WallStSmart

OptimumBank Holdings, Inc. (OPHC)vsU.S. Bancorp (USB)

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Smart Verdict

WallStSmart Research — data-driven comparison

U.S. Bancorp generates 48915% more annual revenue ($27.89B vs $56.89M). OPHC leads profitability with a 36.0% profit margin vs 30.0%. OPHC appears more attractively valued with a PEG of 1.03. OPHC earns a higher WallStSmart Score of 83/100 (A-).

OPHC

Exceptional Buy

83

out of 100

Grade: A-

Growth: 10.0Profit: 7.5Value: 7.0Quality: 6.5
Piotroski: 3/9Altman Z: -0.71

USB

Strong Buy

73

out of 100

Grade: B

Growth: 6.7Profit: 7.5Value: 6.3Quality: 3.5
Piotroski: 4/9Altman Z: -0.36

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

OPHC6 strengths · Avg: 10.0/10
P/E RatioValuation
9.8x10/10

Attractively priced relative to earnings

Profit MarginProfitability
36.0%10/10

Keeps 36 of every $100 in revenue as profit

Operating MarginProfitability
52.5%10/10

Strong operational efficiency at 52.5%

Revenue GrowthGrowth
56.0%10/10

Revenue surging 56.0% year-over-year

EPS GrowthGrowth
86.7%10/10

Earnings expanding 86.7% YoY

Debt/EquityHealth
0.0410/10

Conservative balance sheet, low leverage

USB6 strengths · Avg: 9.2/10
P/E RatioValuation
11.4x10/10

Attractively priced relative to earnings

Profit MarginProfitability
30.0%10/10

Keeps 30 of every $100 in revenue as profit

Operating MarginProfitability
40.1%10/10

Strong operational efficiency at 40.1%

Market CapQuality
$91.50B9/10

Large-cap with strong market position

Price/BookValuation
1.6x8/10

Reasonable price relative to book value

Free Cash FlowQuality
$4.82B8/10

Generating 4.8B in free cash flow

Areas to Watch

OPHC3 concerns · Avg: 2.7/10
Market CapQuality
$107.99M3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Altman Z-ScoreHealth
-0.712/10

Distress zone — elevated risk

USB3 concerns · Avg: 3.0/10
PEG RatioValuation
1.794/10

Expensive relative to growth rate

Debt/EquityHealth
1.103/10

Elevated debt levels

Altman Z-ScoreHealth
-0.362/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : OPHC

The strongest argument for OPHC centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 36.0% and operating margin at 52.5%. Revenue growth of 56.0% demonstrates continued momentum.

Bull Case : USB

The strongest argument for USB centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 30.0% and operating margin at 40.1%.

Bear Case : OPHC

The primary concerns for OPHC are Market Cap, Piotroski F-Score, Altman Z-Score.

Bear Case : USB

The primary concerns for USB are PEG Ratio, Debt/Equity, 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 1.02 — expect wider price swings.

OPHC is growing revenue faster at 56.0% — sustainability is the question.

USB generates stronger free cash flow (4.8B), providing more financial flexibility.

Bottom Line

OPHC scores higher overall (83/100 vs 73/100), backed by strong 36.0% margins and 56.0% revenue growth. Both earn "Exceptional 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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