COMP <GO>
OPHC vs UNB // EV/EBITDA & P/E VALUATION
OptimumBank Holdings Inc. (NYSE) VS. Union Bankshares Inc. (NASDAQ) • 15-METRIC TALLY: OPHC 3
— UNB 2
■ METRIC PARITY
LAST: $9.15 (+0.33%) • MKT CAP: $115.1M
valuation
—
LAST: $22.83 (-1.89%) • MKT CAP: $116.9M
valuation
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (OPHC VS. UNB)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | OPHC | UNB | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 13.70% | 13.70% | 0.00 | TIE | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 14.72% | 13.67% | +1.05 | OPHC | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | — | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | — | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 5.61% | -5.61 | UNB | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 5/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 60.5 | 42.8 | +17.72 | OPHC | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 6.4x | 9.8x | -3.40 | OPHC | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $115.1M | $116.9M | -$1.8M | UNB | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | OPHC REV | UNB REV | OPHC GROSS % | UNB GROSS % | OPHC FCF | UNB FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $0 | — | — | $16.9M | $16.0M |
| FY 2024 | $0 | $0 | — | — | $14.6M | $11.1M |
| FY 2023 | $0 | $0 | — | — | $6.9M | $9.2M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
OPHC // BETA —
UNB // BETA —