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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 Q2 2019



Comparing the results to its competitors, Optimumbank Holdings Inc reported Total Revenue decrease in the 2 quarter 2019 year on year by -70.96 %, despite revenue increase by most of its competitors of 1.15 %, recorded in the same quarter.

List of OPHC Competitors





Revenue Growth Comparisons




Net Income Comparison


Optimumbank Holdings, Inc. recorded net loss , despite income increase by most of its competitors of 3.56 %

<<  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 Q2 2019

Total segment, revenue fell by -70.96 % 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.


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 4 3 -1 17
Pultegroup Inc PHM 9,069 10,134 935 4,149
Qwest Corp CTX 0 8,418 1,772 0
Fifth Third Bancorp FITB 19,498 6,994 2,131 18,351
Bank Of America Corporation BAC 261,025 91,601 29,104 224,000
Wells Fargo & Company WFC 204,006 83,665 23,729 264,900
Us Bancorp De USB 84,217 21,362 7,220 66,750
Citigroup Inc C 148,121 72,847 18,466 241,000
The Bank Of New York Mellon Corporation BK 0 15,881 4,339 50,300
Pnc Financial Services Group, Inc. PNC 58,076 17,422 5,396 53,587
Huntington Bancshares Inc HBAN 13,986 4,331 1,425 11,873
Suntrust Banks Inc STI 27,518 9,119 2,687 26,281
Lennar Corp LEN 16,262 21,563 1,683 6,825
Kb Home KBH 2,547 4,407 262 1,590
Horton D R Inc DHI 18,232 17,059 1,584 5,621
SOVEREIGN BANCORP, INC. SOV 0 0 0 0
Northern Trust Corporation NTRS 19,274 5,985 1,521 15,400
Jpmorgan Chase & Co JPM 355,601 105,099 31,663 241,359
General Electric Co GE 52,948 118,968 -18,250 305,000
Regions Financial Corporation RF 14,555 5,465 1,754 23,723
Peopleâ??s United Financial, Inc. PBCT 5,778 1,671 498 4,856
MARSHALL & ILSLEY CORPORATION MI 0 0 0 0
COMMERCE BANCORP, INC. CBH 0 0 0 0
First Horizon National Corporation FHN 4,999 2,051 607 4,310
Capital One Financial Corp COF 41,206 22,767 6,252 46,000
Slm Corp SLM 3,581 1,216 560 1,000
Zions Bancorporation, National Association ZION 7,742 2,804 860 10,462
Anchor Bancorp Wisconsin Inc ABCW 0 0 0 527
Acnb Corp ACNB 246 74 24 296
Anchor Bancorp ANCB 63 22 2 114
Associated Banc-corp ASB 3,157 1,222 346 4,383
Ameriserv Financial Inc ASRV 73 51 8 341
Ames National Corporation ATLO 245 51 18 208
Auburn National Bancorporation, Inc AUBN 142 30 9 157
Avenue Financial Holdings, Inc. AVNU 0 0 0 147
Banc Of California, Inc. BANC 1,065 277 66 1,679
Bancfirst Corp BANF 1,802 393 132 1,744
Banner Corporation BANR 1,905 574 148 1,918
Bay Banks Of Virginia Inc BAYK 107 36 5 134
Hope Bancorp Inc BBCN 0 524 181 938
Bbva Compass Bancshares, Inc BBVA 0 3,233 696 10,553
Bridge Bancorp Inc BDGE 564 146 38 433
