Ohio Valley Banc (OVBC) and SB One Bancorp (SBBX) Critical Review

Ohio Valley Banc (NASDAQ:OVBC) and SB One Bancorp (NASDAQ:SBBX) are both small-cap finance companies, but which is the better stock? We will compare the two companies based on the strength of their institutional ownership, risk, valuation, dividends, analyst recommendations, earnings and profitability.

Analyst Recommendations

This is a breakdown of recent ratings for Ohio Valley Banc and SB One Bancorp, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Ohio Valley Banc 0 0 0 0 N/A
SB One Bancorp 0 0 3 0 3.00

SB One Bancorp has a consensus target price of $29.00, indicating a potential upside of 24.46%. Given SB One Bancorp’s higher possible upside, analysts plainly believe SB One Bancorp is more favorable than Ohio Valley Banc.

Insider & Institutional Ownership

19.1% of Ohio Valley Banc shares are held by institutional investors. Comparatively, 43.4% of SB One Bancorp shares are held by institutional investors. 6.7% of Ohio Valley Banc shares are held by insiders. Comparatively, 14.4% of SB One Bancorp shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Risk and Volatility

Ohio Valley Banc has a beta of 0.23, suggesting that its share price is 77% less volatile than the S&P 500. Comparatively, SB One Bancorp has a beta of 0.63, suggesting that its share price is 37% less volatile than the S&P 500.

Valuation & Earnings

This table compares Ohio Valley Banc and SB One Bancorp’s gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Ohio Valley Banc $58.13 million 3.02 $11.94 million N/A N/A
SB One Bancorp $67.46 million 3.28 $9.92 million $1.86 12.53

Ohio Valley Banc has higher earnings, but lower revenue than SB One Bancorp.

Dividends

Ohio Valley Banc pays an annual dividend of $0.84 per share and has a dividend yield of 2.3%. SB One Bancorp pays an annual dividend of $0.30 per share and has a dividend yield of 1.3%. SB One Bancorp pays out 16.1% of its earnings in the form of a dividend. SB One Bancorp has increased its dividend for 2 consecutive years.

Profitability

This table compares Ohio Valley Banc and SB One Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Ohio Valley Banc 17.07% 8.50% 0.95%
SB One Bancorp 19.25% 10.42% 1.08%

Summary

SB One Bancorp beats Ohio Valley Banc on 11 of the 15 factors compared between the two stocks.

Ohio Valley Banc Company Profile

Ohio Valley Banc Corp. operates as the bank holding company for The Ohio Valley Bank Company that provides commercial and consumer banking products and services. The company operates in two segments, Banking and Consumer Finance. It accepts various deposit products, including checking, savings, time, and money market accounts, as well as individual retirement accounts, demand deposits, NOW accounts, and certificates of deposit. The company also provides various residential real estate loans, including one-to four-family residential mortgages; commercial loans for securing equipment, inventory, stock, commercial real estate, and rental property; and consumer loans secured by automobiles, mobile homes, recreational vehicles, and other personal property, as well as personal loans, unsecured credit card receivables, floor plan and student loans, and construction loans. In addition, it offers safe deposit boxes, wire transfers, credit card services, and Internet banking services; and financial management online services, such as cash management and news updates related to repossession auctions, current rates, and general bank news. Further, the company provides automatic teller machine (ATM) services, consumer finance, seasonal tax refund loan services, and commercial property and various liability insurance services, as well as trust services. As of January 30, 2018, it operated 19 offices in Ohio and West Virginia; and Loan Central with 6 consumer finance offices in Ohio. The company owns and operates 36 ATMs, including 19 off-site ATMs. Ohio Valley Banc Corp. was founded in 1872 and is based in Gallipolis, Ohio.

SB One Bancorp Company Profile

SB One Bancorp operates as a bank holding company for SB One Bank that provides commercial banking and related financial services to individual, business, and government customers. It operates in two segments, Banking and Financial Services, and Insurance Services. The company's deposit products include personal and business checking, money market, and savings accounts, as well as time and demand deposits. Its loan portfolio comprises commercial, consumer, residential real estate, home equity, and personal loans. The company also operates as a full service general insurance agency, which offers commercial and personal lines of insurance. It operates eight branches located in Sussex County, New Jersey; two branches in Essex County, New Jersey; one branch in Warren County, New Jersey; one branch in Bergen County, New Jersey; one branch in Middlesex County, New Jersey; one branch in Union County, New Jersey; and one branch in Queens County, New York. The company was formerly known as Sussex Bancorp and changed its name to SB One Bancorp in April 2018. SB One Bancorp was founded in 1975 and is based in Rockaway, New Jersey.

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