Bullish Trend 3 days ago
73%
Momentum
ODDS (%)
Bearish Trend 2 days ago
51%
Bearish Trend 3 days ago
65%
MACD
ODDS (%)
Bullish Trend 1 day ago
72%
Bearish Trend 3 days ago
61%
TrendWeek
ODDS (%)
Bullish Trend 1 day ago
70%
Bullish Trend 3 days ago
74%
TrendMonth
ODDS (%)
Bearish Trend 1 day ago
46%
Bullish Trend 3 days ago
70%
Advances
ODDS (%)
Bullish Trend 3 days ago
70%
Bullish Trend 18 days ago
74%
Declines
ODDS (%)
Bearish Trend 11 days ago
54%
Bearish Trend 11 days ago
59%
BollingerBands
ODDS (%)
Bullish Trend 1 day ago
82%
Bearish Trend 3 days ago
66%
Aroon
ODDS (%)
Bearish Trend 1 day ago
45%
Bearish Trend 3 days ago
57%
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FUNC
Daily Signalchanged days ago
Gain/Loss if bought
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OPHC
Daily Signalchanged days ago
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FUNC and

Correlation & Price change

A.I.dvisor indicates that over the last year, FUNC has been closely correlated with HTBK. These tickers have moved in lockstep 67% of the time. This A.I.-generated data suggests there is a high statistical probability that if FUNC jumps, then HTBK could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To FUNC
1D Price
Change %
FUNC100%
+2.60%
HTBK - FUNC
67%
Closely correlated
+1.56%
SHBI - FUNC
67%
Closely correlated
+2.90%
EFSC - FUNC
66%
Closely correlated
+2.40%
UCB - FUNC
66%
Loosely correlated
+3.00%
PNFP - FUNC
66%
Loosely correlated
+2.21%
More

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