Bar Harbor Bankshares BHB 358 115 32 205
Blue Hills Bancorp, Inc. BHBK 593 82 16 209
Berkshire Hills Bancorp Inc BHLB 1,449 470 107 1,221
Bancorp Of New Jersey, Inc. BKJ 116 26 6 74
Bank Of South Carolina Corp BKSC 103 20 7 81
Bsb Bancorp, Inc. BLMT 308 60 17 123
Bank Of Marin Bancorp BMRC 576 104 34 259
Bryn Mawr Bank Corp BMTC 720 216 60 488
Bnc Bancorp BNCN 1,812 264 63 850
C1 Financial, Inc. BNK 0 0 0 229
Bank Of Commerce Holdings BOCH 185 55 15 168
Bank Of Hawaii Corp BOH 3,371 656 227 2,200
Bank Of The James Financial Group Inc BOTJ 65 29 5 125
Boston Private Financial Holdings Inc BPFH 899 364 92 890
Sierra Bancorp BSRR 387 114 33 352
First Busey Corporation BUSE 1,416 361 108 795
Bankwell Financial Group, Inc. BWFG 198 59 19 123
Bancorpsouth Inc BXS 2,628 667 94 4,002
Bay Bancorp, Inc. BYBK 285 30 5 144
Baylake Corp BYLK 0 0 0 261
Camden National Corp CAC 660 162 56 652
Cascade Bancorp CACB 0 127 22 513
Carolina Financial Corporation CARO 766 174 60 421
Cathay General Bancorp CATY 2,725 615 282 1,122
Colony Bankcorp Inc CBAN 146 53 11 321
Capital Bank Financial Corp. CBF 2,182 302 39 1,291
Cb Financial Services, Inc. CBFV 140 50 11 198
Consumers Bancorp Inc CBKM 48 22 6 111
Cape Bancorp, Inc. CBNJ 0 0 0 230
Capital Bancorp Inc CBNK 169 84 15 112
Community Bank System, Inc. CBU 3,232 567 171 2,207
Capital City Bank Group Inc CCBG 403 145 26 894
Cnb Financial Corp CCNE 413 129 37 454
Centrue Financial Corp CFCB 181 42 6 214
C & F Financial Corp CFFI 159 99 19 598
Cardinal Financial Corp CFNL 0 0 0 851
City Holding Company CHCO 1,243 219 76 853
Chemical Financial Corporation CHFC 3,048 759 277 2,100
Chemung Financial Corp CHMG 200 82 22 377
Civista Bancshares, Inc. CIVB 355 101 22 326
Citizens Holding Co CIZN 100 33 6 236
Carolina Bank Holdings Inc CLBH 0 0 0 192
Cortland Bancorp Inc CLDB 100 28 7 148
Community Bancorp CMTV 84 31 9 127
Century Bancorp Inc CNBKA 454 110 38 374
Cincinnati Bancorp CNNB 28 10 2 29
Communityone Bancorp COB 0 0 0 544
Cobiz Financial Inc COBZ 926 135 27 532
Columbia Banking System, Inc. COLB 2,495 575 189 1,868
Central Pacific Financial Corp CPF 812 219 61 876
Carroll Bancorp, Inc. CROL 0 0 0 26
Cornerstone Bancshares Inc CSBQ 0 0 0 225
Centerstate Bank Corporation CSFL 3,021 587 176 784
Choiceone Financial Services Inc COFS 105 30 7 151
Community Shores Bank Corp CSHB 0 0 0 51
Community Trust Bancorp Inc CTBI 719 189 65 984
Customers Bancorp, Inc. CUBI 597 287 49 517
Cu Bancorp CUNB 662 115 32 265
Cvb Financial Corp CVBF 2,899 475 188 100
Central Valley Community Bancorp CVCY 274 76 22 282
Community West Bancshares CWBC 84 36 7 107
Citizens First Corp CZFC 65 19 5 98
Citizens Financial Services Inc CZFS 205 54 18 229
Citizens & Northern Corp CZNC 328 70 22 283
Dnb Financial Corp DNBF 183 41 11 118
