Optima Bank Company Profile and Stock Analysis

Optima Bank is a well-established financial institution with a strong presence in the market. It was founded in 1997 and has since grown to become one of the leading banks in the country.

The bank's headquarters is located in a major city, with a large network of branches and ATMs across the country. Optima Bank offers a wide range of financial services, including personal and business banking, loans, and investments.

With a strong focus on customer satisfaction, Optima Bank has built a reputation for providing high-quality services and products. Its commitment to innovation and technology has also enabled it to stay ahead of the competition.

Optima Bank's management team is comprised of experienced professionals with a deep understanding of the financial industry.

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Optima Bank S.A. is a company that can be found on the stock market under the ticker symbol OPTIMA Stock. It's part of the equities market, which is a type of financial market.

The company is listed on the stock market, which means its shares can be bought and sold by investors.

OPTIMA is a Greek financial services company that offers banking, brokerage, and investment banking services.

The company's services cater to a specific market, focusing on Greece.

OPTIMA's fundamental analysis scores are as follows: Valuation - 3/6, Future Growth - 4/6, Past Performance - 6/6, Financial Health - 6/6, and Dividends - 3/6.

The scores indicate that OPTIMA has strong past performance and financial health, but may have some valuation and dividend concerns.

Earnings are forecast to grow 12.23% per year, indicating a positive future outlook.

Optima Bank S.A. is listed on the stock market, which means its shares are publicly traded.

The company's stock is known as OPTIMA Stock, and it's categorized under equities.

Here are some key details about Optima Bank S.A.:

Optima Bank has a strong management team led by Dimitrios Kyparissis, who has been serving as CEO since December 31, 2018.

Dimitrios Kyparissis is also a Director/Board Member, a position he has held since December 31, 2018.

Angelos Sapranidis is the Director of Finance/CFO, but his exact age and start date are not specified in the provided information.

Akis Giouchas is the Chief Operating Officer, taking on this role on May 31, 2019.

The bank is chaired by Georgios Taniskidis, who has been in this position since June 30, 2019.

Petros Tzannetakis is a Director/Board Member, and at the age of 70, he brings a wealth of experience to the table.

Here is a list of the bank's senior management team:

Optima bank's financial performance is quite impressive. Earnings are forecast to grow 12.23% per year.

Their stock performance is also noteworthy, with a 1-year return of 88.7%, significantly outperforming the Greek Banks industry which returned 23.6% over the same period. This is a testament to the bank's solid financial health.

Here's a breakdown of Optima's stock performance compared to its industry and market peers:

OPTIMA has a strong presence in the Greek market, providing banking, brokerage, and investment banking services.

OPTIMA's fundamental analysis suggests a mixed picture, with a valuation score of 3/6, indicating potential overvaluation.

The company's future growth is forecast to be 12.23% per year, which is a positive sign.

OPTIMA's past performance has been excellent, with a score of 6/6, indicating consistent growth and stability.

The company's financial health is also strong, with a score of 6/6, indicating a solid balance sheet and low debt levels.

OPTIMA's dividend yield is relatively low, with a score of 3/6, indicating limited income for investors.

In terms of shareholder returns, OPTIMA has outperformed the Greek Banks industry over the past year, returning 88.7% compared to 23.6%.

OPTIMA has also outperformed the Greek Market over the past year, returning 88.7% compared to 8.5%.

Here's a comparison of OPTIMA's performance with the Greek Banks industry and the Greek Market over the past year:

The price history of Optima bank is quite impressive. The current share price is €14.34, which is a significant increase from its 52 Week Low of €7.48.

Over the past year, the bank's share price has risen by a staggering 88.68%. This is a clear indication of the bank's financial performance and stability.

In just one month, the share price has increased by 7.01%, while over the past three months, it has risen by 12.91%. These numbers are a testament to the bank's strong performance.

Here's a summary of the bank's share price changes over the past year:

The bank's beta is 0, indicating that its stock price is not highly sensitive to market fluctuations. This is a positive sign for investors, as it suggests that the bank's performance is relatively stable.

At Optima bank, risk analysis is taken seriously, and for good reason. No risks have been detected for OPTIMA from our risk checks.

This level of scrutiny ensures that customers can trust their financial dealings with the bank, knowing that potential threats are being constantly monitored and addressed.

OPTIMA's price has been relatively stable over the past 3 months compared to the Greek market.

OPTIMA's average weekly movement is 2.5%, which is lower than the banks industry average movement of 3.7%.

The market average movement is 3.4%, still higher than OPTIMA's average weekly movement.

OPTIMA's weekly volatility has been stable over the past year, with a weekly movement of 2%.

In comparison, the 10% most volatile stocks in the GR market have an average weekly movement of 5.4%.

The 10% least volatile stocks in the GR market have an average weekly movement of 2.3%, which is closer to OPTIMA's average weekly movement.

Risk Analysis is a crucial step in identifying potential threats to your security. No risks detected for OPTIMA from our risk checks.

In this context, risk analysis is about assessing the likelihood and potential impact of various risks on your security. The good news is that OPTIMA has been thoroughly checked and no risks were detected.

A different take: What Has a Bank with No Money?

Optima bank S.A. participates in the deposit guarantee scheme of Greece, which covers deposits made by natural persons and legal entities up to 100,000 EUR (or equivalent in local currency) per bank per depositor. This means your deposits are protected in case the bank faces financial difficulties.

The scheme applies to all deposit accounts, ensuring that your savings are secure and protected.

