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Optimumbank Holdings, Inc.  (OPHC)
Other Ticker:  
 
    Sector  Financial    Industry Regional Banks
   Industry Regional Banks
   Sector  Financial

Optimumbank Holdings Inc's

Competitiveness


 

OPHC Sales vs. its Competitors Q3 2018



Comparing the results to its competitors, Optimumbank Holdings Inc reported Total Revenue decrease in the 3 quarter 2018 year on year by -8.65 %, faster than overall decrease of Optimumbank Holdings Inc's competitors by -1.96 %, recorded in the same quarter.

List of OPHC Competitors





Revenue Growth Comparisons




Net Income Comparison


Optimumbank Holdings, Inc. recorded net loss and most of company's competitors saw decline in earnings by -50.12 %

<<  More on OPHC Income Comparisons


Optimumbank Holdings Inc's Comment on Competitors and Industry Peers


OptimumBank encounters strong competition both making loans and attracting deposits. The deregulation of the banking industry and the widespread enactment of state laws which permit multi-bank holding companies as well as an increasing level of interstate banking have created a highly competitive environment for commercial banking. In one or more aspects of its business, OptimumBank competes with other commercial banks, savings and loan associations, credit unions, finance companies, mutual funds, insurance companies, brokerage and investment banking companies, and other financial intermediaries. Most of these competitors, some of which are affiliated with bank holding companies, have substantially greater resources and lending limits, and may offer certain services that OptimumBank does not currently provide. In addition, many of its non-bank competitors are not subject to the same extensive federal regulations that govern federally insured banks. Recent federal and state legislation has heightened the competitive environment in which financial institutions must conduct their business, and the potential for competition among financial institutions of all types has increased significantly. The Bank focuses its efforts on smaller loans, which is generally neglected by its competitors.

To compete, OptimumBank relies upon specialized services, responsive handling of customer needs, and personal contacts by its officers, directors, and staff. Large multi-branch banking competitors tend to compete primarily by rate and the number and location of branches while smaller, independent financial institutions tend to compete primarily by rate and personal service.



  

Total Segment Market Share Q3 2018

Total segment, revenue fell by -8.65 % and company lost market share, to approximate 0.01 %.





<<  More on OPHC Market Share.
 

*Market share is not actual measurement, only performance comparison of companies which report and operate within the same segment.

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OPHC's vs. Competition, Data

(Revenue and Income for Trailing 12 Months, in Millions of $, except Employees)