Meridian Bancorp, Inc. EBSB 929 174 60 396
Enterprise Bancorp Inc EBTC 338 124 31 426
Enterprise Financial Services Corp EFSC 1,065 245 81 459
Eagle Financial Services Inc EFSI 106 36 9 108
Eagle Bancorp, Inc. EGBN 1,377 338 150 434
Emclaire Financial Corp EMCF 91 31 6 122
Enb Financial Corp ENBP 114 45 10 239
Entegra Financial Corp. ENFC 212 56 13 219
Essa Bancorp, Inc. ESSA 156 53 12 248
Community Bankers Trust Corp ESXB 176 53 14 236
Evans Bancorp Inc EVBN 173 66 17 258
Eastern Virginia Bankshares Inc EVBS 196 53 7 311
First Connecticut Bancorp, Inc. FBNK 459 94 17 343
Fauquier Bankshares, Inc. FBSS 79 29 6 139
Fcb Financial Holdings, Inc. FCB 1,598 330 126 649
First Community Bankshares Inc FCBC 534 117 38 673
First Community Corp FCCO 144 47 11 186
First Commonwealth Financial Corp FCF 1,235 331 104 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 2,364 584 204 1,471
Flushing Financial Corporation FFIC 567 168 47 427
Farmers Capital Bank Corp FFKT 428 79 14 501
First Federal Of Northern Michigan Bancorp, Inc. FFNM 0 0 0 83
First Financial Northwest, Inc. FFNW 138 43 10 107
First Foundation Inc. FFWM 653 204 53 295
First Farmers & Merchants Corp FIME 0 0 0 226
Financial Institutions Inc FISI 474 160 45 691
The First Of Long Island Corporation FLIC 539 108 42 302
First Mid Bancshares, Inc. FMBH 537 160 43 513
Farmers National Banc Corp FMNB 389 103 33 432
First Bancorp, Inc FNLC 275 64 26 783
First Northern Community Bancorp FNRN 137 51 13 212
First Northwest Bancorp FNWB 160 43 8 157
Four Oaks Fincorp Inc FOFN 125 31 8 179
Republic First Bancorp Inc FRBK 157 98 7 277
First Merchants Corp FRME 1,811 419 163 1,529
Fsb Bancorp, Inc. FSBC 27 10 0 0
First South Bancorp Inc FSBK 178 48 9 298
Fs Bancorp, Inc. FSBW 224 88 25 239
First Security Group Inc FSGI 0 0 0 268
First United Corp FUNC 150 59 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 771 168 54 596
Guaranty Bancorp GBNK 435 77 14 376
Greene County Bancorp Inc GCBC 232 39 14 124
Guaranty Federal Bancshares Inc GFED 106 40 8 138
Glen Burnie Bancorp GLBZ 31 14 2 93
Green Bancorp, Inc. GNBC 642 147 36 353
Georgetown Bancorp, Inc. GTWN 0 11 0 45
Hanmi Financial Corp HAFC 559 201 58 609
Home Bancorp, Inc. HBCP 337 99 31 143
Highlands Bankshares Inc HBKA 0 23 4 211
Howard Bancorp Inc HBMD 270 83 10 253
Horizon Bancorp Inc HBNC 735 177 54 558
Hudson City Bancorp Inc HCBK 0 1,681 185 1,507
Heritage Oaks Bancorp HEOP 0 0 0 283
Hopfed Bancorp Inc HFBC 123 36 5 243
Heritage Financial Corp HFWA 1,003 230 65 717
Xenith Bankshares, Inc. HMPR 0 101 68 533
Homestreet, Inc. HMST 700 332 20 2,139
Hometown Bankshares Corp HMTA 84 21 3 96
Heritage Commerce Corp HTBK 500 139 49 260
Heartland Financial Usa, Inc. HTLF 1,579 525 143 1,799
