Head-To-Head Comparison: OptimumBank (NASDAQ:OPHC) Vs. WSFS Financial (NASDAQ:WSFS)
Head-To-Head Comparison: OptimumBank (NASDAQ:OPHC) Vs. WSFS Financial (NASDAQ:WSFS)
OptimumBank (NASDAQ:OPHC – Get Rating) and WSFS Financial (NASDAQ:WSFS – Get Rating) are both finance companies, but which is the better stock? We will compare the two businesses based on the strength of their analyst recommendations, profitability, earnings, risk, institutional ownership, dividends and valuation.
優化銀行(納斯達克：OPHC-GET評級)和WSFS Financial(納斯達克：WSFS-GET評級)都是金融公司，但哪隻股票更好？我們將根據分析師推薦的盈利能力、收益、風險、機構所有權、股息和估值對這兩家公司進行比較。
Risk and Volatility
風險和波動性
OptimumBank has a beta of 0.83, indicating that its share price is 17% less volatile than the S&P 500. Comparatively, WSFS Financial has a beta of 1.1, indicating that its share price is 10% more volatile than the S&P 500.
OptimumBank的貝塔係數為0.83，表明其股價的波動性比標準普爾500指數低17%。相比之下，WSFS Financial的貝塔係數為1.1，表明其股價的波動性比標準普爾500指數高10%。
Earnings and Valuation
收益和估值
This table compares OptimumBank and WSFS Financial's gross revenue, earnings per share and valuation.
此表比較了OptimumBank和WSFS Financial的毛收入、每股收益和估值。
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| OptimumBank | $12.16 million | 1.67 | $6.30 million | $1.68 | 2.47 |
| WSFS Financial | $641.85 million | 4.77 | $271.44 million | $3.32 | 14.57 |
| 總收入 | 價格/銷售額比 | 淨收入 | 每股收益 | 市盈率 | |
| OptimumBank | 1216萬美元 | 1.67 | 630萬美元 | $1.68 | 2.47 |
| WSFS金融 | 6.4185億美元 | 4.77 | 2.7144億美元 | $3.32 | 14.57 |
Analyst Ratings
分析師評級
This is a summary of current ratings for OptimumBank and WSFS Financial, as provided by MarketBeat.com.
這是由MarketBeat.com提供的OptimumBank和WSFS Financial的當前評級摘要。
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| OptimumBank | 0 | 0 | 0 | 0 | N/A |
| WSFS Financial | 0 | 3 | 1 | 0 | 2.25 |
| 銷售評級 | 保持評級 | 購買評級 | 強勁的買入評級 | 評級分數 | |
| OptimumBank | 0 | 0 | 0 | 0 | 不適用 |
| WSFS金融 | 0 | 3 | 1 | 0 | 2.25 |
WSFS Financial has a consensus price target of $54.50, indicating a potential upside of 12.67%. Given WSFS Financial's higher possible upside, analysts clearly believe WSFS Financial is more favorable than OptimumBank.
WSFS Financial的一致目標價為54.50美元，表明潛在上行空間為12.67%。考慮到WSFS Financial的更高可能上行空間，分析師顯然認為WSFS Financial比OptimumBank更有利。
Insider & Institutional Ownership
內部人與機構所有權
6.9% of OptimumBank shares are owned by institutional investors. Comparatively, 88.3% of WSFS Financial shares are owned by institutional investors. 27.7% of OptimumBank shares are owned by company insiders. Comparatively, 2.0% of WSFS Financial shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.
OptimumBank 6.9%的股份由機構投資者持有。相比之下，WSFS Financial 88.3%的股份由機構投資者持有。OptimumBank 27.7%的股份由公司內部人士持有。相比之下，WSFS Financial 2.0%的股份由公司內部人士持有。強大的機構持股表明，捐贈基金、對衝基金和大型基金管理公司相信，一家公司有望實現長期增長。
Profitability
盈利能力
This table compares OptimumBank and WSFS Financial's net margins, return on equity and return on assets.
此表比較了OptimumBank和WSFS Financial的淨利潤率、股本回報率和資產回報率。
| Net Margins | Return on Equity | Return on Assets | |
| OptimumBank | 44.72% | 17.28% | 1.90% |
| WSFS Financial | 23.44% | 9.91% | 1.18% |
| 淨利潤率 | 股本回報率 | 資產回報率 | |
| OptimumBank | 44.72% | 17.28% | 1.90% |
| WSFS金融 | 23.44% | 9.91% | 1.18% |
Summary
摘要
WSFS Financial beats OptimumBank on 9 of the 13 factors compared between the two stocks.
