Financial Comparison: Valley National Bancorp (VLY) & OptimumBank (OPHC)

Valley National Bancorp (NYSE:VLY) and OptimumBank (NASDAQ:OPHC) are both finance companies, but which is the superior business? We will contrast the two companies based on the strength of their earnings, analyst recommendations, dividends, risk, institutional ownership, profitability and valuation.

Analyst Ratings

This is a summary of current recommendations for Valley National Bancorp and OptimumBank, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Valley National Bancorp 0 2 2 0 2.50
OptimumBank 0 0 0 0 N/A

Valley National Bancorp presently has a consensus price target of $13.69, indicating a potential upside of 31.99%. Given Valley National Bancorp’s higher possible upside, research analysts plainly believe Valley National Bancorp is more favorable than OptimumBank.

Profitability

This table compares Valley National Bancorp and OptimumBank’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Valley National Bancorp N/A N/A N/A
OptimumBank 18.04% 16.66% 0.84%

Valuation & Earnings

This table compares Valley National Bancorp and OptimumBank’s top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Valley National Bancorp N/A N/A N/A N/A N/A
OptimumBank $4.38 million 1.59 $800,000.00 N/A N/A

OptimumBank has higher revenue and earnings than Valley National Bancorp.

Dividends

Valley National Bancorp pays an annual dividend of $0.44 per share and has a dividend yield of 4.2%. OptimumBank does not pay a dividend.

Institutional & Insider Ownership

55.9% of Valley National Bancorp shares are held by institutional investors. Comparatively, 0.1% of OptimumBank shares are held by institutional investors. 3.5% of Valley National Bancorp shares are held by company insiders. Comparatively, 11.4% of OptimumBank shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.

Summary

OptimumBank beats Valley National Bancorp on 5 of the 9 factors compared between the two stocks.

Valley National Bancorp Company Profile

Valley National Bancorp operates as the holding company for the Valley National Bank that provides commercial, retail, trust, and investment services. The company operates through Commercial Lending, Consumer Lending, and Investment Management segments. Its deposit products include non-interest bearing, savings, NOW, and money market deposits, as well as certificates of deposit. The company's loan products comprise construction, residential mortgage, home equity, automobile, and floating rate and adjustable rate commercial and industrial loans, as well as fixed rate owner occupied and commercial real estate loans, credit card loans, personal lines of credit, personal loans, and loans secured by cash surrender value of life insurance. It also invests in securities and interest-bearing deposits with banks, such as fixed rate securities and federal funds; and offers international banking services, such as standby letters of credit, documentary letters of credit and related products, and other ancillary services. In addition, the company provides asset management advisory, trust, and asset-based lending support services; property and casualty, life, health, and title insurance products; and health care equipment lending and other commercial equipment leases, as well as real estate related investments. Further, it offers other banking services comprising automated teller machine, telephone and Internet banking, remote deposit capturing, overdraft, drive-in and night deposit, and safe deposit services. As of December 31, 2017, the company operated 237 branches in northern and central New Jersey; the New York City boroughs of Manhattan, Brooklyn, Queens, and Long Island; and southeast and central Florida. Valley National Bancorp was founded in 1927 and is headquartered in Wayne, New Jersey.

OptimumBank Company Profile

OptimumBank Holdings, Inc. operates as the bank holding company for OptimumBank that provides a range of consumer and commercial banking services to individuals and businesses. The company 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, commercial, and consumer loans, as well as lending lines for working capital needs. It also provides debit and ATM cards; investment, cash management, and notary and night depository services; and direct deposits, money orders, cashier's checks, domestic collections, drive-in tellers, and banking by mail, as well as Internet banking services. In addition, the company engages in holding, managing, and disposing foreclosed real estate. It operates through three banking offices located in Broward County, Florida. OptimumBank Holdings, Inc. was founded in 2000 and is based in Fort Lauderdale, Florida.

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