Ohio Valley Banc Corp. (OVBC) vs Peoples Bancorp of North Carolina, Inc. (PEBK)

Ohio Valley Banc Corp. and Peoples Bancorp of North Carolina, Inc. are both Banks Regional companies. Ohio Valley Banc Corp. and Peoples Bancorp of North Carolina, Inc. are of similar size ($236.0M and $227.2M). Peoples Bancorp of North Carolina, Inc. trades at the lower P/E: 10.4× against 16.0×. Ohio Valley Banc Corp. grew revenue faster over the last twelve months: 6.17% against 4.79%. Peoples Bancorp of North Carolina, Inc. has the higher net margin (18.9% vs 14.3%) and the higher return on invested capital (15.4% vs 7.55%). Both pay a dividend; Ohio Valley Banc Corp. yields more (2.03% vs 1.92%). Across the 19 metrics below, Peoples Bancorp of North Carolina, Inc. leads on 10 and Ohio Valley Banc Corp. on 9.

Valuation

Metric OVBC PEBK Banks Regional median
P/E 16.04 10.44 12.02
P/S 2.29 1.98 2.36
P/B 1.31 1.46 1.23
Price to free cash flow 4.28 9.55 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 6.24% 9.57% 8.21%
Free cash flow yield 23.36% 10.47% 9.23%

Profitability

Metric OVBC PEBK Banks Regional median
Gross margin 69.79% 80.08% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 14.31% 18.93% 18.82%
Free cash flow margin 53.49% 20.71% 17.97%
Return on equity 8.50% 14.32% 10.28%
Return on assets 0.90% 1.26% 1.13%
Return on invested capital 7.55% 15.36% 8.45%

Growth

Metric OVBC PEBK Banks Regional median
Revenue growth (TTM) 6.17% 4.79% 6.37%
EPS growth (last fiscal year) 42.67% 21.48% 18.85%
Revenue growth, 5-year CAGR 10.34% 10.09% 12.65%
Net income growth, 5-year CAGR 8.75% 11.79% 9.81%

Health

Metric OVBC PEBK Banks Regional median
Debt to equity 0.29 0.10 0.17
Current ratio 0.93 0.87 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric OVBC PEBK Banks Regional median
Dividend yield 2.03% 1.92% 2.49%
Payout ratio 0.33 0.21 0.29

Size

Metric OVBC PEBK Banks Regional median
Market cap 227.21m 236.04m 934.85m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack