OptimumBank (OPHC) vs Summit State Bank (SSBI)
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 Summit State Bank (SSBI) over the past year, gaining 115.3% versus a gain of 5.5%. Over five years, OPHC leads with a +53.9% price change compared with -25.6% for SSBI. OptimumBank is the larger company by market cap ($113.9 million vs $85.7 million), about 1.3 times the size.
On valuation, OptimumBank trades at a lower trailing P/E (10.4x vs 38.4x for Summit State Bank).
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 | SSBI |
|---|---|---|
| Share price | $9.02 | $12.66 |
| Market cap | $113.93M | $85.67M |
| 1-day change | -0.77% | 0.00% |
| YTD return | +112.24% | +8.86% |
| 1-year return | +115.27% | +5.50% |
| 5-year return | +53.92% | -25.57% |
| P/E ratio (TTM) | 10.37 | 38.36 |
| Forward P/E | 6.68 | — |
| EPS (TTM) | $0.87 | $0.33 |
| Dividend yield | 0.00% | 0.00% |
| Annual dividend | $0.00 | $0.00 |
| 52-week high | $10.68 | $14.00 |
| 52-week low | $3.91 | $10.35 |
| Distance from 52-week high | -15.54% | -9.57% |
| Analyst consensus | none | — |
| Avg. price target upside | +21.06% | — |
| Average volume | 124.18K | 5.01K |
| Shares outstanding | 12.63M | 6.77M |
| Employees | 98 | 103 |
| Sector | Financial Services | Financial Services |
| Industry | Banks - Regional | 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 SSBI by 109.8 percentage points over the past year.
- Summit State Bank trades at a higher earnings multiple (38.4x vs 10.4x trailing P/E).
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
About Summit State Bank
SSBI stock →Summit State Bank provides various banking products and services to individuals and businesses primarily in Sonoma County, California. It offers personal and business checking, money market, sweep, savings, and demand accounts; time certificates of deposit; and specialized deposit accounts, including professional, small business packaged, tiered, and retirement plan accounts.
Financial Services · Banks - Regional · 103 employees
OPHC vs SSBI FAQ
Which is bigger, OptimumBank or Summit State Bank?
OptimumBank (OPHC) is larger, with a market capitalization of $113.93M compared with $85.67M for Summit State Bank (SSBI).
Which stock has performed better over the past year, OPHC or SSBI?
OPHC returned +115.27% over the past 12 months, compared with +5.50% for SSBI (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, OPHC or SSBI?
OPHC has the lower trailing P/E at 10.4, versus 38.4 for SSBI. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Are OptimumBank and Summit State Bank in the same industry?
Yes. Both are classified in the Banks - Regional industry within the Financial Services sector.