Ohio Valley Banc (NASDAQ:OVBC) vs. FirstSun Capital Bancorp (NASDAQ:FSUN) Head to Head Survey

Ohio Valley Banc (NASDAQ:OVBC) and FirstSun Capital Bancorp (NASDAQ:FSUN) are both small-cap finance companies, but which is the better investment? We will contrast the two businesses based on the strength of their earnings, profitability, dividends, risk, valuation, analyst recommendations and institutional ownership.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Ohio Valley Banc	14.97%	8.97%	0.93%
FirstSun Capital Bancorp	15.94%	9.00%	1.17%

Analyst Ratings

This is a summary of recent ratings and price targets for Ohio Valley Banc and FirstSun Capital Bancorp, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Ohio Valley Banc	0	0	1	0	3.00
FirstSun Capital Bancorp	0	1	3	0	2.75

FirstSun Capital Bancorp has a consensus target price of $43.33, suggesting a potential upside of 14.04%. Given FirstSun Capital Bancorp’s higher possible upside, analysts clearly believe FirstSun Capital Bancorp is more favorable than Ohio Valley Banc.

Insider and Institutional Ownership

22.1% of Ohio Valley Banc shares are held by institutional investors. 7.1% of Ohio Valley Banc shares are held by company insiders. Comparatively, 12.5% of FirstSun Capital Bancorp shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

Earnings and Valuation

This table compares Ohio Valley Banc and FirstSun Capital Bancorp”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Ohio Valley Banc	$88.93 million	2.13	$11.00 million	$3.00	13.38
FirstSun Capital Bancorp	$549.33 million	1.93	$75.63 million	$3.16	12.03

FirstSun Capital Bancorp has higher revenue and earnings than Ohio Valley Banc. FirstSun Capital Bancorp is trading at a lower price-to-earnings ratio than Ohio Valley Banc, indicating that it is currently the more affordable of the two stocks.

Summary

FirstSun Capital Bancorp beats Ohio Valley Banc on 9 of the 13 factors compared between the two stocks.

About Ohio Valley Banc

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 box, wire transfer, credit card, home equity loans, 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 machines (ATMs), consumer finance, seasonal tax preparation, commercial property, and various liability insurance services, as well as trust and online-only consumer direct mortgage services. The company owns and operates ATMs, including off-site ATMs. It operates offices in Ohio and West Virginia. The company was founded in 1872 and is based in Gallipolis, Ohio.

About FirstSun Capital Bancorp

FirstSun Capital Bancorp engages in the provision of commercial banking services. It operates through the following segments: Banking, Mortgage Operations, and Corporate. The Banking segment consists of loans and provides deposits and fee-based services to consumer, business, and mortgage lending customers. The Mortgage Operations segment originates, sells, services, and manages market risk from changes in interest rates on one-to-four family residential mortgage loans to sell and hold. The company is founded on November 9, 1981 headquartered in Denver, CO.