CF Bankshares Inc. (CFBK) vs Ohio Valley Banc Corp. (OVBC)

CF Bankshares Inc. and Ohio Valley Banc Corp. are both Banks Regional companies. CF Bankshares Inc. and Ohio Valley Banc Corp. are of similar size ($221.5M and $208.3M). CF Bankshares Inc. trades at the lower P/E: 11.8× against 14.7×. Ohio Valley Banc Corp. grew revenue faster over the last twelve months: 6.17% against −0.37%. CF Bankshares Inc. has the higher net margin (14.8% vs 14.3%) and the higher return on invested capital (25.6% vs 7.55%). Both pay a dividend; Ohio Valley Banc Corp. yields more (3.55% vs 1.11%). Across the 20 metrics below, Ohio Valley Banc Corp. leads on 11 and CF Bankshares Inc. on 9.

Valuation

Metric CFBK OVBC Banks Regional median
P/E 11.82 14.67 12.15
P/S 1.75 2.09 2.37
P/B 1.12 1.20 1.21
Price to free cash flow 12.21 3.92 10.80
EV/EBITDA n/m n/m —
EV/Sales 0.63 1.81 2.27
Earnings yield 8.46% 6.82% 8.11%
Free cash flow yield 8.19% 25.54% 8.98%

Profitability

Metric CFBK OVBC Banks Regional median
Gross margin 50.12% 69.79% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 14.75% 14.31% 18.66%
Free cash flow margin 14.30% 53.49% 21.18%
Return on equity 9.92% 8.50% 10.64%
Return on assets 0.86% 0.90% 1.13%
Return on invested capital 25.60% 7.55% 8.33%

Growth

Metric CFBK OVBC Banks Regional median
Revenue growth (TTM) (0.37%) 6.17% 6.61%
EPS growth (last fiscal year) 30.58% 42.67% —
Revenue growth, 5-year CAGR 4.23% 10.34% 12.30%
Net income growth, 5-year CAGR (9.06%) 8.75% 9.71%

Health

Metric CFBK OVBC Banks Regional median
Debt to equity 0.59 0.29 0.22
Current ratio 1.14 0.93 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CFBK OVBC Banks Regional median
Dividend yield 1.11% 3.55% 3.75%
Payout ratio 0.08 0.28 0.27

Size

Metric CFBK OVBC Banks Regional median
Market cap 221.45m 208.27m 921.07m

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