Bogota Financial (BSBK) vs OptimumBank (OPHC)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
OptimumBank (OPHC) has outperformed Bogota Financial (BSBK) over the past year, gaining 115.3% versus a gain of 0.2%. Over five years, OPHC leads with a +53.9% price change compared with -12.2% for BSBK. Bogota Financial is the larger company by market cap ($115.7 million vs $113.9 million), about 1.0 times the size.
On valuation, OptimumBank trades at a lower forward P/E (6.7x vs 25.9x for Bogota Financial).
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 | BSBK | OPHC |
|---|---|---|
| Share price | $9.07 | $9.02 |
| Market cap | $115.75M | $113.93M |
| 1-day change | -1.09% | -0.77% |
| YTD return | +7.34% | +112.24% |
| 1-year return | +0.22% | +115.27% |
| 5-year return | -12.20% | +53.92% |
| P/E ratio (TTM) | 41.23 | 10.37 |
| Forward P/E | 25.91 | 6.68 |
| EPS (TTM) | $0.22 | $0.87 |
| Dividend yield | 0.00% | 0.00% |
| Annual dividend | $0.00 | $0.00 |
| 52-week high | $9.55 | $10.68 |
| 52-week low | $8.10 | $3.91 |
| Distance from 52-week high | -5.03% | -15.54% |
| Analyst consensus | — | none |
| Avg. price target upside | — | +21.06% |
| Average volume | 7.61K | 124.18K |
| Shares outstanding | 12.76M | 12.63M |
| Employees | 56 | 98 |
| Sector | Financial Services | Financial Services |
| Industry | Banks - Regional | Banks - Regional |
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 BSBK by 115.1 percentage points over the past year.
- Bogota Financial trades at a higher earnings multiple (41.2x vs 10.4x trailing P/E).
About Bogota Financial
BSBK stock →Bogota Financial Corp. operates as the bank holding company for Bogota Savings Bank that provides banking products and services in the United States.
Financial Services · Banks - Regional · 56 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.
Financial Services · Banks - Regional · 98 employees
BSBK vs OPHC FAQ
Which is bigger, Bogota Financial or OptimumBank?
Bogota Financial (BSBK) is larger, with a market capitalization of $115.75M compared with $113.93M for OptimumBank (OPHC).
Which stock has performed better over the past year, BSBK or OPHC?
OPHC returned +115.27% over the past 12 months, compared with +0.22% for BSBK (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, BSBK or OPHC?
OPHC has the lower trailing P/E at 10.4, versus 41.2 for BSBK. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Are Bogota Financial and OptimumBank in the same industry?
Yes. Both are classified in the Banks - Regional industry within the Financial Services sector.