Finward Bancorp (FNWD) 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 Finward Bancorp (FNWD) over the past year, gaining 115.3% versus a gain of 30.3%. Over five years, OPHC leads with a +53.9% price change compared with -0.7% for FNWD. Finward Bancorp is the larger company by market cap ($180.3 million vs $113.9 million), about 1.6 times the size.
On valuation, OptimumBank trades at a lower forward P/E (6.7x vs 13.3x for Finward Bancorp). Finward Bancorp pays a dividend yielding 1.15%, 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 | FNWD | OPHC |
|---|---|---|
| Share price | $41.64 | $9.02 |
| Market cap | $180.34M | $113.93M |
| 1-day change | +1.09% | -0.77% |
| YTD return | +18.33% | +112.24% |
| 1-year return | +30.29% | +115.27% |
| 5-year return | -0.74% | +53.92% |
| P/E ratio (TTM) | 18.34 | 10.37 |
| Forward P/E | 13.30 | 6.68 |
| EPS (TTM) | $2.27 | $0.87 |
| Dividend yield | 1.15% | 0.00% |
| Annual dividend | $0.48 | $0.00 |
| 52-week high | $45.90 | $10.68 |
| 52-week low | $30.05 | $3.91 |
| Distance from 52-week high | -9.28% | -15.54% |
| Analyst consensus | none | none |
| Avg. price target upside | -8.74% | +21.06% |
| Average volume | 16.53K | 124.18K |
| Shares outstanding | 4.33M | 12.63M |
| Employees | 296 | 98 |
| Sector | Finance | Finance |
| Industry | Savings Institutions | 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 FNWD by 85.0 percentage points over the past year.
- Finward Bancorp trades at a higher earnings multiple (18.3x vs 10.4x trailing P/E).
- Finward Bancorp offers a meaningfully higher dividend yield (1.15% vs 0.00%).
About Finward Bancorp
FNWD stock →Finward Bancorp operates as the holding company for Peoples Bank that provides various banking products and services. The company's deposit products include non-interest- and interest-bearing demand accounts, savings accounts, money market deposit accounts, certificate accounts, and retirement savings plans.
Finance · Savings Institutions · 296 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
FNWD vs OPHC FAQ
Which is bigger, Finward Bancorp or OptimumBank?
Finward Bancorp (FNWD) is larger, with a market capitalization of $180.34M compared with $113.93M for OptimumBank (OPHC).
Which stock has performed better over the past year, FNWD or OPHC?
OPHC returned +115.27% over the past 12 months, compared with +30.29% for FNWD (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, FNWD or OPHC?
OPHC has the lower trailing P/E at 10.4, versus 18.3 for FNWD. 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, Finward Bancorp or OptimumBank?
Finward Bancorp pays a dividend yielding 1.15%, while OptimumBank does not currently pay a regular dividend.
Are Finward Bancorp and OptimumBank in the same industry?
Both are in the Finance sector, but in different industries: Savings Institutions for Finward Bancorp and Major Banks for OptimumBank.