OptimumBank (NASDAQ:OPHC – Get Free Report) and Home Bancorp (NASDAQ:HBCP – Get Free Report) are both small-cap finance companies, but which is the superior stock? We will compare the two companies based on the strength of their analyst recommendations, profitability, earnings, dividends, valuation, risk and institutional ownership.
Institutional and Insider Ownership
7.4% of OptimumBank shares are held by institutional investors. Comparatively, 49.4% of Home Bancorp shares are held by institutional investors. 18.7% of OptimumBank shares are held by company insiders. Comparatively, 6.2% of Home Bancorp shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.
Analyst Recommendations
This is a breakdown of current recommendations for OptimumBank and Home Bancorp, as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| OptimumBank | 0 | 0 | 3 | 1 | 3.25 |
| Home Bancorp | 0 | 3 | 1 | 1 | 2.60 |
Profitability
This table compares OptimumBank and Home Bancorp’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| OptimumBank | 19.62% | 14.10% | 1.31% |
| Home Bancorp | 22.23% | 10.65% | 1.32% |
Volatility and Risk
OptimumBank has a beta of 0.31, indicating that its stock price is 69% less volatile than the S&P 500. Comparatively, Home Bancorp has a beta of 0.52, indicating that its stock price is 48% less volatile than the S&P 500.
Valuation and Earnings
This table compares OptimumBank and Home Bancorp”s top-line revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| OptimumBank | $58.79 million | 1.90 | $6.28 million | $0.87 | 10.18 |
| Home Bancorp | $153.83 million | 3.36 | $46.06 million | $5.98 | 11.03 |
Home Bancorp has higher revenue and earnings than OptimumBank. OptimumBank is trading at a lower price-to-earnings ratio than Home Bancorp, indicating that it is currently the more affordable of the two stocks.
Summary
Home Bancorp beats OptimumBank on 10 of the 14 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 Home Bancorp
Home Bancorp, Inc. operates as the bank holding company for Home Bank, National Association that provides various banking products and services in Louisiana, Mississippi, and Texas. It offers deposit products, including interest-bearing and noninterest-bearing checking, money market, savings, NOW, and certificates of deposit accounts. The company also provides various loan products comprising one-to four-family first mortgage loans, home equity loans and lines, commercial real estate loans, construction and land loans, multi-family residential loans, commercial and industrial loans, and consumer loans. In addition, it invests in securities; and offers credit cards and online banking services. Home Bancorp, Inc. was founded in 1908 and is headquartered in Lafayette, Louisiana.
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