OPHC
Price
$4.34
Change
-$0.02 (-0.46%)
Updated
Jun 5 closing price
Capitalization
33.75M
67 days until earnings call
USCB
Price
$16.14
Change
-$0.00 (-0.00%)
Updated
Jun 5 closing price
Capitalization
217.53M
48 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$4.34
Change-$0.02 (-0.46%)
Volume$7.53K
Capitalization33.75M
USCB Financial Holdings
Price$16.14
Change-$0.00 (-0.00%)
Volume$13.46K
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
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OPHC vs. USCB commentary
Jun 06, 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 StrongBuy and USCB is a Hold.

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COMPARISON
Comparison
Jun 06, 2025
Stock price -- (OPHC: $4.34 vs. USCB: $16.26)
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: 41% vs. USCB: 77%
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 $6B.

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

  • OPHC’s FA Score: 2 green, 3 red.
  • USCB’s FA Score: 1 green, 4 red.
According to our system of comparison, OPHC is a better buy in the long-term than USCB.

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 4 TA indicator(s) are bullish while USCB’s TA Score has 2 bullish TA indicator(s).

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

Price Growth

OPHC (@Regional Banks) experienced а -2.47% price change this week, while USCB (@Regional Banks) price change was -2.58% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was -0.53%. For the same industry, the average monthly price growth was +2.23%, and the average quarterly price growth was +3.43%.

Reported Earning Dates

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

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

Industries' Descriptions

@Regional Banks (-0.53% 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: -7.376 vs. OPHC (-8.824). 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-8.824-7.376120%
P/E Ratio4.7413.1836%
Revenue27.2M66M41%
Total CashN/A5.07M-
Total Debt64.2M194M33%
FUNDAMENTALS RATINGS
OPHC: Fundamental Ratings
OPHC
OUTLOOK RATING
1..100
78
VALUATION
overvalued / fair valued / undervalued
1..100
11
Undervalued
PROFIT vs RISK RATING
1..100
57
SMR RATING
1..100
20
PRICE GROWTH RATING
1..100
59
P/E GROWTH RATING
1..100
82
SEASONALITY SCORE
1..100
35

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 (%)
Bearish Trend 1 day ago
79%
N/A
Stochastic
ODDS (%)
Bullish Trend 1 day ago
73%
Bullish Trend 1 day ago
64%
Momentum
ODDS (%)
Bearish Trend 1 day ago
65%
Bearish Trend 1 day ago
66%
MACD
ODDS (%)
Bearish Trend 1 day ago
66%
Bearish Trend 1 day ago
64%
TrendWeek
ODDS (%)
Bearish Trend 1 day ago
63%
Bearish Trend 1 day ago
68%
TrendMonth
ODDS (%)
Bearish Trend 1 day ago
59%
Bearish Trend 1 day ago
66%
Advances
ODDS (%)
Bullish Trend 26 days ago
73%
Bullish Trend 11 days ago
68%
Declines
ODDS (%)
Bearish Trend 4 days ago
59%
Bearish Trend 5 days ago
69%
BollingerBands
ODDS (%)
Bearish Trend 1 day ago
72%
N/A
Aroon
ODDS (%)
Bullish Trend 1 day ago
61%
N/A
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OPHC
Daily Signalchanged days ago
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USCB
Daily Signalchanged days ago
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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%
-0.46%
LSBK - OPHC
32%
Poorly correlated
+0.06%
PDLB - OPHC
31%
Poorly correlated
-1.05%
CFBK - OPHC
28%
Poorly correlated
+0.17%
USCB - OPHC
27%
Poorly correlated
+0.74%
FUNC - OPHC
27%
Poorly correlated
+0.27%
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USCB and

Correlation & Price change

A.I.dvisor indicates that over the last year, USCB has been closely correlated with AROW. These tickers have moved in lockstep 72% of the time. This A.I.-generated data suggests there is a high 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%
+0.74%
AROW - USCB
72%
Closely correlated
+1.30%
SBSI - USCB
72%
Closely correlated
N/A
FBK - USCB
72%
Closely correlated
-0.23%
WSFS - USCB
71%
Closely correlated
-0.19%
GSBC - USCB
71%
Closely correlated
-0.16%
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