OPHC vs PDCC

Comparison between Optimumbank Holdings Inc (OPHC, Company) and Pearl Diver Credit Company Inc (PDCC, Company).

Both OPHC and PDCC are from the Financial Services sector.

OPHC vs PDCC - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	OPHC(COMPANY)	PDCC(COMPANY)
Market Cap	$67M	$67M
Max Drawdown	99.92%	55.41%
Sharpe Ratio	0.73	-1.65
5Y Beta	0.45	0.18
Industry	Banks - Regional	Asset Management
P/E Ratio	3.73	3.85
Forward P/E	5.58	6.24
PEG Ratio	0.44	N/A
Debt to Equity	0.00%	7.03%
Free Cash Flow Yield	32.16%	36.30%
P/S Ratio	1.33	7.68
P/B Ratio	0.53	0.68

Market Cap

Winner

OPHC

$67M

PDCC

$67M

Max Drawdown

OPHC

99.92%

Winner

PDCC

55.41%

Sharpe Ratio

Winner

OPHC

0.73

PDCC

-1.65

5Y Beta

OPHC

0.45

Winner

PDCC

0.18

Industry

OPHC

Banks - Regional

PDCC

Asset Management

P/E Ratio

Winner

OPHC

3.73

PDCC

3.85

Forward P/E

Winner

OPHC

5.58

PDCC

6.24

PEG Ratio

OPHC

0.44

PDCC

N/A

Debt to Equity

Winner

OPHC

0.00%

PDCC

7.03%

Free Cash Flow Yield

OPHC

32.16%

Winner

PDCC

36.30%

P/S Ratio

Winner

OPHC

1.33

PDCC

7.68

P/B Ratio

Winner

OPHC

0.53

PDCC

0.68

OPHC vs PDCC - Historical Returns

Returns include dividend reinvestment.

Period	OPHC	PDCC
1 month	+0.36%	-17.64%
3 months	+0.36%	-4.93%
6 months	+27.48%	-31.56%
1 year	+21.32%	-37.41%
5 years(CAGR)	+1.55%	N/A
10 years(CAGR)	+2.77%	N/A
Max(CAGR)	-20.83%	-20.47%

Winner

OPHC

+0.36%

PDCC

-17.64%

Winner

OPHC

+0.36%

PDCC

-4.93%

Winner

OPHC

+27.48%

PDCC

-31.56%

Winner

OPHC

+21.32%

PDCC

-37.41%

5Y(CAGR)

OPHC

+1.55%

PDCC

N/A

10Y(CAGR)

OPHC

+2.77%

PDCC

N/A

Max(CAGR)

OPHC

-20.83%

Winner

PDCC

-20.47%

OPHC vs PDCC - Annual Returns (2003 - 2026)

Returns include dividend reinvestment.

Year	OPHC	PDCC
2026	+30.19%	-27.42%
2025	-9.96%	-21.50%
2024	+12.00%	+11.03%
2023	+2.50%	N/A
2022	-2.85%	N/A
2021	+14.75%	N/A
2020	+12.71%	N/A
2019	-7.67%	N/A
2018	-38.52%	N/A
2017	+26.68%	N/A
2016	-28.67%	N/A
2015	-60.84%	N/A
2014	-38.19%	N/A
2013	-28.13%	N/A
2012	-23.43%	N/A
2011	-89.92%	N/A
2010	-32.24%	N/A
2009	-46.76%	N/A
2008	-31.25%	N/A
2007	-21.86%	N/A
2006	+7.77%	N/A
2005	-24.22%	N/A
2004	+54.71%	N/A
2003	-13.72%	N/A

OPHC vs PDCC Drawdown Comparison

The maximum drawdown for OPHC was -99.90%, occurring on Jun 3, 2020. This drawdown has not yet recovered.

The maximum drawdown for PDCC was -45.29%, occurring on Mar 20, 2026. This drawdown has not yet recovered.

The current OPHC drawdown is -99.71%. The current PDCC drawdown is -44.21%.

Rank	OPHC	PDCC
#1	-99.90% May 12, 2006 - Jun 3, 2020	-45.29% Mar 7, 2025 - Mar 20, 2026
#2	-26.67% Jan 3, 2005 - May 3, 2006	-8.41% Aug 20, 2024 - Sep 19, 2024
#3	-23.49% May 19, 2004 - Dec 23, 2004	-6.57% Jul 31, 2024 - Aug 20, 2024
#4	-16.67% Jun 30, 2003 - Apr 21, 2004	-4.55% Oct 16, 2024 - Nov 18, 2024
#5	-2.91% Dec 23, 2004 - Jan 3, 2005	-4.00% Feb 24, 2025 - Mar 7, 2025
#6	-1.52% May 4, 2006 - May 11, 2006	-3.60% Sep 19, 2024 - Oct 4, 2024
#7	-0.98% Apr 29, 2004 - May 11, 2004	-2.94% Jul 22, 2024 - Jul 31, 2024
#8	-0.10% Apr 21, 2004 - Apr 26, 2004	-2.74% Nov 20, 2024 - Dec 16, 2024
#9	N/A	-2.73% Dec 16, 2024 - Feb 20, 2025
#10	N/A	-1.33% Feb 20, 2025 - Feb 24, 2025
#11	N/A	-0.78% Oct 4, 2024 - Oct 9, 2024
#12	N/A	-0.72% Oct 10, 2024 - Oct 15, 2024