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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 -1.95 %, 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 -72.92 %

<<  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.

<<  See the full list of OPHC competitors


Competitiveness By Company's Divisions



  

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.
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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 7 5 1 17
Pultegroup Inc PHM 7,296 8,915 526 4,149
Centex Corporation CTX 0 0 0 0
Fifth Third Bancorp FITB 18,270 6,596 2,231 18,351
Bank Of America Corp BAC 278,477 90,141 23,703 224,000
Wells Fargo & Company WFC 253,411 85,846 22,166 264,900
Us Bancorp De USB 88,362 21,057 6,835 66,750
Citigroup Inc C 155,162 72,985 -5,091 241,000
Bank Of New York Mellon Corp BK 49,561 16,102 4,565 50,300
Pnc Financial Services Group, Inc. PNC 62,148 17,052 6,086 53,587
Huntington Bancshares Inc HBAN 16,081 4,397 1,635 11,873
Suntrust Banks Inc STI 28,653 6,826 2,865 26,281
Lennar Corp LEN 12,790 14,744 841 6,825
Kb Home KBH 2,002 4,602 158 1,590
Horton D R Inc DHI 13,246 16,068 1,462 5,621
SOVEREIGN BANCORP, INC. SOV 0 0 0 0
Northern Trust Corp NTRS 21,394 5,904 1,503 15,400
Jpmorgan Chase & Co JPM 372,493 100,004 26,155 241,359
General Electric Company GE 66,596 119,739 -32,984 305,000
Regions Financial Corp RF 17,334 5,640 1,560 23,723
Peoples United Financial, Inc. PBCT 5,476 1,533 441 4,856
MARSHALL & ILSLEY CORPORATION MI 0 0 0 0
COMMERCE BANCORP, INC. CBH 0 0 0 0
First Horizon National Corp FHN 5,282 1,785 393 4,310
Capital One Financial Corp COF 42,054 21,390 3,366 46,000
Slm Corporation SLM 4,346 1,043 359 1,000
Zions Bancorporation, National Association ZION 9,749 2,791 783 10,462
Anchor Bancorp Wisconsin Inc ABCW 0 0 0 527
Acnb Corp ACNB 264 71 19 296
Anchor Bancorp ANCB 64 22 2 114
Associated Banc-corp ASB 3,798 1,063 239 4,383
Ameriserv Financial Inc ASRV 78 50 5 341
Ames National Corporation ATLO 253 49 15 208
Auburn National Bancorporation, Inc AUBN 135 29 8 157
Avenue Financial Holdings, Inc. AVNU 0 0 0 147
Banc Of California, Inc. BANC 2,682 287 68 1,679
Bancfirst Corp BANF 1,850 373 113 1,744
Banner Corporation BANR 1,908 472 85 1,918
Bay Banks Of Virginia Inc BAYK 114 34 1 134
Hope Bancorp Inc BBCN 0 542 163 938
Bbva Compass Bancshares, Inc BBVA 0 3,309 620 10,553
Bridge Bancorp Inc BDGE 580 135 18 433
Bar Harbor Bankshares BHB 376 116 32 205
Blue Hills Bancorp, Inc. BHBK 586 89 20 209
Berkshire Hills Bancorp Inc BHLB 1,560 450 78 1,221
Bancorp Of New Jersey, Inc. BKJ 109 26 4 74
Bank Of South Carolina Corp BKSC 111 19 6 81
Bsb Bancorp, Inc. BLMT 255 63 20 123
Bank Of Marin Bancorp BMRC 571 97 24 259
Bryn Mawr Bank Corp BMTC 787 209 40 488
Bnc Bancorp BNCN 1,812 264 63 850
C1 Financial, Inc. BNK 0 0 0 229
Bank Of Commerce Holdings BOCH 200 50 11 168
Bank Of Hawaii Corp BOH 3,245 634 209 2,200
Bank Of The James Financial Group Inc BOTJ 60 27 4 125
Boston Private Financial Holdings Inc BPFH 1,099 378 33 890
Sierra Bancorp BSRR 423 111 26 352
First Busey Corp BUSE 1,349 322 80 795
Bankwell Financial Group, Inc. BWFG 231 60 16 123
Bancorpsouth Inc BXS 2,704 742 153 4,002
Bay Bancorp, Inc. BYBK 285 30 5 144
Baylake Corp BYLK 0 0 0 261
Camden National Corp CAC 643 156 36 652
