Reviewing 1st Capital Bancorp (OTCMKTS:FISB) and OptimumBank (NASDAQ:OPHC)

Institutional & Insider Ownership

8.1% of 1st Capital Bancorp shares are held by institutional investors. Comparatively, 7.4% of OptimumBank shares are held by institutional investors. 13.9% of OptimumBank shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Valuation and Earnings

This table compares 1st Capital Bancorp and OptimumBank”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
1st Capital Bancorp	$41.09 million	1.91	$3.54 million	N/A	N/A
OptimumBank	$40.98 million	1.22	$6.28 million	$1.33	3.20

OptimumBank has lower revenue, but higher earnings than 1st Capital Bancorp.

Profitability

This table compares 1st Capital Bancorp and OptimumBank’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
1st Capital Bancorp	8.20%	N/A	N/A
OptimumBank	19.62%	14.10%	1.31%

Risk & Volatility

1st Capital Bancorp has a beta of 0.64, meaning that its stock price is 36% less volatile than the S&P 500. Comparatively, OptimumBank has a beta of 0.5, meaning that its stock price is 50% less volatile than the S&P 500.

About 1st Capital Bancorp

1st Capital Bancorp operates as the bank holding company for 1st Capital Bank that provides various banking products and services for businesses, professionals, real estate investors, family commercial entities, and individuals in the Central Coast region of California. It offers checking, saving, money market, savings, and certificate of deposit accounts, as well as individual retirement and health savings accounts; and other services including debit cards, check orders, and cannabis banking services. The company also provides lending services, which includes business, agriculture, and wine industry lending; commercial real estate and personal loans; and small business administration loans, and government guaranteed lending solutions. In addition, it offers electronic banking services including online services, such as personal and business online banking; and cash management services comprising ACH origination, online wire transfer, positive pay, merchant card, and remote deposit capture services. The company was founded in 2007 and is headquartered in Salinas, California.

About OptimumBank

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, and NOW accounts, as well as time deposits, wire transfers, ACH services, and certificates of deposit. The company also offers residential and commercial real estate, multi-family real estate, land and construction loans; commercial loans are generally used for working capital purposes or for acquiring equipment, inventory, and furniture; and consumer loans for various purposes, including purchases of automobiles, recreational vehicles, boats, home improvements, lines of credit, personal, and deposit account collateralized loans. In addition, it provides Visa debit and ATM cards; 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. The company was founded in 2000 and is based in Fort Lauderdale, Florida.