OPHC
Price
$4.73
Change
+$0.05 (+1.07%)
Updated
Jan 17 closing price
Capitalization
33.75M
2 days until earnings call
USCB
Price
$18.20
Change
+$0.22 (+1.22%)
Updated
Jan 17 closing price
Capitalization
217.53M
4 days until earnings call
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OPHC vs USCB

Header iconOPHC vs USCB Comparison
Open Charts OPHC vs USCBBanner chart's image
OptimumBank Holdings
Price$4.73
Change+$0.05 (+1.07%)
Volume$14.58K
Capitalization33.75M
USCB Financial Holdings
Price$18.20
Change+$0.22 (+1.22%)
Volume$31.82K
Capitalization217.53M
OPHC vs USCB Comparison Chart
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OPHC
Daily Signalchanged days ago
Gain/Loss if bought
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USCB
Daily Signalchanged days ago
Gain/Loss if bought
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OPHC vs. USCB commentary
Jan 19, 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 Hold and USCB is a Hold.

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COMPARISON
Comparison
Jan 19, 2025
Stock price -- (OPHC: $4.73 vs. USCB: $18.20)
Brand notoriety: OPHC and USCB are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: OPHC: 25% vs. USCB: 103%
Market capitalization -- OPHC: $33.75M vs. USCB: $217.53M
OPHC [@Regional Banks] is valued at $33.75M. USCB’s [@Regional Banks] market capitalization is $217.53M. 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 $5.88B.

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

  • OPHC’s FA Score: 1 green, 4 red.
  • USCB’s FA Score: 1 green, 4 red.
According to our system of comparison, USCB 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 3 TA indicator(s) are bullish while USCB’s TA Score has 3 bullish TA indicator(s).

  • OPHC’s TA Score: 3 bullish, 4 bearish.
  • USCB’s TA Score: 3 bullish, 4 bearish.
According to our system of comparison, both OPHC and USCB are a bad buy in the short-term.

Price Growth

OPHC (@Regional Banks) experienced а +4.65% price change this week, while USCB (@Regional Banks) price change was +10.77% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +3.11%. For the same industry, the average monthly price growth was +1.42%, and the average quarterly price growth was +11.25%.

Reported Earning Dates

OPHC is expected to report earnings on Jan 21, 2025.

USCB is expected to report earnings on Apr 24, 2025.

Industries' Descriptions

@Regional Banks (+3.11% 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
USCB($218M) has a higher market cap than OPHC($33.8M). USCB has higher P/E ratio than OPHC: USCB (13.18) vs OPHC (4.74). USCB YTD gains are higher at: 2.535 vs. OPHC (-0.630). OPHC has less debt than USCB: OPHC (64.2M) vs USCB (194M). USCB has higher revenues than OPHC: USCB (66M) vs OPHC (27.2M).
OPHCUSCBOPHC / USCB
Capitalization33.8M218M16%
EBITDAN/AN/A-
Gain YTD-0.6302.535-25%
P/E Ratio4.7413.1836%
Revenue27.2M66M41%
Total CashN/A5.07M-
Total Debt64.2M194M33%
FUNDAMENTALS RATINGS
OPHC: Fundamental Ratings
OPHC
OUTLOOK RATING
1..100
86
VALUATION
overvalued / fair valued / undervalued
1..100
6
Undervalued
PROFIT vs RISK RATING
1..100
58
SMR RATING
1..100
44
PRICE GROWTH RATING
1..100
52
P/E GROWTH RATING
1..100
91
SEASONALITY SCORE
1..100
50

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.

TECHNICAL ANALYSIS
Technical Analysis
OPHCUSCB
RSI
ODDS (%)
N/A
Bullish Trend 12 days ago
75%
Stochastic
ODDS (%)
Bullish Trend 12 days ago
82%
Bullish Trend 12 days ago
70%
Momentum
ODDS (%)
Bearish Trend 12 days ago
67%
Bearish Trend 12 days ago
63%
MACD
ODDS (%)
N/A
N/A
TrendWeek
ODDS (%)
Bearish Trend 12 days ago
64%
Bearish Trend 12 days ago
66%
TrendMonth
ODDS (%)
Bearish Trend 12 days ago
60%
Bearish Trend 12 days ago
63%
Advances
ODDS (%)
Bullish Trend 27 days ago
75%
Bullish Trend 25 days ago
69%
Declines
ODDS (%)
Bearish Trend 12 days ago
59%
Bearish Trend 12 days ago
66%
BollingerBands
ODDS (%)
Bullish Trend 12 days ago
86%
N/A
Aroon
ODDS (%)
Bearish Trend 12 days ago
64%
Bearish Trend 12 days ago
63%
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OPHC
Daily Signalchanged days ago
Gain/Loss if bought
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USCB
Daily Signalchanged days ago
Gain/Loss if bought
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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%
+0.96%
LSBK - OPHC
32%
Poorly correlated
N/A
BOH - OPHC
28%
Poorly correlated
+0.49%
PLBC - OPHC
27%
Poorly correlated
+2.98%
USCB - OPHC
27%
Poorly correlated
+1.22%
HBAN - OPHC
26%
Poorly correlated
+1.01%
More

USCB and

Correlation & Price change

A.I.dvisor indicates that over the last year, USCB has been loosely correlated with AROW. These tickers have moved in lockstep 65% of the time. This A.I.-generated data suggests there is some statistical probability that if USCB jumps, then AROW could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To USCB
1D Price
Change %
USCB100%
+1.22%
AROW - USCB
65%
Loosely correlated
+0.40%
ASB - USCB
64%
Loosely correlated
+0.60%
BY - USCB
64%
Loosely correlated
+1.14%
UBSI - USCB
64%
Loosely correlated
+1.13%
ONB - USCB
63%
Loosely correlated
+1.01%
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