OP Bancorp (OPBK) vs Ohio Valley Banc Corp. (OVBC)

OP Bancorp and Ohio Valley Banc Corp. are both Banks Regional companies. OP Bancorp and Ohio Valley Banc Corp. are of similar size ($225.6M and $208.3M). OP Bancorp trades at the lower P/E: 7.8× against 14.7×. OP Bancorp grew revenue faster over the last twelve months: 7.14% against 6.17%. OP Bancorp has the higher net margin (16.9% vs 14.3%) and the higher return on invested capital (15.4% vs 7.55%). Both pay a dividend; OP Bancorp yields more (4.96% vs 3.55%). Across the 20 metrics below, OP Bancorp leads on 14 and Ohio Valley Banc Corp. on 6.

Valuation

Metric OPBK OVBC Banks Regional median
P/E 7.78 14.67 12.15
P/S 1.32 2.09 2.37
P/B 0.95 1.20 1.21
Price to free cash flow 8.38 3.92 10.80
EV/EBITDA n/m n/m —
EV/Sales 0.88 1.81 2.27
Earnings yield 12.85% 6.82% 8.11%
Free cash flow yield 11.94% 25.54% 8.98%

Profitability

Metric OPBK OVBC Banks Regional median
Gross margin 57.65% 69.79% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 16.90% 14.31% 18.66%
Free cash flow margin 15.72% 53.49% 21.18%
Return on equity 12.83% 8.50% 10.64%
Return on assets 1.09% 0.90% 1.13%
Return on invested capital 15.37% 7.55% 8.33%

Growth

Metric OPBK OVBC Banks Regional median
Revenue growth (TTM) 7.14% 6.17% 6.61%
EPS growth (last fiscal year) 23.74% 42.67% —
Revenue growth, 5-year CAGR 20.94% 10.34% 12.30%
Net income growth, 5-year CAGR 14.67% 8.75% 9.71%

Health

Metric OPBK OVBC Banks Regional median
Debt to equity 0.42 0.29 0.22
Current ratio 1.02 0.93 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric OPBK OVBC Banks Regional median
Dividend yield 4.96% 3.55% 3.75%
Payout ratio 0.25 0.28 0.27

Size

Metric OPBK OVBC Banks Regional median
Market cap 225.63m 208.27m 921.07m

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