COMPANY NAME TICKER MARKET CAP REVENUES INCOME EMPLOYEES
Optimumbank Holdings, Inc. OPHC 6 5 1 17
Pultegroup Inc PHM 10,441 5,680 2,620 4,149
Qwest Corp CTX 0 9,752 1,434 0
Fifth Third Bancorp FITB 16,177 6,693 2,193 18,351
Bank Of America Corp BAC 268,258 91,247 28,147 224,000
Wells Fargo & Company WFC 225,971 84,664 21,910 264,900
Us Bancorp De USB 76,720 21,195 7,241 66,750
Citigroup Inc C 144,943 72,854 18,080 241,000
Bank Of New York Mellon Corp BK 49,717 16,416 4,254 50,300
Pnc Financial Services Group, Inc. PNC 55,419 17,132 5,346 53,587
Huntington Bancshares Inc HBAN 10,377 2,613 639 11,873
Suntrust Banks Inc STI 25,846 9,005 2,784 26,281
Lennar Corp LEN 26,925 16,614 1,103 6,825
Kb Home KBH 2,741 4,547 170 1,590
Horton D R Inc DHI 15,949 16,254 1,560 5,621
SOVEREIGN BANCORP, INC. SOV 0 0 0 0
Northern Trust Corp NTRS 19,393 5,975 1,556 15,400
Jpmorgan Chase & Co JPM 331,168 104,158 30,709 241,359
General Electric Company GE 87,576 121,615 -22,443 305,000
Regions Financial Corp RF 13,246 5,688 1,719 23,723
Peoples United Financial, Inc. PBCT 5,893 1,572 468 4,856
MARSHALL & ILSLEY CORPORATION MI 0 0 0 0
COMMERCE BANCORP, INC. CBH 0 0 0 0
First Horizon National Corp FHN 5,626 1,986 436 4,310
Capital One Financial Corp COF 49,531 18,931 4,142 46,000
Slm Corporation SLM 4,370 1,115 458 1,000
Zions Bancorporation, National Association ZION 8,783 2,821 884 10,462
Anchor Bancorp Wisconsin Inc ABCW 0 0 0 527
Acnb Corp ACNB 252 71 22 296
Anchor Bancorp ANCB 64 19 0 114
Associated Banc-corp ASB 3,375 1,048 34 4,383
Ameriserv Financial Inc ASRV 75 50 5 341
Ames National Corporation ATLO 245 49 17 208
Auburn National Bancorporation, Inc AUBN 137 29 9 157
Avenue Financial Holdings, Inc. AVNU 0 0 0 147
Banc Of California, Inc. BANC 336 280 67 1,679
Bancfirst Corp BANF 1,692 382 126 1,744
Banner Corporation BANR 1,787 538 137 1,918
Bay Banks Of Virginia Inc BAYK 101 37 4 134
Hope Bancorp Inc BBCN 0 533 190 938
Bbva Compass Bancshares, Inc BBVA 0 3,298 763 10,553
Bridge Bancorp Inc BDGE 572 147 39 433
Bar Harbor Bankshares BHB 365 116 33 205
Blue Hills Bancorp, Inc. BHBK 568 92 25 209
Berkshire Hills Bancorp Inc BHLB 1,218 453 79 1,221
Bancorp Of New Jersey, Inc. BKJ 88 26 5 74
Bank Of South Carolina Corp BKSC 103 19 7 81
Bsb Bancorp, Inc. BLMT 297 64 23 123
Bank Of Marin Bancorp BMRC 1,388 102 33 259
Bryn Mawr Bank Corporation BMTC 700 218 64 488
Bnc Bancorp BNCN 1,812 264 63 850
C1 Financial, Inc. BNK 0 0 0 229
Bank Of Commerce Holdings BOCH 171 52 16 168
Bank Of Hawaii Corp BOH 3,178 642 220 2,200
Bank Of The James Financial Group Inc BOTJ 60 28 5 125
Boston Private Financial Holdings Inc BPFH 892 387 84 890
Sierra Bancorp BSRR 366 110 30 352
First Busey Corp BUSE 1,156 321 78 795
Bankwell Financial Group, Inc. BWFG 214 60 16 123
Bancorpsouth Inc BXS 2,635 667 94 4,002
Bay Bancorp, Inc. BYBK 285 30 5 144
Baylake Corp BYLK 0 0 0 261
Camden National Corp CAC 631 158 53 652
Cascade Bancorp CACB 0 127 22 513
Carolina Financial Corp CARO 742 172 50 421
Cathay General Bancorp CATY 2,684 589 233 1,122
Colony Bankcorp Inc CBAN 140 50 12 321
Capital Bank Financial Corp. CBF 2,182 302 39 1,291
Cb Financial Services, Inc. CBFV 131 43 7 198
Consumers Bancorp Inc CBKM 50 15 3 111
Cape Bancorp, Inc. CBNJ 0 0 0 230
Chicopee Bancorp, Inc. CBNK 0 0 0 112