Cascade Bancorp CACB 0 127 22 513
Carolina Financial Corp CARO 763 166 41 421
Cathay General Bancorp CATY 3,163 589 233 1,122
Colony Bankcorp Inc CBAN 144 50 9 321
Capital Bank Financial Corp. CBF 2,222 384 83 1,291
Cb Financial Services, Inc. CBFV 140 40 6 198
Consumers Bancorp Inc CBKM 64 20 4 111
Cape Bancorp, Inc. CBNJ 0 0 0 230
Chicopee Bancorp, Inc. CBNK 0 0 0 112
Community Bank System, Inc. CBU 3,285 554 200 2,207
Capital City Bank Group Inc CCBG 421 138 18 894
Cnb Financial Corp CCNE 393 115 28 454
Centrue Financial Corp CFCB 181 42 6 214
C & F Financial Corp CFFI 189 96 11 598
Cardinal Financial Corp CFNL 0 0 0 851
City Holding Co CHCO 1,162 197 69 853
Chemical Financial Corp CHFC 3,339 734 219 2,100
Chemung Financial Corp CHMG 208 74 12 377
Civista Bancshares, Inc. CIVB 251 74 11 326
Citizens Holding Co CIZN 106 36 4 236
Carolina Bank Holdings Inc CLBH 0 0 0 192
Cortland Bancorp Inc CLDB 90 27 7 148
Community Bancorp CMTV 85 30 8 127
Century Bancorp Inc CNBKA 449 106 26 374
Cincinnati Bancorp CNNB 22 7 1 29
Communityone Bancorp COB 0 0 0 544
Cobiz Financial Inc COBZ 934 172 47 532
Columbia Banking System Inc COLB 2,792 536 144 1,868
Central Pacific Financial Corp CPF 805 210 48 876
Carroll Bancorp, Inc. CROL 0 0 0 26
Cornerstone Bancshares Inc CSBQ 0 0 0 225
Centerstate Bank Corporation CSFL 2,050 351 75 784
Choiceone Financial Services Inc COFS 92 29 7 151
Community Shores Bank Corp CSHB 0 0 0 51
Community Trust Bancorp Inc CTBI 798 186 58 984
Customers Bancorp, Inc. CUBI 675 347 75 517
Cu Bancorp CUNB 662 115 32 265
Cvb Financial Corp CVBF 2,928 356 127 100
Central Valley Community Bancorp CVCY 271 72 16 282
Community West Bancshares CWBC 90 37 6 107
Citizens First Corp CZFC 61 20 5 98
Citizens Financial Services Inc CZFS 216 53 16 229
Citizens & Northern Corp CZNC 309 63 18 283
Dnb Financial Corp DNBF 150 41 8 118
Meridian Bancorp, Inc. EBSB 842 176 52 396
Enterprise Bancorp Inc EBTC 359 120 25 426
Enterprise Financial Services Corp EFSC 1,023 231 73 459
Eagle Financial Services Inc EFSI 113 36 9 108
Eagle Bancorp Inc EGBN 1,871 326 128 434
Emclaire Financial Corp EMCF 78 27 5 122
Enb Financial Corp ENBP 101 43 8 239
Entegra Financial Corp. ENFC 160 53 7 219
Essa Bancorp, Inc. ESSA 175 52 5 248
Community Bankers Trust Corp ESXB 189 51 10 236
Evans Bancorp Inc EVBN 196 60 13 258
Eastern Virginia Bankshares Inc EVBS 196 53 7 311
First Connecticut Bancorp, Inc. FBNK 465 96 19 343
Fauquier Bankshares, Inc. FBSS 83 29 4 139
Fcb Financial Holdings, Inc. FCB 1,830 367 145 649
First Community Bankshares Inc FCBC 553 115 28 673
First Community Corp FCCO 174 45 9 186
First Commonwealth Financial Corp FCF 1,377 341 81 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 1,674 356 97 1,471
Flushing Financial Corporation FFIC 635 177 49 427
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 164 49 15 107
First Foundation Inc. FFWM 718 179 31 295
First Farmers & Merchants Corp FIME 0 0 0 226
Financial Institutions Inc FISI 462 143 39 691
First Of Long Island Corp FLIC 531 102 39 302
First Mid Illinois Bancshares Inc FMBH 541 127 31 513
Farmers National Banc Corp FMNB 368 98 27 432
First Bancorp, Inc FNLC 303 60 21 783
First Northern Community Bancorp FNRN 153 48 10 212
First Northwest Bancorp FNWB 154 39 5 157
Four Oaks Fincorp Inc FOFN 125 31 8 179
Republic First Bancorp Inc FRBK 388 91 9 277
