Head-To-Head Survey: OptimumBank (NASDAQ:OPHC) & Susquehanna Bancshares (NASDAQ:SUSQ)

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

Insider and Institutional Ownership

7.4% of OptimumBank shares are held by institutional investors. 18.7% of OptimumBank shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

Earnings and Valuation

This table compares OptimumBank and Susquehanna Bancshares”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
OptimumBank	$49.36 million	1.35	$6.28 million	$1.00	5.49
Susquehanna Bancshares	N/A	N/A	N/A	N/A	N/A

OptimumBank has higher revenue and earnings than Susquehanna Bancshares.

Analyst Ratings

This is a summary of recent ratings and recommmendations for OptimumBank and Susquehanna Bancshares, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
OptimumBank	0	0	2	0	3.00
Susquehanna Bancshares	0	0	0	0	0.00

OptimumBank presently has a consensus target price of $6.75, indicating a potential upside of 22.95%. Given OptimumBank’s stronger consensus rating and higher possible upside, research analysts plainly believe OptimumBank is more favorable than Susquehanna Bancshares.

Profitability

This table compares OptimumBank and Susquehanna Bancshares’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
OptimumBank	19.62%	14.10%	1.31%
Susquehanna Bancshares	N/A	N/A	N/A

Summary

OptimumBank beats Susquehanna Bancshares on 9 of the 9 factors compared between the two stocks.

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.

About Susquehanna Bancshares

Susquehanna Bancshares, Inc. is a financial holding company. The Company conducts its business operations primarily through its commercial bank subsidiary, Susquehanna Bank, and other subsidiaries in the mid-Atlantic region to provide a range of retail and commercial banking and financial products and services. It provides a range of retail banking services, including checking, savings and club accounts, check cards, debit cards, money market accounts, certificates of deposit, individual retirement accounts, home equity lines of credit, residential mortgage loans, home improvement loans, automobile loans, personal loans, and internet and mobile banking services. It also provides a range of commercial banking services, including business checking accounts, cash management services, money market accounts, land acquisition and development loans, commercial loans, floor plan, equipment and working capital lines of credit, small business loans and internet banking services.