Community Bank System, Inc. CBU 3,066 558 169 2,207
Capital City Bank Group Inc CCBG 367 138 18 894
Cnb Financial Corp CCNE 365 120 34 454
Centrue Financial Corp CFCB 181 42 6 214
C & F Financial Corp CFFI 178 96 18 598
Cardinal Financial Corp CFNL 0 0 0 851
City Holding Co CHCO 1,139 201 70 853
Chemical Financial Corp CHFC 2,834 750 284 2,100
Chemung Financial Corp CHMG 212 80 20 377
Civista Bancshares, Inc. CIVB 228 75 18 326
Citizens Holding Co CIZN 102 35 7 236
Carolina Bank Holdings Inc CLBH 0 0 0 192
Cortland Bancorp Inc CLDB 102 28 9 148
Community Bancorp CMTV 89 30 8 127
Century Bancorp Inc CNBKA 397 107 36 374
Cincinnati Bancorp CNNB 21 7 1 29
Communityone Bancorp COB 0 0 0 544
Cobiz Financial Inc COBZ 926 135 27 532
Columbia Banking System Inc COLB 2,250 552 173 1,868
Central Pacific Financial Corp CPF 807 213 59 876
Carroll Bancorp, Inc. CROL 0 0 0 26
Cornerstone Bancshares Inc CSBQ 0 0 0 225
Centerstate Bank Corporation CSFL 2,790 511 136 784
Choiceone Financial Services Inc COFS 90 29 7 151
Community Shores Bank Corp CSHB 0 0 0 51
Community Trust Bancorp Inc CTBI 697 188 59 984
Customers Bancorp, Inc. CUBI 595 311 72 517
Cu Bancorp CUNB 662 115 32 265
Cvb Financial Corp CVBF 2,914 391 152 100
Central Valley Community Bancorp CVCY 275 73 21 282
Community West Bancshares CWBC 85 36 7 107
Citizens First Corp CZFC 64 19 5 98
Citizens Financial Services Inc CZFS 213 53 18 229
Citizens & Northern Corp CZNC 311 59 14 283
Dnb Financial Corp DNBF 162 41 11 118
Meridian Bancorp, Inc. EBSB 783 166 56 396
Enterprise Bancorp Inc EBTC 325 119 29 426
Enterprise Financial Services Corp EFSC 919 224 89 459
Eagle Financial Services Inc EFSI 113 36 9 108
Eagle Bancorp Inc EGBN 1,676 331 152 434
Emclaire Financial Corp EMCF 84 29 4 122
Enb Financial Corp ENBP 102 43 8 239
Entegra Financial Corp. ENFC 155 54 14 219
Essa Bancorp, Inc. ESSA 174 43 8 248
Community Bankers Trust Corp ESXB 163 52 14 236
Evans Bancorp Inc EVBN 175 62 16 258
Eastern Virginia Bankshares Inc EVBS 196 53 7 311
First Connecticut Bancorp, Inc. FBNK 465 96 19 343
Fauquier Bankshares, Inc. FBSS 83 29 6 139
Fcb Financial Holdings, Inc. FCB 1,639 367 145 649
First Community Bankshares Inc FCBC 523 115 36 673
First Community Corp FCCO 157 46 11 186
First Commonwealth Financial Corp FCF 1,222 328 107 1,210
First Community Financial Partners, Inc. FCFP 235 44 12 108
First Clover Leaf Financial Corp. FCLF 0 0 0 91
1st Century Bancshares, Inc. FCTY 0 0 0 80
First Capital Bancorp, Inc. FCVA 0 0 0 95
First Financial Bancorp FFBC 3,979 546 173 1,471
Flushing Financial Corporation FFIC 602 177 55 427
Farmers Capital Bank Corp FFKT 428 80 15 501
First Federal Of Northern Michigan Bancorp, Inc. FFNM 0 0 0 83
First Financial Northwest, Inc. FFNW 161 48 15 107
First Foundation Inc. FFWM 593 187 43 295
First Farmers & Merchants Corp FIME 0 0 0 226
Financial Institutions Inc FISI 433 151 42 691
First Of Long Island Corp FLIC 536 107 42 302
First Mid Illinois Bancshares Inc FMBH 498 127 31 513
Farmers National Banc Corp FMNB 374 98 27 432
First Bancorp, Inc FNLC 268 60 21 783
First Northern Community Bancorp FNRN 163 49 13 212
First Northwest Bancorp FNWB 165 42 7 157
Four Oaks Fincorp Inc FOFN 125 31 8 179
Republic First Bancorp Inc FRBK 277 94 9 277
First Merchants Corp FRME 1,764 408 159 1,529
