Optima bank S.A. (OPTIMA.AT) stock analysis

In our weekly check, Optima bank S.A. is graded B (A to F). Of 25 checks on debt, profit, cash flow and trend: 19 pass, warnings: 2, red flags: 4.

About Optima bank S.A.

Optima bank S.A. is a Financial Services company (Banks - Regional) based in Greece, listed on ATH as OPTIMA.AT.

What our checks show for OPTIMA.AT

Red flags

• The gross margin fell by 50.9 points, to 49.1%: costs are rising faster than prices.
• Analysts expect the net margin to shrink by 33.2 points from today's 91.9%.
• The share count grew by 38.5% in 2 years: each shareholder owns a smaller slice.
• Return on capital (ROCE) is only 2.8%.

Warning signs

• The price swings a lot: 36.3% annual volatility. Expect large ups and downs.

Strengths

• The net margin rose by 70.8 points over 5 years, to 91.9%.
• Analysts expect earnings per share to grow about 20.8% a year over the next years.
• Analysts expect revenue to grow about 45.5% a year over the next years.
• Revenue grew 29.7% a year over the last 3 years.
• Earnings per share grew 14.5% a year over the last 3 years.
• Net profit grew 65.8% a year over the last 3 years.

Next earnings report: 2026-12-02

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Questions

What grade does Optima bank S.A. (OPTIMA.AT) have?

In our weekly check, Optima bank S.A. is graded B (A to F). Of 25 checks on debt, profit, cash flow and trend: 19 pass, warnings: 2, red flags: 4. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of OPTIMA.AT stock?

This week's biggest flags for Optima bank S.A.: Gross margin falling, Margins expected to shrink, Share dilution. In total 6 of 25 checks show a warning or a red flag.

What does Optima bank S.A. do?

Optima bank S.A. is a Financial Services company (Banks - Regional) based in Greece, listed on ATH as OPTIMA.AT.

When does Optima bank S.A. report earnings next?

The next earnings report is expected on 2026-12-02. We re-run the checks every week, so the grade can change after it.

The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.

Updated 2026-10-31

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