How comparing works here
How do I compare two companies?
Type the tickers into the box above — up to five at once. Every row is read from the companies' own annual filings, so a comparison shows the same measure computed the same way for each of them rather than whatever each company chose to highlight.
Can I compare an ETF with a stock?
Yes, and the table changes to suit. Two funds are compared on cost, income, spread and record, because revenue growth and debt mean nothing for a fund. A fund against a company shows only what both of them have.
Side by side
Compare
Put up to 4 companies, funds, commodities or coins next to each other — health, valuation, growth and performance.
Every row is computed the same way for every column, from each company's own annual filing, so a comparison is not a collection of whichever figures each of them chose to put in a press release. Funds are compared on what a fund is actually judged on: cost, income, spread and record.
Relative performance
Rebased so every symbol starts at 0%
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Side by side
Latest annual figures from each company's filings
| Metric | OPHCOptimumBank Holdings, Inc. | BCOW1895 Bancorp of Wisconsin, Inc. /MD/ | PBNKPinnacle Bank | UBOHUNITED BANCSHARES INC/OH | Median of the restexcluding OPHC |
|---|---|---|---|---|---|
| Type | Company | Company | Company | Company | |
| Price | $8.55▼ 0.29 (3.28%) | $18.50▲ 0.01 (0.04%) | $18.40▲ 0.04 (0.22%) | $40.55▲ 0.28 (0.70%) | |
| Health scoreComposite of profitability, growth, debt and accounting quality. | 8.0/10 | 4.0/10 | 6.0/10 | 7.3/10 | 6.0/10 |
| Market value | $98.6M | $112.6M | $109.1M | $127.9M | |
| Revenue | — | — | $37.0M | $1.2M | |
| Profit | $16.6M | -$6.8M | $5.4M | $11.3M | |
| Revenue growthChange in sales versus the prior year. | — | — | -8.0% | 13.0% | 2.5% |
| Gross marginShare of sales left after the direct cost of producing them. | — | — | — | — | — |
| Operating marginShare of sales left after running the business, before interest and tax. | — | — | — | — | — |
| Profit marginProfit kept from each dollar of sales. | — | — | 14.7% | 918.0% | 466.4% |
| Free cash flow marginCash left after capital spending, as a share of sales. | — | — | 34.1% | 1071.4% | 552.8% |
| Return on equityProfit against the owners' stake in the company. | 13.7% | -9.3% | 5.1% | 13.7% | 5.1% |
| Return on invested capital (approx.)Operating profit after tax against equity plus debt, less cash. Cash here excludes short-term investments, so this runs low for cash-rich companies. | — | — | — | — | — |
| P/E ratioPrice paid per dollar of annual profit. | 5.92x | — | 20.02x | 11.31x | 15.66x |
| EV / EBITDA (approx.)Market value plus debt less cash, against operating profit before depreciation. Cash excludes short-term investments, so this runs high for cash-rich companies. | — | — | — | — | — |
| Price to book | 0.81x | 1.55x | 1.03x | 1.55x | 1.55x |
| Debt to equityTotal liabilities compared with owners' stake. | 8.12x | 6.66x | 7.37x | 12.15x | 7.37x |
| Piotroski F-ScoreNine checks of financial strength. Higher is stronger. | 5/5 | 2/5 | 4/6 | 5/6 | 4.0 |
| Bankruptcy riskAltman Z-Score zone. | n/a for banks | n/a for banks | not reported | n/a for banks |
How OPHC compares with the others
- It trades at a lower P/E than the median of the other companies selected: 5.9x against 15.7x.
- Its liabilities are higher relative to equity than the median of the other companies selected: 8.1x against 7.4x.
Measured against the other companies entered, from each one's latest annual filing. A difference describes the companies; it does not rank them.