Fsb Bancorp, Inc. FSBC 29 11 0 0
First South Bancorp Inc FSBK 178 48 9 298
Fs Bancorp, Inc. FSBW 194 77 24 239
First Security Group Inc FSGI 0 0 0 268
First United Corp FUNC 119 57 11 364
First West Virginia Bancorp Inc FWV 0 0 0 98
Fox Chase Bancorp Inc FXCB 0 0 0 126
German American Bancorp, Inc. GABC 695 150 47 596
Guaranty Bancorp GBNK 435 77 14 376
Greene County Bancorp Inc GCBC 132 25 6 124
Guaranty Federal Bancshares Inc GFED 100 36 5 138
Glen Burnie Bancorp GLBZ 32 13 1 93
Green Bancorp, Inc. GNBC 652 158 44 353
Georgetown Bancorp, Inc. GTWN 0 11 0 45
Hanmi Financial Corp HAFC 628 202 58 609
Home Bancorp, Inc. HBCP 327 102 32 143
Highlands Bankshares Inc HBKA 0 24 -1 211
Howard Bancorp Inc HBMD 251 78 -4 253
Horizon Bancorp Inc HBNC 810 166 53 558
Hudson City Bancorp Inc HCBK 0 1,681 185 1,507
Heritage Oaks Bancorp HEOP 0 0 0 283
Hopfed Bancorp Inc HFBC 129 36 6 243
Heritage Financial Corp HFWA 1,099 213 53 717
Xenith Bankshares, Inc. HMPR 0 101 68 533
Homestreet, Inc. HMST 687 436 40 2,139
Hometown Bankshares Corp HMTA 80 22 4 96
Heritage Commerce Corp HTBK 465 124 35 260
Heartland Financial Usa Inc HTLF 1,480 499 117 1,799
Hawthorn Bancshares, Inc. HWBK 143 52 11 313
Independent Bank Corp IBCP 501 157 40 1,051
Independent Bank Group, Inc. IBTX 1,509 359 128 587
Investar Holding Corp ISTR 221 59 14 168
Jacksonville Bancorp Inc JAXB 0 0 0 69
Keycorp KEY 15,468 6,178 1,866 13,853
Kentucky Bancshares Inc KTYB 359 48 12 243
Landmark Bancorp Inc LARK 121 42 10 291
Lakeland Bancorp Inc LBAI 698 191 63 551
Lcnb Corp LCNB 222 58 15 280
Fidelity Southern Corp LION 749 283 44 1,242
Lakeland Financial Corp LKFN 1,134 185 80 518
Live Oak Bancshares, Inc. LOB 565 199 51 327
Laporte Bancorp, Inc. LPSB 0 0 0 102
Macatawa Bank Corp MCBC 282 62 10 342
Middlefield Banc Corp. MBCN 134 43 12 143
Mbt Financial Corp MBTF 222 60 18 294
Merchants Bancshares Inc MBVT 0 0 0 291
Mercantile Bank Corporation MBWM 277 62 17 558
Melrose Bancorp, Inc. MELR 45 8 2 26
Metro Bancorp, Inc. METR 0 0 0 878
Mutualfirst Financial Inc MFSF 253 81 19 391
Malvern Bancorp, Inc. MLVF 130 5 -19 71
Monarch Financial Holdings, Inc. MNRK 0 0 0 643
Midwestone Financial Group, Inc. MOFG 327 110 20 648
Mid Penn Bancorp Inc MPB 219 63 11 229
Mainsource Financial Group MSFG 1,058 195 49 841
Midsouth Bancorp Inc MSL 181 71 -28 536
M&t Bank Corp MTB 25,630 4,353 1,062 14,609
Mvb Financial Corp MVBF 215 88 12 371
Mw Bancorp, Inc. MWBC 26 4 1 12
Newbridge Bancorp NBBC 0 0 0 487
Northeast Bancorp NBN 214 40 4 174
National Bankshares Inc NKSH 282 47 15 225
New Bancorp, Inc. NWBB 12 5 0 26
Norwood Financial Corp NWFL 189 42 14 136
Northwest Indiana Bancorp NWIN 121 29 7 179
New York Community Bancorp Inc NYB 0 1,104 422 3,448
Southwest Bancorp Inc OKSB 534 96 22 412
Old Line Bancshares Inc OLBK 449 100 27 233
Ameris Bancorp ABCB 1,588 445 121 1,304
Old Point Financial Corp OPOF 110 44 5 296
Oritani Financial Corp ORIT 717 104 42 209
Orrstown Financial Services Inc ORRF 160 69 12 294
Old Second Bancorp Inc OSBC 380 121 34 450
Ottawa Bancorp Inc OTTW 44 11 1 42
Ohio Valley Banc Corp OVBC 168 51 9 248
Oak Valley Bancorp OVLY 149 43 12 167
Pathfinder Bancorp, Inc. PBHC 56 28 4 118
Porter Bancorp, Inc. PBIB 89 37 39 244
Prudential Bancorp, Inc. PBIP 144 21 2 67
Pacific Continental Corp PCBK 642 101 29 322