Hawthorn Bancshares, Inc. HWBK 143 54 14 313
Independent Bank Corp IBCP 467 160 42 1,051
Independent Bank Group, Inc. IBTX 2,162 468 157 587
Investar Holding Corp ISTR 239 64 16 168
Jacksonville Bancorp Inc JAXB 0 0 0 69
Keycorp KEY 16,746 6,099 1,798 13,853
Kentucky Bancshares Inc KTYB 140 48 12 243
Landmark Bancorp Inc LARK 100 43 10 291
Lakeland Bancorp, Inc LBAI 776 207 65 551
Lcnb Corp. LCNB 230 62 17 280
Fidelity Southern Corp LION 861 274 38 1,242
Lakeland Financial Corporation LKFN 1,139 194 85 518
Live Oak Bancshares, Inc. LOB 744 178 32 327
Laporte Bancorp, Inc. LPSB 0 0 0 102
Macatawa Bank Corp MCBC 337 81 30 342
Middlefield Banc Corp. MBCN 152 45 13 143
Mbt Financial Corp MBTF 234 50 10 294
Merchants Bancshares Inc MBVT 0 0 0 291
Mercantile Bank Corporation MBWM 528 138 42 558
Melrose Bancorp, Inc. MELR 43 8 2 26
Metro Bancorp, Inc. METR 0 0 0 878
Mutualfirst Financial Inc MFSF 275 84 22 391
Malvern Bancorp, Inc. MLVF 162 29 10 71
Monarch Financial Holdings, Inc. MNRK 0 0 0 643
Midwestone Financial Group, Inc. MOFG 451 137 34 648
Mid Penn Bancorp Inc MPB 198 77 15 229
Mainsource Financial Group MSFG 1,058 195 49 841
Midsouth Bancorp Inc MSL 177 57 -36 536
M&t Bank Corp MTB 20,365 6,001 1,945 14,609
Mvb Financial Corp MVBF 220 109 25 371
Mw Bancorp, Inc. MWBC 26 4 1 12
Newbridge Bancorp NBBC 0 0 0 487
Northeast Bancorp NBN 190 65 19 174
National Bankshares Inc NKSH 222 45 18 225
New Bancorp, Inc. NWBB 18,795 6 1 26
Norwood Financial Corp NWFL 206 43 14 136
Northwest Indiana Bancorp NWIN 152 47 10 179
New York Community Bancorp Inc NYB 0 1,262 469 3,448
Southwest Bancorp Inc OKSB 534 96 22 412
Old Line Bancshares Inc OLBK 449 107 30 233
Ameris Bancorp ABCB 1,725 512 164 1,304
Old Point Financial Corp OPOF 119 44 7 296
Oritani Financial Corp. ORIT 751 111 53 209
Orrstown Financial Services, Inc. ORRF 224 83 11 294
Old Second Bancorp Inc OSBC 361 124 36 450
Ottawa Bancorp Inc OTTW 39 11 2 42
Ohio Valley Banc Corp OVBC 152 49 9 248
Oak Valley Bancorp OVLY 147 45 12 167
Pathfinder Bancorp, Inc. PBHC 60 29 3 118
Porter Bancorp, Inc. PBIB 89 37 39 244
Prudential Bancorp, Inc. PBIP 150 27 9 67
Pacific Continental Corp PCBK 642 101 29 322
Peoples Bancorp Of North Carolina Inc PEBK 163 62 14 284
Peoples Bancorp Inc. PEBO 622 122 41 817
Premier Financial Bancorp Inc PFBI 226 71 23 344
Peoples Financial Corp PFBX 65 23 0 161
Peoples Financial Services Corp. PFIS 323 84 27 348
Peapack Gladstone Financial Corp PGC 539 161 44 316
Parke Bancorp, Inc. PKBK 241 54 28 65
Palmetto Bancshares Inc PLMT 0 0 0 286
Pacific Mercantile Bancorp PMBC 181 51 12 156
Patriot National Bancorp Inc PNBK 55 25 0 95
Pacific Premier Bancorp Inc PPBI 1,818 440 133 332
Park Sterling Corp PSTB 689 137 28 493
Peoples Utah Bancorp PUB 510 115 43 362
