OptimumBank (OPHC) vs Sound Financial Bancorp (SFBC)
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 Sound Financial Bancorp (SFBC) over the past year, gaining 115.3% versus a loss of 5.0%. Over five years, OPHC leads with a +53.9% price change compared with -4.3% for SFBC. OptimumBank is the larger company by market cap ($111.9 million vs $111.9 million), about 1.0 times the size.
On valuation, OptimumBank trades at a lower trailing P/E (10.2x vs 14.0x for Sound Financial Bancorp). Sound Financial Bancorp pays a dividend yielding 1.84%, 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 | SFBC |
|---|---|---|
| Share price | $8.86 | $43.57 |
| Market cap | $111.91M | $111.89M |
| 1-day change | -1.28% | 0.00% |
| YTD return | +112.24% | +0.32% |
| 1-year return | +115.27% | -4.97% |
| 5-year return | +53.92% | -4.31% |
| P/E ratio (TTM) | 10.18 | 13.96 |
| Forward P/E | 6.56 | — |
| EPS (TTM) | $0.87 | $3.12 |
| Dividend yield | 0.00% | 1.84% |
| Annual dividend | $0.00 | $0.80 |
| 52-week high | $10.68 | $49.21 |
| 52-week low | $3.91 | $40.68 |
| Distance from 52-week high | -17.04% | -11.46% |
| Analyst consensus | none | — |
| Avg. price target upside | +23.25% | — |
| Average volume | 124.18K | 10.30K |
| Shares outstanding | 12.63M | 2.57M |
| Employees | 98 | 92 |
| 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 SFBC by 120.2 percentage points over the past year.
- Sound Financial Bancorp trades at a higher earnings multiple (14.0x vs 10.2x trailing P/E).
- Sound Financial Bancorp offers a meaningfully higher dividend yield (1.84% 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 Sound Financial Bancorp
SFBC stock →Sound Financial Bancorp, Inc. operates as the bank holding company for Sound Community Bank that provides banking and other financial services for consumers and businesses.
Finance · Savings Institutions · 92 employees
OPHC vs SFBC FAQ
Which is bigger, OptimumBank or Sound Financial Bancorp?
OptimumBank (OPHC) is larger, with a market capitalization of $111.91M compared with $111.89M for Sound Financial Bancorp (SFBC).
Which stock has performed better over the past year, OPHC or SFBC?
OPHC returned +115.27% over the past 12 months, compared with -4.97% for SFBC (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, OPHC or SFBC?
OPHC has the lower trailing P/E at 10.2, versus 14.0 for SFBC. 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 Sound Financial Bancorp?
Sound Financial Bancorp pays a dividend yielding 1.84%, while OptimumBank does not currently pay a regular dividend.
Are OptimumBank and Sound Financial Bancorp in the same industry?
Both are in the Finance sector, but in different industries: Major Banks for OptimumBank and Savings Institutions for Sound Financial Bancorp.