Peoples Bancorp Of North Carolina Inc PEBK 164 59 13 284
Peoples Bancorp Inc. PEBO 585 122 41 817
Premier Financial Bancorp Inc PFBI 268 67 20 344
Peoples Financial Corp PFBX 28 23 1 161
Peoples Financial Services Corp. PFIS 335 81 25 348
Peapack Gladstone Financial Corp PGC 491 156 44 316
Parke Bancorp, Inc. PKBK 240 50 25 65
Palmetto Bancshares Inc PLMT 0 0 0 286
Pacific Mercantile Bancorp PMBC 179 54 27 156
Patriot National Bancorp Inc PNBK 59 29 3 95
Pacific Premier Bancorp Inc PPBI 1,555 378 100 332
Park Sterling Corp PSTB 689 137 28 493
Peoples Utah Bancorp PUB 483 115 41 362
Penns Woods Bancorp Inc PWOD 189 56 15 308
Qcr Holdings Inc QCRH 545 177 45 406
Quaint Oak Bancorp Inc QNTO 25 12 2 52
Republic Bancorp Inc RBCAA 852 258 78 785
Royal Bancshares Of Pennsylvania Inc RBPAA 129 30 12 119
Sandy Spring Bancorp Inc SASR 1,083 312 101 737
Sb One Bancorp SBBX 171 53 10 119
Seacoast Banking Corp Of Florida SBCF 1,312 250 67 665
Southside Bancshares Inc SBSI 1,118 204 74 683
Sbt Bancorp, Inc. SBTB 69 17 2 89
Servisfirst Bancshares, Inc. SFBS 1,744 261 137 371
Southern First Bancshares Inc SFST 244 68 22 167
Southwest Georgia Financial Corp SGB 52 22 4 107
Shore Bancshares Inc SHBI 185 58 25 283
Select Bancorp, Inc. SLCT 217 52 14 153
Southern Missouri Bancorp Inc SMBC 108 34 10 289
Summit Financial Group Inc SMMF 311 85 28 231
Southcoast Financial Corp SOCB 0 0 0 85
Southern National Bancorp Of Virginia Inc SONA 343 97 34 181
1st Source Corp SRCE 1,146 291 82 1,150
Stewardship Financial Corp SSFN 78 33 8 121
State Bank Financial Corp STBZ 825 258 59 664
State Street Corp STT 28,851 9,884 2,102 29,970
Suffolk Bancorp SUBK 0 0 0 337
Stock Yards Bancorp, Inc. SYBT 764 157 56 555
Bancorp, Inc. TBBK 463 271 89 762
Trico Bancshares TCBK 1,155 262 68 1,011
Community Financial Corp TCFC 159 54 11 171
First Financial Corp THFF 505 149 40 896
Tompkins Financial Corp TMP 1,130 285 82 998
Two River Bancorp TRCB 137 40 9 143
Trustco Bank Corp N Y TRST 725 177 61 787
Tristate Capital Holdings, Inc. TSC 563 162 54 192
United Bancorp Inc UBCP 61 22 4 111
United Security Bancshares UBFO 168 40 14 129
United Financial Bancorp, Inc. UBNK 717 219 60 697
United Community Financial Corp UCFC 451 111 37 428
Unity Bancorp Inc UNTY 201 59 19 150
Univest Financial Corp UVSP 705 198 51 717
Virginia National Bankshares Corp VABK 99 27 8 94
Village Bank & Trust Financial Corp. VBFC 47 23 -2 157
Veritex Holdings, Inc. VBTX 578 119 39 145
Westbury Bancorp, Inc. WBB 135 23 0 128
Wolverine Bancorp, Inc. WBKC 0 15 0 40
Wellesley Bancorp, Inc. WEBK 79 26 5 63
Washingtonfirst Bankshares, Inc. WFBI 465 90 20 220
Wilshire Bancorp Inc WIBC 0 0 0 583
West Bancorporation Inc WTBA 332 70 29 174
Wvs Financial Corp WVFC 36 5 1 27
Xenith Bankshares, Inc. XBKS 0 0 0 121
Yadkin Financial Corporation YDKN 0 85 19 786
Popular Inc BPOP 5,064 2,159 614 7,810
First Bancshares Inc FBMS 430 103 21 295
Community Choice Financial Inc. CCFI 0 368 -165 3,356
Citizens Financial Group Inc CFG 14,816 5,802 1,692 17,000
Connectone Bancorp, Inc. CNBC 0 142 60 166
General Electric Capital Corp GEH 0 44,497 5,948 47,000
West End Indiana Bancshares, Inc. WEIN 27 11 1 70
Qnb Corp QNBC 134 39 9 172
SUBTOTAL 1,667,529 749,048 138,424 1,892,244


             
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