Ohio Valley Banc Corp. (OVBC) vs Rhinebeck Bancorp, Inc. (RBKB)

Ohio Valley Banc Corp. and Rhinebeck Bancorp, Inc. are both Banks Regional companies. Ohio Valley Banc Corp. and Rhinebeck Bancorp, Inc. are of similar size ($208.3M and $200.9M). Ohio Valley Banc Corp. trades at the lower P/E: 14.7× against 17.8×. Rhinebeck Bancorp, Inc. grew revenue faster over the last twelve months: 34.3% against 6.17%. Ohio Valley Banc Corp. has the higher net margin (14.3% vs 13.0%) and the higher return on invested capital (7.55% vs 0.00%). Across the 19 metrics below, Ohio Valley Banc Corp. leads on 10 and Rhinebeck Bancorp, Inc. on 9.

Valuation

Metric OVBC RBKB Banks Regional median
P/E 14.67 17.83 12.15
P/S 2.09 1.83 2.37
P/B 1.20 1.00 1.21
Price to free cash flow 3.92 10.42 10.80
EV/EBITDA n/m n/m —
EV/Sales 1.81 (2.05) 2.27
Earnings yield 6.82% 5.61% 8.11%
Free cash flow yield 25.54% 9.60% 8.98%

Profitability

Metric OVBC RBKB Banks Regional median
Gross margin 69.79% 70.48% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 14.31% 12.99% 18.66%
Free cash flow margin 53.49% 17.56% 21.18%
Return on equity 8.50% 7.35% 10.64%
Return on assets 0.90% 0.72% 1.13%
Return on invested capital 7.55% 0.00% 8.33%

Growth

Metric OVBC RBKB Banks Regional median
Revenue growth (TTM) 6.17% 34.27% 6.61%
EPS growth (last fiscal year) 42.67% 215.01% —
Revenue growth, 5-year CAGR 10.34% 7.55% 12.30%
Net income growth, 5-year CAGR 8.75% 11.17% 9.71%

Health

Metric OVBC RBKB Banks Regional median
Debt to equity 0.29 0.07 0.22
Current ratio 0.93 0.94 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric OVBC RBKB Banks Regional median
Dividend yield 3.55% — 3.75%
Payout ratio 0.28 0.00 0.27

Size

Metric OVBC RBKB Banks Regional median
Market cap 208.27m 200.92m 921.07m

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