OPHC
Price
$4.30
Change
-$0.00 (-0.00%)
Updated
Aug 29, 02:59 PM (EDT)
Capitalization
50.56M
70 days until earnings call
VLYPP
Price
$25.32
Change
-$0.33 (-1.29%)
Updated
Aug 29, 04:22 PM (EDT)
Capitalization
N/A
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OPHC vs VLYPP

Header iconOPHC vs VLYPP Comparison
Open Charts OPHC vs VLYPPBanner chart's image
OptimumBank Holdings
Price$4.30
Change-$0.00 (-0.00%)
Volume$900
Capitalization50.56M
Valley National Ban
Price$25.32
Change-$0.33 (-1.29%)
Volume$100
CapitalizationN/A
OPHC vs VLYPP Comparison Chart in %
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OPHC
Daily Signalchanged days ago
Gain/Loss if bought
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VLYPP
Daily Signalchanged days ago
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OPHC vs. VLYPP commentary
Aug 30, 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 VLYPP is a Buy.

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COMPARISON
Comparison
Aug 30, 2025
Stock price -- (OPHC: $4.30 vs. VLYPP: $25.65)
Brand notoriety: OPHC and VLYPP are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: OPHC: 127% vs. VLYPP: 120%
Market capitalization -- OPHC: $50.56M vs. VLYPP: $0
OPHC [@Regional Banks] is valued at $50.56M. VLYPP’s [@Regional Banks] market capitalization is $0. The market cap for tickers in the [@Regional Banks] industry ranges from $167.72B to $0. The average market capitalization across the [@Regional Banks] industry is $7.85B.

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

  • OPHC’s FA Score: 1 green, 4 red.
  • VLYPP’s FA Score: 1 green, 4 red.
According to our system of comparison, VLYPP 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 6 TA indicator(s) are bullish while VLYPP’s TA Score has 3 bullish TA indicator(s).

  • OPHC’s TA Score: 6 bullish, 4 bearish.
  • VLYPP’s TA Score: 3 bullish, 4 bearish.
According to our system of comparison, OPHC is a better buy in the short-term than VLYPP.

Price Growth

OPHC (@Regional Banks) experienced а +1.97% price change this week, while VLYPP (@Regional Banks) price change was +0.67% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +0.21%. For the same industry, the average monthly price growth was +4.71%, and the average quarterly price growth was +11.77%.

Reported Earning Dates

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

Industries' Descriptions

@Regional Banks (+0.21% 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
VLYPP YTD gains are higher at: 3.075 vs. OPHC (-9.601). VLYPP has more cash in the bank: 509M vs. OPHC (15.4M). OPHC has less debt than VLYPP: OPHC (2.66M) vs VLYPP (3.45B). VLYPP has higher revenues than OPHC: VLYPP (1.91B) vs OPHC (43.1M).
OPHCVLYPPOPHC / VLYPP
Capitalization50.6MN/A-
EBITDAN/AN/A-
Gain YTD-9.6013.075-312%
P/E Ratio3.36N/A-
Revenue43.1M1.91B2%
Total Cash15.4M509M3%
Total Debt2.66M3.45B0%
FUNDAMENTALS RATINGS
OPHC vs VLYPP: Fundamental Ratings
OPHC
VLYPP
OUTLOOK RATING
1..100
7027
VALUATION
overvalued / fair valued / undervalued
1..100
19
Undervalued
4
Undervalued
PROFIT vs RISK RATING
1..100
6772
SMR RATING
1..100
100100
PRICE GROWTH RATING
1..100
7452
P/E GROWTH RATING
1..100
100100
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.

VLYPP's Valuation (4) in the Regional Banks industry is in the same range as OPHC (19). This means that VLYPP’s stock grew similarly to OPHC’s over the last 12 months.

OPHC's Profit vs Risk Rating (67) in the Regional Banks industry is in the same range as VLYPP (72). This means that OPHC’s stock grew similarly to VLYPP’s over the last 12 months.

OPHC's SMR Rating (100) in the Regional Banks industry is in the same range as VLYPP (100). This means that OPHC’s stock grew similarly to VLYPP’s over the last 12 months.

VLYPP's Price Growth Rating (52) in the Regional Banks industry is in the same range as OPHC (74). This means that VLYPP’s stock grew similarly to OPHC’s over the last 12 months.

VLYPP's P/E Growth Rating (100) in the Regional Banks industry is in the same range as OPHC (100). This means that VLYPP’s stock grew similarly to OPHC’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
OPHCVLYPP
RSI
ODDS (%)
Bullish Trend 2 days ago
67%
Bearish Trend 2 days ago
40%
Stochastic
ODDS (%)
Bearish Trend 2 days ago
61%
Bearish Trend 2 days ago
40%
Momentum
ODDS (%)
Bullish Trend 2 days ago
72%
N/A
MACD
ODDS (%)
Bullish Trend 2 days ago
75%
Bullish Trend 2 days ago
40%
TrendWeek
ODDS (%)
Bullish Trend 2 days ago
72%
Bullish Trend 2 days ago
48%
TrendMonth
ODDS (%)
Bearish Trend 2 days ago
59%
Bullish Trend 2 days ago
42%
Advances
ODDS (%)
Bullish Trend 5 days ago
70%
Bullish Trend 3 days ago
52%
Declines
ODDS (%)
Bearish Trend 9 days ago
58%
Bearish Trend 19 days ago
39%
BollingerBands
ODDS (%)
Bullish Trend 2 days ago
89%
Bearish Trend 2 days ago
43%
Aroon
ODDS (%)
Bullish Trend 2 days ago
61%
Bullish Trend 2 days ago
40%
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OPHC
Daily Signalchanged days ago
Gain/Loss if bought
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VLYPP
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%
-1.53%
LSBK - OPHC
32%
Poorly correlated
+1.67%
PDLB - OPHC
31%
Poorly correlated
-0.27%
CFBK - OPHC
29%
Poorly correlated
+0.20%
VLYPP - OPHC
29%
Poorly correlated
N/A
MBINN - OPHC
28%
Poorly correlated
+0.00%
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VLYPP and

Correlation & Price change

A.I.dvisor indicates that over the last year, VLYPP has been loosely correlated with VLYPO. These tickers have moved in lockstep 49% of the time. This A.I.-generated data suggests there is some statistical probability that if VLYPP jumps, then VLYPO could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To VLYPP
1D Price
Change %
VLYPP100%
N/A
VLYPO - VLYPP
49%
Loosely correlated
-0.08%
FFIC - VLYPP
49%
Loosely correlated
-0.07%
FHB - VLYPP
47%
Loosely correlated
-0.38%
DCOM - VLYPP
46%
Loosely correlated
+0.49%
HTBK - VLYPP
44%
Loosely correlated
-0.67%
More