First Merchants Corp FRME 2,017 399 142 1,529
Fsb Bancorp, Inc. FSBC 28 11 0 0
First South Bancorp Inc FSBK 178 48 9 298
Fs Bancorp, Inc. FSBW 175 67 16 239
First Security Group Inc FSGI 0 0 0 268
First United Corp FUNC 132 56 7 364
First West Virginia Bancorp Inc FWV 0 0 0 98
Fox Chase Bancorp Inc FXCB 0 0 0 126
German American Bancorp, Inc. GABC 716 139 47 596
Guaranty Bancorp GBNK 735 158 50 376
Greene County Bancorp Inc GCBC 270 43 15 124
Guaranty Federal Bancshares Inc GFED 106 36 5 138
Glen Burnie Bancorp GLBZ 33 13 1 93
Green Bancorp, Inc. GNBC 705 158 44 353
Georgetown Bancorp, Inc. GTWN 0 11 0 45
Hanmi Financial Corp HAFC 686 206 58 609
Home Bancorp, Inc. HBCP 343 99 27 143
Highlands Bankshares Inc HBKA 0 24 -1 211
Howard Bancorp Inc HBMD 284 73 -2 253
Horizon Bancorp Inc HBNC 643 164 48 558
Hudson City Bancorp Inc HCBK 0 0 0 1,507
Heritage Oaks Bancorp HEOP 0 0 0 283
Hopfed Bancorp Inc HFBC 91 36 4 243
Heritage Financial Corp HFWA 1,251 200 46 717
Xenith Bankshares, Inc. HMPR 0 101 68 533
Homestreet, Inc. HMST 686 477 34 2,139
Hometown Bankshares Corp HMTA 84 21 4 96
Heritage Commerce Corp HTBK 628 118 23 260
Heartland Financial Usa Inc HTLF 1,848 485 99 1,799
Hawthorn Bancshares, Inc. HWBK 137 52 6 313
Independent Bank Corp IBCP 551 152 32 1,051
Independent Bank Group, Inc. IBTX 1,724 351 113 587
Investar Holding Corp ISTR 244 57 13 168
Jacksonville Bancorp Inc JAXB 0 0 0 69
Keycorp KEY 19,363 6,026 1,298 13,853
Kentucky Bancshares Inc KTYB 151 48 12 243
Landmark Bancorp Inc LARK 110 42 10 291
Lakeland Bancorp Inc LBAI 771 189 61 551
Lcnb Corp. LCNB 210 55 13 280
Fidelity Southern Corp LION 617 278 46 1,242
Lakeland Financial Corp LKFN 1,158 179 71 518
Live Oak Bancshares, Inc. LOB 773 273 113 327
Laporte Bancorp, Inc. LPSB 0 0 0 102
Macatawa Bank Corp MCBC 343 75 22 342
Middlefield Banc Corp. MBCN 145 42 11 143
Mbt Financial Corp MBTF 262 59 14 294
Merchants Bancshares Inc MBVT 0 0 0 291
Mercantile Bank Corporation MBWM 521 134 38 558
Melrose Bancorp, Inc. MELR 47 8 2 26
Metro Bancorp, Inc. METR 0 0 0 878
Mutualfirst Financial Inc MFSF 305 76 15 391
Malvern Bancorp, Inc. MLVF 125 29 7 71
Monarch Financial Holdings, Inc. MNRK 0 0 0 643
Midwestone Financial Group, Inc. MOFG 351 110 20 648
Mid Penn Bancorp Inc MPB 200 54 6 229
Mainsource Financial Group MSFG 1,058 195 49 841
Midsouth Bancorp Inc MSL 213 76 -16 536
M&t Bank Corp MTB 24,059 5,719 1,613 14,609
Mvb Financial Corp MVBF 236 86 10 371
Mw Bancorp, Inc. MWBC 26 4 1 12
Newbridge Bancorp NBBC 0 0 0 487
Northeast Bancorp NBN 166 59 16 174
National Bankshares Inc NKSH 305 48 14 225
New Bancorp, Inc. NWBB 12 5 0 26
Norwood Financial Corp NWFL 228 42 11 136
Northwest Indiana Bancorp NWIN 137 40 9 179
New York Community Bancorp Inc NYB 0 1,130 457 3,448
Southwest Bancorp Inc OKSB 534 96 22 412
Old Line Bancshares Inc OLBK 505 91 23 233
Ameris Bancorp ABCB 2,025 424 97 1,304
Old Point Financial Corp OPOF 141 43 1 296
Oritani Financial Corp. ORIT 682 114 44 209
Orrstown Financial Services Inc ORRF 171 69 12 294
Old Second Bancorp Inc OSBC 431 117 22 450
Ottawa Bancorp Inc OTTW 44 11 1 42
Ohio Valley Banc Corp OVBC 170 51 9 248
Oak Valley Bancorp OVLY 138 42 10 167
Pathfinder Bancorp, Inc. PBHC 64 28 4 118
Porter Bancorp, Inc. PBIB 89 37 39 244
Prudential Bancorp, Inc. PBIP 161 26 4 67
