Ohio Valley Banc Corp. (OVBC) vs SB Financial Group, Inc. (SBFG)

Ohio Valley Banc Corp. and SB Financial Group, Inc. are both Banks Regional companies. Ohio Valley Banc Corp. and SB Financial Group, Inc. are of similar size ($208.3M and $192.2M). SB Financial Group, Inc. trades at the lower P/E: 11.1× against 14.7×. SB Financial Group, Inc. grew revenue faster over the last twelve months: 8.95% against 6.17%. SB Financial Group, Inc. has the higher net margin (17.7% vs 14.3%) and the higher return on invested capital (26.8% vs 7.55%). Both pay a dividend; Ohio Valley Banc Corp. yields more (3.55% vs 3.25%). Across the 20 metrics below, SB Financial Group, Inc. leads on 12 and Ohio Valley Banc Corp. on 8.

Valuation

Metric OVBC SBFG Banks Regional median
P/E 14.67 11.14 12.15
P/S 2.09 1.95 2.37
P/B 1.20 1.26 1.21
Price to free cash flow 3.92 8.02 10.80
EV/EBITDA n/m n/m —
EV/Sales 1.81 0.92 2.27
Earnings yield 6.82% 8.98% 8.11%
Free cash flow yield 25.54% 12.47% 8.98%

Profitability

Metric OVBC SBFG Banks Regional median
Gross margin 69.79% 72.07% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 14.31% 17.67% 18.66%
Free cash flow margin 53.49% 24.35% 21.18%
Return on equity 8.50% 11.95% 10.64%
Return on assets 0.90% 1.08% 1.13%
Return on invested capital 7.55% 26.76% 8.33%

Growth

Metric OVBC SBFG Banks Regional median
Revenue growth (TTM) 6.17% 8.95% 6.61%
EPS growth (last fiscal year) 42.67% 27.33% —
Revenue growth, 5-year CAGR 10.34% 4.59% 12.30%
Net income growth, 5-year CAGR 8.75% (1.33%) 9.71%

Health

Metric OVBC SBFG Banks Regional median
Debt to equity 0.29 0.29 0.22
Current ratio 0.93 0.95 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric OVBC SBFG Banks Regional median
Dividend yield 3.55% 3.25% 3.75%
Payout ratio 0.28 0.28 0.27

Size

Metric OVBC SBFG Banks Regional median
Market cap 208.27m 192.15m 921.07m

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