OptimumBank (OPHC) vs Union Bankshares (UNB)
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 Union Bankshares (UNB) over the past year, gaining 111.7% versus a loss of 6.5%. Over five years, OPHC leads with a +48.5% price change compared with -29.3% for UNB. Union Bankshares is the larger company by market cap ($113.3 million vs $109.9 million), about 1.0 times the size.
On valuation, Union Bankshares trades at a lower trailing P/E (8.8x vs 10.4x for OptimumBank). Union Bankshares pays a dividend yielding 6.29%, 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 | UNB |
|---|---|---|
| Share price | $8.70 | $22.90 |
| Market cap | $109.88M | $113.26M |
| 1-day change | -3.55% | -0.43% |
| YTD return | +104.71% | -3.50% |
| 1-year return | +111.68% | -6.53% |
| 5-year return | +48.46% | -29.32% |
| P/E ratio (TTM) | 10.36 | 8.77 |
| Forward P/E | 6.44 | — |
| EPS (TTM) | $0.84 | $2.61 |
| Dividend yield | 0.00% | 6.29% |
| Annual dividend | $0.00 | $1.44 |
| 52-week high | $10.68 | $26.41 |
| 52-week low | $3.91 | $20.65 |
| Distance from 52-week high | -18.54% | -13.29% |
| Analyst consensus | none | — |
| Avg. price target upside | +25.52% | — |
| Average volume | 125.90K | 5.69K |
| Shares outstanding | 12.63M | 4.95M |
| Employees | 98 | 195 |
| 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 UNB by 118.2 percentage points over the past year.
- Union Bankshares offers a meaningfully higher dividend yield (6.29% 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 Union Bankshares
UNB stock →Union Bankshares, Inc. operates as the bank holding company for Union Bank that provides retail, commercial, and municipal banking products and services in the United States.
Finance · Major Banks · 195 employees
OPHC vs UNB FAQ
Which is bigger, OptimumBank or Union Bankshares?
Union Bankshares (UNB) is larger, with a market capitalization of $113.26M compared with $109.88M for OptimumBank (OPHC).
Which stock has performed better over the past year, OPHC or UNB?
OPHC returned +111.68% over the past 12 months, compared with -6.53% for UNB (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, OPHC or UNB?
UNB has the lower trailing P/E at 8.8, versus 10.4 for OPHC. 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 Union Bankshares?
Union Bankshares pays a dividend yielding 6.29%, while OptimumBank does not currently pay a regular dividend.
Are OptimumBank and Union Bankshares in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.