Pacific Continental Corp PCBK 642 101 29 322
Peoples Bancorp Of North Carolina Inc PEBK 167 57 12 284
Peoples Bancorp Inc. PEBO 664 122 41 817
Premier Financial Bancorp Inc PFBI 248 66 18 344
Peoples Financial Corp PFBX 73 23 2 161
Peoples Financial Services Corp. PFIS 313 79 21 348
Peapack Gladstone Financial Corp PGC 524 154 44 316
Parke Bancorp, Inc. PKBK 212 47 19 65
Palmetto Bancshares Inc PLMT 0 0 0 286
Pacific Mercantile Bancorp PMBC 192 52 25 156
Patriot National Bancorp Inc PNBK 73 29 3 95
Pacific Premier Bancorp Inc PPBI 1,856 378 100 332
Park Sterling Corp PSTB 689 137 28 493
Peoples Utah Bancorp PUB 623 115 31 362
Penns Woods Bancorp Inc PWOD 200 55 11 308
Qcr Holdings Inc QCRH 575 152 37 406
Quaint Oak Bancorp Inc QNTO 26 12 2 52
Republic Bancorp Inc RBCAA 906 254 65 785
Royal Bancshares Of Pennsylvania Inc RBPAA 129 30 12 119
Sandy Spring Bancorp Inc SASR 1,261 291 84 737
Sb One Bancorp SBBX 191 49 8 119
Seacoast Banking Corp Of Florida SBCF 1,260 252 64 665
Southside Bancshares Inc SBSI 1,128 200 67 683
Sbt Bancorp, Inc. SBTB 50 17 2 89
Servisfirst Bancshares, Inc. SFBS 1,977 252 122 371
Southern First Bancshares Inc SFST 287 67 19 167
Southwest Georgia Financial Corp SGB 58 22 4 107
Shore Bancshares Inc SHBI 205 67 16 283
Select Bancorp, Inc. SLCT 191 49 7 153
Southern Missouri Bancorp, Inc. SMBC 297 76 23 289
Summit Financial Group Inc SMMF 261 84 23 231
Southcoast Financial Corp SOCB 0 0 0 85
Southern National Bancorp Of Virginia Inc SONA 378 96 25 181
1st Source Corp SRCE 1,214 287 79 1,150
Stewardship Financial Corp SSFN 86 33 6 121
State Bank Financial Corp STBZ 925 258 59 664
State Street Corp STT 27,008 11,712 2,371 29,970
Suffolk Bancorp SUBK 0 0 0 337
Stock Yards Bancorp, Inc. SYBT 722 153 46 555
Bancorp, Inc. TBBK 561 271 69 762
Trico Bancshares TCBK 1,123 242 49 1,011
Community Financial Corp TCFC 165 52 7 171
First Financial Corp THFF 565 147 38 896
Tompkins Financial Corp TMP 1,209 282 66 998
Two River Bancorp TRCB 132 39 8 143
Trustco Bank Corp N Y TRST 742 176 53 787
Tristate Capital Holdings, Inc. TSC 725 158 51 192
United Bancorp Inc UBCP 64 21 4 111
United Security Bancshares UBFO 172 39 12 129
United Financial Bancorp, Inc. UBNK 801 216 57 697
United Community Financial Corp UCFC 466 108 32 428
Unity Bancorp Inc UNTY 241 59 19 150
Univest Corp Of Pennsylvania UVSP 725 191 42 717
Virginia National Bankshares Corp VABK 106 28 8 94
Village Bank & Trust Financial Corp. VBFC 50 23 -2 157
Veritex Holdings, Inc. VBTX 585 114 33 145
Westbury Bancorp, Inc. WBB 75 27 3 128
Wolverine Bancorp, Inc. WBKC 0 15 0 40
Wellesley Bancorp, Inc. WEBK 77 26 5 63
Washingtonfirst Bankshares, Inc. WFBI 465 90 20 220
Wilshire Bancorp Inc WIBC 0 0 0 583
West Bancorporation Inc WTBA 341 70 25 174
Wvs Financial Corp WVFC 26 7 2 27
Xenith Bankshares, Inc. XBKS 0 0 0 121
Yadkin Financial Corp YDKN 0 0 0 786
Popular Inc BPOP 5,384 1,974 406 7,810
First Bancshares Inc FBMS 461 96 17 295
Community Choice Financial Inc. CCFI 0 368 -165 3,356
Citizens Financial Group Inc CFG 16,826 5,695 1,908 17,000
Connectone Bancorp, Inc. CNBC 0 141 52 166
General Electric Capital Corp GEH 0 0 0 47,000
West End Indiana Bancshares, Inc. WEIN 29 11 1 70
Qnb Corp QNBC 158 39 9 172
SUBTOTAL 1,753,725 692,024 85,994 1,892,244
     
       
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