At Optima bank, operations and products are designed to make your life easier. They offer a wide range of banking services, including online banking, mobile banking, and a network of ATMs.

Their online banking platform allows you to manage your accounts, pay bills, and transfer funds from anywhere with an internet connection. You can also view your account history and transaction details.

With Optima bank, you can bank on-the-go with their mobile banking app, which is available for both iOS and Android devices. The app allows you to check your balance, make transactions, and even deposit checks remotely.

For your interest: Td Bank Mobile Banking App

Optima bank S.A. offers their savings products in Greece, allowing individuals to save and grow their money in a secure environment.

Their presence in Greece also means they have a deep understanding of the local market and can tailor their services to meet the unique needs of Greek citizens.

Optima bank S.A. has a strong presence in Greece, where they offer a range of savings products that cater to different customer needs.

Optima bank S.A. offers a range of products, including deposits and savings accounts in EUR and USD.

The bank offers 34 deposits and 1 savings account in EUR and USD.

You can choose from various fixed deposits in EUR and USD, depending on your needs.

In Greece, Optima bank S.A. offers fixed deposits in EUR with interest rates ranging from 1.75% to 2.25%.

For example, a 3 months deposit in EUR earns 1.75% interest, while a 6 months deposit earns 2.25%.

In USD, the interest rates for fixed deposits in Greece range from 0.01% to 3.60%.

Here's a summary of the fixed deposits offered by Optima bank S.A. in USD:

Our loans are designed to meet the diverse needs of our customers, offering a range of options to suit different financial situations.

We offer personal loans with flexible repayment terms, allowing borrowers to choose a schedule that fits their budget. These loans can be used for a variety of purposes, from consolidating debt to financing a major purchase.

Our business loans provide financing for entrepreneurs and small business owners, offering access to capital for growth and expansion. We also offer lines of credit for businesses, providing a revolving credit facility for ongoing expenses.

Our payday loans are designed for short-term financial emergencies, offering quick access to cash for unexpected expenses. These loans are typically repaid within a few weeks, making them a convenient option for borrowers who need a fast infusion of cash.

Our credit cards offer rewards and cashback programs, providing an incentive for customers to use them for everyday purchases. We also offer balance transfer options, allowing customers to consolidate higher-interest debt onto a lower-interest card.

Optima bank has a diverse group of institutional shareholders. The Vanguard Group, Inc. holds 2.43 million shares, which accounts for 3.29% of the total shares.

The top institutional holders of Optima bank shares include The Vanguard Group, Inc., Fiera Capital (UK) Ltd., and Capital Research & Management Co. (World Investors).

Fiera Capital (UK) Ltd. holds 2.08 million shares, a significant increase from its initial holding. Alpha Asset Management A.E.D.A.K also saw an increase, with 46,300 shares added to its holding.

In contrast, Bridge Fund Management Ltd. sold 9,480 shares, a decrease of 8.55% from its previous holding.

Here is a breakdown of the top institutional holders:

The institutional shareholders have made various transactions, with some increasing their holdings and others decreasing them.

Optima bank is facing stiff competition from other major players in the banking industry. Its main competitors include Nova Bank, which has a market share of 12.5%, and Apex Bank, with a market share of 9.8%.

Nova Bank has been aggressively expanding its services, including online banking and mobile payments, which has helped it gain a significant customer base. Optima bank, on the other hand, has been focusing on improving its customer experience through its user-friendly website and mobile app.

In terms of valuation, Optima bank has a market capitalization of $1.2 billion, which is lower than Nova Bank's $2.5 billion. However, Optima bank's revenue has been steadily increasing over the past year, reaching $500 million in 2022.

The main competitors in the industry are Amazon, Google, and Facebook, which have a significant market share and influence the market with their vast resources and capabilities.

Amazon is a major player, with a strong e-commerce platform and a growing cloud computing business, known as Amazon Web Services (AWS). Its revenue has consistently surpassed $100 billion in recent years.

Google has a dominant search engine and advertising business, generating over $160 billion in revenue in 2020. It also has a significant presence in cloud computing with Google Cloud Platform.

Facebook, on the other hand, is a leading social media platform with over 2.7 billion monthly active users, generating over $85 billion in revenue in 2020.

These competitors have significant resources and capabilities, making it challenging for new entrants to compete.

Valuation is a crucial aspect of any company's analysis. Optima Bank S.A. has a capitalization of $1.06B, $1.1B, $993M, $875M, $1.59B, $96.24B, $1.77B, $11.81B, $4.4B, $40.2B, $4.13B, $4.04B, and $165B at different points in time.

The P/E ratio for Optima Bank S.A. is 7.41x in 2024 and 6.61x in 2025. This indicates the price of the stock relative to its earnings.

Enterprise value is another important metric, and Optima Bank S.A.'s enterprise value is $1.06B, $1.1B, $993M, $875M, $1.59B, $96.24B, $1.77B, $11.81B, $4.4B, $40.2B, $4.13B, $4.04B, and $165B.

The EV/Sales ratio is 4.16x in 2024 and 3.63x in 2025, indicating the relationship between the company's enterprise value and its sales.

Optima Bank S.A. has a free float of 81.21%. This means that a significant portion of the company's shares are available for trading.

The yield for Optima Bank S.A. is 4.04% in 2024 and 4.53% in 2025. This represents the return on investment for the company's shares.

Here are the valuation metrics for Optima Bank S.A. in a concise table: