OptimumBank (OPHC) vs Pathfinder Bancorp (PBHC)
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 Pathfinder Bancorp (PBHC) over the past year, gaining 115.3% versus a gain of 13.9%. Over five years, OPHC leads with a +53.9% price change compared with +8.0% for PBHC. OptimumBank is the larger company by market cap ($109.9 million vs $106.5 million), about 1.0 times the size.
On valuation, OptimumBank trades at a lower trailing P/E (10.0x vs 1696.0x for Pathfinder Bancorp). Pathfinder Bancorp pays a dividend yielding 2.36%, 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 | OPHC | PBHC |
|---|---|---|
| Share price | $8.70 | $16.96 |
| Market cap | $109.88M | $106.49M |
| 1-day change | -3.55% | -3.09% |
| YTD return | +112.24% | +24.03% |
| 1-year return | +115.27% | +13.86% |
| 5-year return | +53.92% | +8.02% |
| P/E ratio (TTM) | 10.00 | — |
| Forward P/E | 6.44 | — |
| EPS (TTM) | $0.87 | $0.01 |
| Dividend yield | 0.00% | 2.36% |
| Annual dividend | $0.00 | $0.40 |
| 52-week high | $10.68 | $18.30 |
| 52-week low | $3.91 | $12.06 |
| Distance from 52-week high | -18.54% | -7.32% |
| Analyst consensus | none | — |
| Avg. price target upside | +25.52% | — |
| Average volume | 124.18K | 7.77K |
| Shares outstanding | 12.63M | 4.90M |
| Employees | 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 PBHC by 101.4 percentage points over the past year.
- Pathfinder Bancorp offers a meaningfully higher dividend yield (2.36% vs 0.00%).
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
About Pathfinder Bancorp
PBHC stock →Pathfinder Bancorp, Inc. operates as a bank holding company for Pathfinder Bank that provides various banking and financial products and services in the United States.
Finance · Major Banks
OPHC vs PBHC FAQ
Which is bigger, OptimumBank or Pathfinder Bancorp?
OptimumBank (OPHC) is larger, with a market capitalization of $109.88M compared with $106.49M for Pathfinder Bancorp (PBHC).
Which stock has performed better over the past year, OPHC or PBHC?
OPHC returned +115.27% over the past 12 months, compared with +13.86% for PBHC (price return, excluding dividends). Past performance does not predict future results.
Which pays a higher dividend, OptimumBank or Pathfinder Bancorp?
Pathfinder Bancorp pays a dividend yielding 2.36%, while OptimumBank does not currently pay a regular dividend.
Are OptimumBank and Pathfinder Bancorp in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.