FinWise Bancorp (FINW) 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 FinWise Bancorp (FINW) over the past year, gaining 119.0% versus a loss of 40.9%. FinWise Bancorp is the larger company by market cap ($150.2 million vs $113.9 million), about 1.3 times the size. On valuation, OptimumBank trades at a lower forward P/E (6.7x vs 10.7x for FinWise Bancorp).
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 | FINW | OPHC |
|---|---|---|
| Share price | $10.82 | $9.02 |
| Market cap | $150.21M | $113.93M |
| 1-day change | -0.55% | -0.77% |
| YTD return | -39.35% | +113.88% |
| 1-year return | -40.90% | +119.04% |
| 5-year return | — | +55.12% |
| P/E ratio (TTM) | 11.27 | 10.37 |
| Forward P/E | 10.68 | 6.68 |
| EPS (TTM) | $0.96 | $0.87 |
| Dividend yield | 0.00% | 0.00% |
| Annual dividend | $0.00 | $0.00 |
| 52-week high | $19.86 | $10.68 |
| 52-week low | $10.77 | $3.91 |
| Distance from 52-week high | -45.52% | -15.54% |
| Analyst consensus | none | none |
| Avg. price target upside | +50.92% | +21.06% |
| Average volume | 30.26K | 123.65K |
| Shares outstanding | 13.88M | 12.63M |
| Employees | 206 | 98 |
| Sector | Finance | Financial Services |
| Industry | Major Banks | 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 FINW by 159.9 percentage points over the past year.
- The two companies sit in different sectors: FinWise Bancorp in Finance and OptimumBank in Financial Services.
About FinWise Bancorp
FINW stock →FinWise Bancorp operates as the bank holding company for FinWise Bank that provides various banking products and services to individual and corporate customers in Utah. The company operates in three segments: Traditional Banking; BaaS and Treasury; and Administration.
Finance · Major Banks · 206 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
FINW vs OPHC FAQ
Which is bigger, FinWise Bancorp or OptimumBank?
FinWise Bancorp (FINW) is larger, with a market capitalization of $150.21M compared with $113.93M for OptimumBank (OPHC).
Which stock has performed better over the past year, FINW or OPHC?
OPHC returned +119.04% over the past 12 months, compared with -40.90% for FINW (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, FINW or OPHC?
OPHC has the lower trailing P/E at 10.4, versus 11.3 for FINW. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Are FinWise Bancorp and OptimumBank in the same industry?
No. FinWise Bancorp is in the Finance sector, while OptimumBank is in Financial Services.