AmeriServ Financial (ASRV) vs OptimumBank (OPHC)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 9, 2026.
Summary
OptimumBank (OPHC) has outperformed AmeriServ Financial (ASRV) over the past year, gaining 111.7% versus a gain of 43.9%. Over five years, OPHC leads with a +48.5% price change compared with +16.5% for ASRV. OptimumBank is the larger company by market cap ($109.9 million vs $74.5 million), about 1.5 times the size.
On valuation, AmeriServ Financial trades at a lower trailing P/E (8.6x vs 10.0x for OptimumBank). AmeriServ Financial pays a dividend yielding 2.73%, while OptimumBank does not currently pay one.
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | ASRV | OPHC |
|---|---|---|
| Share price | $4.39 | $8.70 |
| Market cap | $74.54M | $109.88M |
| 1-day change | -1.35% | -3.55% |
| YTD return | +37.62% | +104.71% |
| 1-year return | +43.93% | +111.68% |
| 5-year return | +16.49% | +48.46% |
| P/E ratio (TTM) | 8.61 | 10.00 |
| Forward P/E | — | 6.44 |
| EPS (TTM) | $0.51 | $0.87 |
| Dividend yield | 2.73% | 0.00% |
| Annual dividend | $0.12 | $0.00 |
| 52-week high | $5.38 | $10.68 |
| 52-week low | $2.86 | $3.91 |
| Distance from 52-week high | -18.40% | -18.54% |
| Analyst consensus | — | none |
| Avg. price target upside | — | +25.52% |
| Average volume | 19.34K | 124.18K |
| Shares outstanding | 16.98M | 12.63M |
| Employees | 297 | 98 |
| Sector | Finance | Finance |
| Industry | Major Banks | Major Banks |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- OPHC has outperformed ASRV by 67.7 percentage points over the past year.
- AmeriServ Financial offers a meaningfully higher dividend yield (2.73% vs 0.00%).
About AmeriServ Financial
ASRV stock →AmeriServ Financial, Inc. operates as the bank holding company for AmeriServ Financial Bank that provides various consumer, mortgage, and commercial financial products in the United States.
Finance · Major Banks · 297 employees
About OptimumBank
OPHC stock →OptimumBank Holdings, Inc. operates as the bank holding company for OptimumBank, which provides various consumer and commercial banking services to individuals and businesses.
Finance · Major Banks · 98 employees
ASRV vs OPHC FAQ
Which is bigger, AmeriServ Financial or OptimumBank?
OptimumBank (OPHC) is larger, with a market capitalization of $109.88M compared with $74.54M for AmeriServ Financial (ASRV).
Which stock has performed better over the past year, ASRV or OPHC?
OPHC returned +111.68% over the past 12 months, compared with +43.93% for ASRV (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, ASRV or OPHC?
ASRV has the lower trailing P/E at 8.6, versus 10.0 for OPHC. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, AmeriServ Financial or OptimumBank?
AmeriServ Financial pays a dividend yielding 2.73%, while OptimumBank does not currently pay a regular dividend.
Are AmeriServ Financial and OptimumBank in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.