WSFS Financial在比較兩隻股票的13個因素中有9個超過了OptimumBank。
About OptimumBank
關於OptimumBank
(Get Rating)
(獲取評級)
OptimumBank Holdings, Inc. operates as the bank holding company for OptimumBank that provides various consumer and commercial banking services to individuals and businesses. It accepts demand interest-bearing and noninterest-bearing, savings, money market, NOW, and time deposit accounts, as well as certificates of deposit; and offers residential and commercial real estate, multi-family real estate, commercial, land and construction, and consumer loans, as well as lending lines for working capital needs. The company also provides debit and ATM cards; investment, cash management, notary, and night depository services; and direct deposits, money orders, cashier's checks, domestic collections, and banking by mail, as well as internet banking services. It operates through two banking offices located in Broward County, Florida. The company was founded in 2000 and is based in Fort Lauderdale, Florida.
OptimumBank控股公司作為OptimumBank的銀行控股公司，向個人和企業提供各種消費和商業銀行服務。它接受活期有息和無息、儲蓄、貨幣市場、現在和定期存款賬户以及存單；提供住宅和商業房地產、多户房地產、商業、土地和建築、消費貸款，以及用於營運資金需求的貸款額度。該公司還提供借記卡和ATM卡；投資、現金管理、公證和夜間存管服務；以及直接存款、匯票、本票、國內託收和郵寄銀行以及網上銀行服務。它通過位於佛羅裏達州布羅沃德縣的兩個銀行辦事處運營。該公司成立於2000年，總部設在佛羅裏達州的勞德代爾堡。
About WSFS Financial
關於WSFS Financial
(Get Rating)
(獲取評級)
WSFS Financial Corporation operates as the savings and loan holding company for the Wilmington Savings Fund Society, FSB that provides various banking services in the United States. It operates through three segments: WSFS Bank, Cash Connect, and Wealth Management. It offers various deposit products, including savings accounts, demand deposits, interest-bearing demand deposits, money market deposit accounts, and certificates of deposit, as well as accepts jumbo certificates of deposit from individuals, businesses, and municipalities. The company also provides a range of loans, which comprise fixed and adjustable rate residential loans; commercial real estate mortgage loans; commercial construction loans to developers; commercial loans for working capital, financing equipment and real estate acquisitions, business expansion, and other business purposes; and consumer credit products, such as home improvement, automobile, and other secured and unsecured personal installment loans, as well as home equity lines and unsecured lines of credit, and government-insured reverse mortgages. In addition, it offers various third-party investment and insurance products, such as single-premium annuities, whole life policies, and securities; investment advisory services to high net worth individuals and institutions; mortgage and title services; and leases small equipment and fixed assets, as well as cash management, trust, and wealth management services. Further, the company provides ATM vault cash, smart safe, and other cash logistics services; and online reporting and ATM cash management, predictive cash ordering and reconcilement services, armored carrier management, loss protection, ATM processing equipment sales, and deposit safe cash logistics services. As of December 31, 2020, it operated 112 offices, including 52 in Pennsylvania, 42 in Delaware, 16 in New Jersey, 1 in Virginia, and 1 in Nevada. The company was founded in 1832 and is headquartered in Wilmington, Delaware.
WSFS金融公司是威爾明頓儲蓄基金協會(Wilmington Savings Fund Society)的儲蓄和貸款控股公司，該協會在美國提供各種銀行服務。它通過三個部門運營：WSFS銀行、Cash Connect和財富管理。它提供各種存款產品，包括儲蓄賬户、活期存款、有息活期存款、貨幣市場存款賬户和存單，並接受個人、企業和市政當局的大額存單。該公司還提供一系列貸款，包括固定和可調整利率的住宅貸款；商業房地產抵押貸款；向開發商提供的商業建築貸款；用於營運資金、融資設備和房地產收購、業務擴張和其他商業目的的商業貸款；以及消費信貸產品，如家裝、汽車和其他有擔保和無擔保的個人分期貸款，以及房屋淨值額度和無擔保信用額度，以及政府擔保的反向抵押貸款。此外，它還提供各種第三方投資和保險產品，如單一保費年金、終身保單和證券；為高淨值個人和機構提供投資諮詢服務；抵押貸款和產權服務；租賃小型設備和固定資產，以及現金管理、信託和財富管理服務。此外，該公司還提供ATM金庫現金、智能保險箱和其他現金物流服務；以及在線報告和ATM現金管理、預測現金訂購和對賬服務、裝甲載體管理、損失保護、ATM處理設備銷售和存款保險箱現金物流服務。截至2020年12月31日，該公司運營着112個辦事處，包括賓夕法尼亞州52個、特拉華州42個、新澤西州16個、弗吉尼亞州1個, 內華達州有1人。該公司成立於1832年，總部設在特拉華州威爾明頓。
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