Is OPHC or PNBK more undervalued in 2026?

CirclFi compares OptimumBank Holdings, Inc. (OPHC) and Patriot National Bancorp Inc. (PNBK) using 13 institutional-grade valuation models. OPHC has a Quality of Company score of 8.8/10 while PNBK scores 5.2/10.

Which is a better buy — OPHC or PNBK?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do OPHC and PNBK valuations compare?

OPHC at $5.50 and PNBK at $1.12 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

OPHC vs PNBK Valuation Comparison 2026 — Intrinsic Value Analysis

OPHC

National Commercial Banks

OptimumBank Holdings, Inc.

Quality

8.8

out of 10

Value Trap

SAFE

Price

$5.50

Last close

Models

9/13

Active

PNBK

National Commercial Banks

Patriot National Bancorp Inc.

Quality

5.2

out of 10

Value Trap

SAFE

Price

$1.12

Last close

Models

9/13

Active

Model-by-Model Comparison

Model	Type	OPHC Fair Value	OPHC Upside	PNBK Fair Value	PNBK Upside
Bayesian DCF	Intrinsic	$0.82	-85.1%	$0.53	-52.9%
Earnings Power Value	Intrinsic	$7.81	+42.1%	$2.72	+130.1%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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OPHC vs PNBK — Which Stock Is More Undervalued?

OPHC scores higher with a 8.8/10 quality rating vs PNBK's 5.2/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing OptimumBank Holdings, Inc. (OPHC) and Patriot National Bancorp Inc. (PNBK) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

OPHC currently trades at $5.50 with a QOC of 8.8/10, while PNBK trades at $1.12 with a QOC of 5.2/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).