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.
Risk and Volatility
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.
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Earnings and Valuation
This table compares OptimumBank and WSFS Financial's gross revenue, earnings per share and valuation.
| 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 |
WSFS Financial has higher revenue and earnings than OptimumBank. OptimumBank is trading at a lower price-to-earnings ratio than WSFS Financial, indicating that it is currently the more affordable of the two stocks.
Analyst Ratings
This is a summary of current ratings for OptimumBank and WSFS Financial, as provided by MarketBeat.com.
| 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 |
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.
Insider & Institutional Ownership
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.
Profitability
This table compares OptimumBank and WSFS Financial's net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets |
| OptimumBank | 44.72% | 17.28% | 1.90% |
| WSFS Financial | 23.44% | 9.91% | 1.18% |
Summary
WSFS Financial beats OptimumBank on 9 of the 13 factors compared between the two stocks.
About OptimumBank
(Get Rating)
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.
About WSFS Financial
(Get Rating)
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.
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