OptimumBank (OPHC) vs Provident Financial (PROV)
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 Provident Financial (PROV) over the past year, gaining 115.3% versus a gain of 16.6%. Over five years, OPHC leads with a +53.9% price change compared with +10.1% for PROV. Provident Financial is the larger company by market cap ($115.2 million vs $113.9 million), about 1.0 times the size.
On valuation, OptimumBank trades at a lower forward P/E (6.7x vs 14.6x for Provident Financial). Provident Financial pays a dividend yielding 3.03%, 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 | PROV |
|---|---|---|
| Share price | $9.02 | $18.48 |
| Market cap | $113.93M | $115.20M |
| 1-day change | -0.77% | +0.90% |
| YTD return | +112.24% | +16.15% |
| 1-year return | +115.27% | +16.59% |
| 5-year return | +53.92% | +10.07% |
| P/E ratio (TTM) | 10.37 | 17.94 |
| Forward P/E | 6.68 | 14.55 |
| EPS (TTM) | $0.87 | $1.03 |
| Dividend yield | 0.00% | 3.03% |
| Annual dividend | $0.00 | $0.56 |
| 52-week high | $10.68 | $18.99 |
| 52-week low | $3.91 | $14.95 |
| Distance from 52-week high | -15.54% | -2.69% |
| Analyst consensus | none | none |
| Avg. price target upside | +21.06% | +0.11% |
| Average volume | 124.18K | 13.15K |
| Shares outstanding | 12.63M | 6.23M |
| Employees | 98 | 95 |
| Sector | Finance | Finance |
| Industry | Major Banks | Savings Institutions |
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 PROV by 98.7 percentage points over the past year.
- Provident Financial trades at a higher earnings multiple (17.9x vs 10.4x trailing P/E).
- Provident Financial offers a meaningfully higher dividend yield (3.03% 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 Provident Financial
PROV stock →Provident Financial Holdings, Inc. operates as the bank holding company for Provident Savings Bank, F.S.B.
Finance · Savings Institutions · 95 employees
OPHC vs PROV FAQ
Which is bigger, OptimumBank or Provident Financial?
Provident Financial (PROV) is larger, with a market capitalization of $115.20M compared with $113.93M for OptimumBank (OPHC).
Which stock has performed better over the past year, OPHC or PROV?
OPHC returned +115.27% over the past 12 months, compared with +16.59% for PROV (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, OPHC or PROV?
OPHC has the lower trailing P/E at 10.4, versus 17.9 for PROV. 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, OptimumBank or Provident Financial?
Provident Financial pays a dividend yielding 3.03%, while OptimumBank does not currently pay a regular dividend.
Are OptimumBank and Provident Financial in the same industry?
Both are in the Finance sector, but in different industries: Major Banks for OptimumBank and Savings Institutions for Provident Financial.