Optima bank stock
OPTIMA.ATATHOptima bank S.A., Financial ServicesISIN GRS533003000
65Score 65 out of 100, Neutral
Price and trend
86 / 100
Price history
+88% in one yearThe chart shows daily closes over 3 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Above the 200-day line: the price is 36% above it.
Normal: the price is neither overheated nor sold off (RSI 67).
The price is 5.8% below its 52-week high. Largest decline in 3 years: 26% (March 2025 to April 2025).
Chart figures for advanced users
- SMA 50$15.19
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$12.00
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)67
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDabove the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$8.40
- The lowest closing price of the last twelve months.
- Resistance$17.38
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- Optima bank S.A. belongs to the Banks (Regional) industry (Greece) and, with a market value of $3.62B, is number 195 of 420 companies in its industry on MEQIRI.
- In fiscal 2025 it earned $188.38M (up 21.2% year on year).
- MEQIRI Score 65 out of 100 (Neutral): rank 598 of 975 in Financial Services, median 68.
Show more
- The P/E is 16.9 (Banks (Regional) median 12.2, own median of recent years 6.8).
- Our model puts fair value at $11.84, with the price 38% above it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- High return on equityReturn on equity 25.5% over the last 12 months.Profitability 67
- Analysts expect strong earnings growthUp 17.2% a year through 2028 (estimates from 3 analysts).Growth 50
Weaknesses
- DilutionShare count up 200% since 2020.Capital allocation 53
- Richly valuedP/E 16.9, Banks (Regional) median 12.2, own median 6.8.Valuation 49
Its standout strengths are momentum and technical analysis, while valuation holds the score back.
Daily figure as of 13 Nov 2026
How the score is calculatedScore overview
The fundamentals are in the middle range.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk medium
How well MEQIRI warnsIn the middle among smaller stocks.
From 2016 to 2025, 20 in 100 such stocks fell 30% or more within a year, against a group average of 23 in 100.
What drives the risk
- price up very strongly over the past year
What lowers it
- price near its 52-week high
Valuation
Valuation signal
Modestly overvaluedIn our model the price counts as cheap below $9.11 and expensive above $16.91 (uncertainty medium, based on the price swings of the past year).
The two parts of the fair value come to $11.83 (excess return model) and $11.85 (industry comparison), and the gap between them shows how uncertain the estimate is. The price is above both.
Calculated with a cost of equity of 9.1%. At 10.1% the fair value would be $10.95, at 8.1% it would be $13.11.
Valuation metrics
Half from the excess return model, half from earnings times the industry P/E (12.2).
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the quarter to 30 Jun 2026, revenue rose 35.1% on the same quarter a year earlier. Revenue has grown strongly since 2015, at around 32% per year.
Margins
- Operating margin
- Net margin
In fiscal 2025: operating 130%, net 108%. Banks and insurers have no gross margin, and their net margin is not comparable with other industries. The score leaves both out. Last 12 months: net 100%.
Debt & balance sheet
latest quarterFor banks and insurers, deposits and liabilities are the business. Debt to equity and the current ratio say little here, and the score does not rate them.
Earnings
- Next earnings
- 3 Mar 2027in 110 days
- Last reported
- 30 Jul 2026EPS reported $0.28
Analyst estimates
Earnings estimates have barely changed since 28 Oct 2026.
- Earnings per share
- $1.09−0.4%
- Revenue
- $421.16M+0.2%
- Earnings per share
- $1.33−0.9%
- Revenue
- $516.38M+0.2%
MEQIRI has stored the estimates since 28 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
What happened at Optima bank
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
975 rated companies in Financial Services
- This company
- 65
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Banks (Regional)
The next larger and next smaller companies by market value
- Independent BankINDB $3.9B69
- Sparebanken NorgeSBNOR.OL $3.78B73
- WesBancoWSBC $3.69B67
- Nicolet BanksharesNIC $3.62B69
- RenasantRNST $3.6B60
- Banco MacroBMA $3.53B54
- First Interstate BancSystemFIBK $3.49B63
- BTV Vier Länder BankBTS.VI $3.45B63
ETFs that hold Optima bank
Held by 12 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| Amundi MSCI Greece UCITS ETF DistLYMH | 2.92% | 0.55% | €469.17M |
| Expat Greece ASE UCITS ETFGRX | 2.02% | 3.50% | €525.2K |
| State Street SPDR MSCI Emerging Markets Small Cap UCITS ETFSPYX | 0.22% | 0.55% | €528.3M |
Show 5 more
| iShares MSCI EM Small Cap UCITS ETFEUNI | 0.20% | 0.74% | €279.38M |
| Avantis Emerging Markets Equity UCITS ETF USD AccAVEM | 0.03% | 0.35% | €284.54M |
| iShares Core MSCI EM IMI UCITS ETFIS3N | 0.02% | 0.18% | €37.98B |
| iShares MSCI EM IMI Screened UCITS ETF USD (Acc)AYEM | 0.02% | 0.18% | €5.26B |
| Vanguard ESG Global All Cap UCITS ETF (USD) AccumulatingV3AA | 0.00% | 0.24% | €1.69B |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 13 Nov 2026, recalculated nightly
- Price
- Closing price of 12 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Currency
- Amounts in US dollars, converted at the ECB reference rate of 12 Nov 2026 ($1 = €0.9024)
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Neutral, published since 7 Nov 2026 (in the score history since 6 Feb 2026)
- Valuation signal Fairly valued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.