OptimumBank Holdings, Inc. (OPHC)vsU.S. Bancorp (USB)
OPHC
OptimumBank Holdings, Inc.
$5.36
-0.19%
FINANCIAL SERVICES · Cap: $65.70M
USB
U.S. Bancorp
$51.89
-0.56%
FINANCIAL SERVICES · Cap: $81.01B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 55587% more annual revenue ($26.35B vs $47.33M). OPHC leads profitability with a 35.2% profit margin vs 28.7%. OPHC appears more attractively valued with a PEG of 1.03. USB earns a higher WallStSmart Score of 75/100 (B).
OPHC
Strong Buy75
out of 100
Grade: B+
USB
Strong Buy75
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+80.9%
Fair Value
$27.43
Current Price
$5.36
$22.07 discount
Margin of Safety
+75.8%
Fair Value
$214.00
Current Price
$51.89
$162.11 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 35 of every $100 in revenue as profit
Strong operational efficiency at 50.1%
Revenue surging 36.2% year-over-year
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 39.3%
Large-cap with strong market position
Keeps 29 of every $100 in revenue as profit
Earnings expanding 24.7% YoY
Areas to Watch
Smaller company, higher risk/reward
Weak financial health signals
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : OPHC
The strongest argument for OPHC centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 35.2% and operating margin at 50.1%. Revenue growth of 36.2% demonstrates continued momentum.
Bull Case : USB
The strongest argument for USB centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.7% and operating margin at 39.3%.
Bear Case : OPHC
The primary concerns for OPHC are Market Cap, Piotroski F-Score.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
OPHC profiles as a growth stock while USB is a mature play — different risk/reward profiles.
USB carries more volatility with a beta of 1.04 — expect wider price swings.
OPHC is growing revenue faster at 36.2% — sustainability is the question.
USB generates stronger free cash flow (2.8B), providing more financial flexibility.
Bottom Line
OPHC scores higher overall (75/100 vs 75/100), backed by strong 35.2% margins and 36.2% revenue growth. USB offers better value entry with a 75.8% margin of safety. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
OptimumBank Holdings, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
OptimumBank Holdings, Inc. is OptimumBank's banking holding company that provides various commercial and consumer banking services to individuals and businesses. The company is headquartered in Fort Lauderdale, Florida.
U.S. Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
U.S. Bancorp is an American bank holding company based in Minneapolis, Minnesota, and incorporated in Delaware. The company provides banking, investment, mortgage, trust, and payment services products to individuals, businesses, governmental entities, and other financial institutions.
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