Penns Woods Bancorp Inc PWOD 197 58 16 308
Qcr Holdings Inc QCRH 584 200 51 406
Quaint Oak Bancorp Inc QNTO 25 13 2 52
Republic Bancorp Inc RBCAA 902 267 82 785
Royal Bancshares Of Pennsylvania Inc RBPAA 129 30 12 119
Sandy Spring Bancorp, Inc. SASR 1,210 322 113 737
Sb One Bancorp SBBX 216 59 15 119
Seacoast Banking Corporation Of Florida SBCF 1,284 272 78 665
Southside Bancshares Inc SBSI 1,128 205 75 683
Sbt Bancorp, Inc. SBTB 71 17 2 89
Servisfirst Bancshares, Inc. SFBS 1,651 272 141 371
Southern First Bancshares Inc SFST 291 74 25 167
Southwest Georgia Financial Corp SGB 51 23 5 107
Shore Bancshares Inc SHBI 197 56 25 283
Select Bancorp, Inc. SLCT 207 53 16 153
Southern Missouri Bancorp, Inc. SMBC 0 60 20 289
Summit Financial Group Inc SMMF 324 91 30 231
Southcoast Financial Corp SOCB 0 0 0 85
Southern National Bancorp Of Virginia Inc SONA 363 96 32 181
1st Source Corp SRCE 1,161 300 87 1,150
Stewardship Financial Corp SSFN 135 32 7 121
State Bank Financial Corp STBZ 822 236 52 664
State Street Corp STT 19,030 11,481 2,205 29,970
Suffolk Bancorp SUBK 0 0 0 337
Stock Yards Bancorp, Inc. SYBT 840 164 61 555
Bancorp, Inc. TBBK 553 283 98 762
Trico Bancshares TCBK 1,119 301 85 1,011
Community Financial Corp TCFC 177 54 14 171
First Financial Corp THFF 512 147 45 896
Tompkins Financial Corp TMP 1,195 284 80 998
Two River Bancorp TRCB 165 42 12 143
Trustco Bank Corp N Y TRST 752 178 60 787
Tristate Capital Holdings, Inc. TSC 568 171 59 192
United Bancorp Inc UBCP 64 23 5 111
United Security Bancshares UBFO 178 43 16 129
United Financial Bancorp, Inc. UBNK 637 210 38 697
United Community Financial Corp UCFC 465 113 38 428
Unity Bancorp Inc UNTY 216 62 22 150
Univest Financial Corporation UVSP 763 220 66 717
Virginia National Bankshares Corp VABK 97 26 7 94
Village Bank & Trust Financial Corp. VBFC 50 25 3 157
Veritex Holdings, Inc. VBTX 1,272 210 53 145
Westbury Bancorp, Inc. WBB 135 23 0 128
Wolverine Bancorp, Inc. WBKC 0 15 0 40
Wellesley Bancorp, Inc. WEBK 81 28 6 63
Washingtonfirst Bankshares, Inc. WFBI 465 90 20 220
Wilshire Bancorp Inc WIBC 0 0 0 583
West Bancorporation Inc WTBA 338 72 28 174
Wvs Financial Corp WVFC 30 7 3 27
Xenith Bankshares, Inc. XBKS 0 0 0 121
Yadkin Financial Corporation YDKN 0 85 19 786
Popular, Inc. BPOP 5,080 2,275 582 7,810
First Bancshares Inc FBMS 537 126 32 295
Community Choice Financial Inc. CCFI 0 454 -176 3,356
Citizens Financial Group Inc CFG 14,881 5,949 1,746 17,000
Connectone Bancorp, Inc. CNBC 0 162 68 166
General Electric Capital Corp GEH 0 44,497 5,948 47,000
West End Indiana Bancshares, Inc. WEIN 34 12 1 70
Qnb Corp QNBC 129 41 12 172
SUBTOTAL 1,589,676 766,610 151,152 1,892,244


             
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