OPTIMAFinancial Services · Banks - Regional · ΧΑ
Optima Bank
€12.88
+0.14(+1.10%)
Close 26/10/2026 · end-of-day price, not real-time
Optima Bank (OPTIMA) closed at €12.88 on 26/10/2026, +1.10% on the day. Market cap €2.8bn, P/E 16.7, dividend yield 1.79%.
My view
Private · MENTOR takes it into account
+41.9%6M
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26/10/2026Close 12.88+1.10%Vol 346.5k+41.9% since start
Key statistics
FY2025 unless a figure says otherwise
Profile
At the 26 Oct close- Market value
- €2.8bn
- Shares outstandingOct 2026
- 221.2m
- Total incomeFY2025
- €297.6m
- Employees
- 663
- Traded a day, 3-month average
- €7.1m
Bank
H1 2026- RoTE
- 27.2%
- CET1
- 11.8%
- NPE ratio
- 1.6%
- Net interest margin
- 3.2%
Valuation
FY2025- P/E
- 16.7×
- P/B
- 3.8×
- Dividend yield
- 1.8%
Returns
FY2025- ROE
- 24.9%
- ROA
- 2.2%
- ROE, 5-year averageFY2021–25
- 23.4%
- Tax rate
- 17.4%
Growth
- Revenue, last yearFY2025
- +16.8%
- EPS, last yearFY2025
- +22.2%
- Revenue, 3 yearsFY2022–25, a year
- +45.7%
- EPS, 3 yearsFY2022–25, a year
- −12.0%
Dividends
FY2025- Yield, last 12 months
- 1.8%
- Per share
- €0.570
- Payout
- 74.0%
- Years paid, last fiveFY2021–25
- 3
Withheld, and why
- Profile: Enterprise value · Valuation: EV/Sales, EV/EBITDA, P/FCF · Margins · Returns: ROCE, ROIC · Financial health · Dividends: Covered by free cash flow · a bank or an insurer is read on its capital and its loans: deposits and wholesale funding are its raw material, not its debt
Trading and risk
From our closes, dividends reinvested- Total return, 1 year
- +66.1%
- 3 years, a year
- +81.5%
- Volatility, 1 year
- 36.5%
- Beta to the General Index
- 1.06×
- Deepest fall, 1 year / 5 years
- −18.8% / −26.1%
- 52-week range
- €7.58–€15.68
read with care: tap for why
Where the figures come from: the company's reports, reviewed by us · annual accounts filed in ESEF format · results announcements on the exchange · our own closing prices. No forecasts or target prices are stored.
Financial charts
From the stored figures: the reviewed dossier first, then the annual reports (ESEF) and results announcements
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Valuation
6 companies| Metric | OPTIMA | Peer median | Peer range |
|---|---|---|---|
| P/E | 16.7 | 11.3 | 9.1 12.0 |
| P/B | 3.8 | 1.6 | 1.1 2.0 |
| Dividend yield | 1.8% | 3.0% | 0.0% 7.1% |
| Payout ratio | 74.0% | 34.9% | 12.2% 63.6% |
| ROE | 24.9% | 12.2% | 1.6% 18.2% |
| Revenue growth (last full year) | 16.8% | −0.7% | -4.9% 88.4% |
Grey band: the peers' range · tick: median · dot: OPTIMA · Twelve Data · latest quarter 31/12/2025
Peers: Banks
Mkt capP/BROEDay
Optima BankOPTIMA€2.8bn3.824.9%+1.1%
The company
AI-draftedOptima bank is a Greek commercial bank based in Maroussi with a 30-branch network. It lends mainly to companies with turnover above €2.5m and serves affluent individuals, and through subsidiaries offers brokerage, mutual funds, factoring and leasing. It listed on the Athens Exchange in October 2023.
How it makes moneyH1 2026 · basis: other
It is
It is not
Recent developmentsAll company events →
- Jun 2026€200m AT1 issue at 6.75%; the 17.37% total capital ratio includes interim profit after a dividend provision.2,4,7
- Jun 2026FY2025 dividend of €0.23 per share, €50.9m in total, paid to shareholders.8
- May 2026The AGM enlarged the Board from eleven to twelve members.2
- Mar 2026Non-binding offer for 67–80.84% of Euroxx Securities, with an indicative maximum of €65.5m.5,6
- Jul 2025Three-for-one share split; 221,322,426 shares traded from 9 July 2025.1
- Jun 2025€150m Tier 2 bond issued at a 5.5% yield, 11.1 times oversubscribed.1
Key figures
Key facts
- Largest notified holder is Motor Oil with 8.95% through Ireon Investments; Ioannis V. Vardinoyannis holds 7.26%.1
- 663 employees and 30 branches at 30 June 2026, with zero ECB funding.3,4
- FY2025 dividend of €0.23 per share, €50.9m in total, paid from 30 June 2026.8
- Management raised 2026 guidance to net profit above €210m, excluding any Euroxx impact.4
- €200m AT1 issued at 6.75% in June 2026 is booked in equity, not common CET1 capital.2,7
Sources
- 1.Annual Financial Report for the year 2025Optima bank · 03/03/2026official
- 2.Condensed interim financial statements for the six months ended 30 June 2026Optima bank · 30/07/2026official
- 3.1H 2026 results press releaseOptima bank · 30/07/2026official
- 4.1H 2026 results presentationOptima bank · 30/07/2026official
- 5.Announcement regarding important corporate events (Euroxx non-binding offer)Optima bank · 17/03/2026official
- 6.Clarifying announcement of important corporate eventOptima bank · 18/03/2026official
- 7.Announcement for the successful issuance of €200,000,000 Additional Tier 1 NotesOptima bank · 11/06/2026official
- 8.Dividend distribution for Financial Year 2025Optima bank · 19/06/2026official
- 9.The group — our history and milestonesOptima bankofficial
AI-drafted from the cited sources · 30/09/2026 · v3 · ✓ checked by an independent second modelOptima Bank S.A.Website ↗
AskedSuggested
Why it moved
+1.10% · volume 0.8×
News & events
News and what's next
Peers
5 listed peers
Results
How it did vs last year
Valuation
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Data: Twelve Data · End-of-day prices · Nothing here is investment advice.