COMP <GO>
UNB vs OPHC // EV/EBITDA & P/E VALUATION
Union Bankshares Inc. (NASDAQ) VS. OptimumBank Holdings Inc. (NYSE) • 15-METRIC TALLY: UNB 2
— OPHC 3
■ METRIC PARITY
LAST: $22.83 (-1.89%) • MKT CAP: $116.9M
valuation
—
LAST: $9.15 (+0.33%) • MKT CAP: $115.1M
valuation
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (UNB VS. OPHC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | UNB | OPHC | 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 | 13.67% | 14.72% | -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 | 5.61% | 0.00% | +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 | 42.8 | 60.5 | -17.72 | OPHC | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 9.8x | 6.4x | +3.40 | OPHC | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $116.9M | $115.1M | $1.8M | UNB | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | UNB REV | OPHC REV | UNB GROSS % | OPHC GROSS % | UNB FCF | OPHC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $0 | — | — | $16.0M | $16.9M |
| FY 2024 | $0 | $0 | — | — | $11.1M | $14.6M |
| FY 2023 | $0 | $0 | — | — | $9.2M | $6.9M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
UNB // BETA —
OPHC // BETA —