Ohio Valley Banc (NASDAQ:OVBC – Get Rating) and M&F Bancorp (OTCMKTS:MFBP – Get Rating) are both small-cap financial companies, but which is the better deal? We’ll compare the two companies based on the strength of their institutional ownership, profitability, analyst recommendations, earnings, risk, valuation, and dividends.
This is a summary of the current recommendations and price targets for Ohio Valley Banc and M&F Bancorp as reported by MarketBeat.com.
|sell reviews||keep ratings||Buy reviews||Strong buy recommendations||rating score|
|Ohio Valley Bank||0||0||0||0||N / A|
|M&F Bancorp||0||0||0||0||N / A|
profit and rating
This table compares the gross earnings, earnings per share and valuation of Ohio Valley Banc and M&F Bancorp.
|gross receipts||price/sales ratio||net income||earnings per share||price-earnings ratio|
|Ohio Valley Bank||$54.58 million||2.71||$11.73 million||$2.58||02/12|
|M&F Bancorp||N / A||N / A||N / A||N / A||N / A|
Ohio Valley Banc has higher revenues and profits than M&F Bancorp.
Risk & Volatility
Ohio Valley Banc has a beta of 0.23, indicating its stock price is 77% less volatile than the S&P 500. In comparison, M&F Bancorp has a beta of 0.69, indicating its stock price is 31% is less volatile than the S&P 500.
Institutional and Insider Ownership
Institutional investors hold 13.6% of Ohio Valley Banc’s shares. 3.6% of shares in Ohio Valley Banc are held by company insiders. In comparison, 2.9% of M&F Bancorp shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers, and hedge funds believe a stock will outperform the market over the long term.
This table compares the net margins, return on equity and return on total assets for Ohio Valley Banc and M&F Bancorp.
|net margins||return on equity||return on investment|
|Ohio Valley Bank||22.62%||8.83%||0.99%|
|M&F Bancorp||N / A||N / A||N / A|
Ohio Valley Banc pays an annual dividend of $0.84 per share and has a dividend yield of 2.7%. M&F Bancorp pays an annual dividend of $0.12 per share and has a dividend yield of 1.8%. Ohio Valley Banc pays out 32.6% of its earnings in the form of a dividend.
Ohio Valley Banc beats M&F Bancorp on 7 of the 9 factors compared between the two stocks.
About Ohio Valley Banc (received rating)
The Ohio Valley Banc Corp. acts as the bank holding company for Ohio Valley Bank Company, which provides commercial and consumer banking products and services. The Company operates through 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 offers a variety of residential real estate loans, including one- to four-family home mortgages; commercial loans to secure equipment, inventory, stock, commercial real estate and rental properties; and consumer loans secured by automobiles, RVs, recreational vehicles, and other personal property, as well as personal loans, unsecured credit card receivables, floor plan and student loans, and home loans. In addition, it offers safe deposit boxes, bank transfers, credit card services and internet banking services; and online financial management services, such as B. Cash management and news updates related to garnishment auctions, current rates and general banking news. The Company also provides ATM services, consumer financing, seasonal tax preparation services, and commercial real estate and miscellaneous liability insurance services, as well as escrow and online consumer direct mortgage services. It operates sixteen offices in Ohio and West Virginia; and six consumer finance offices in Ohio. The Company owns and operates thirty-six ATMs, including twenty outside ATMs. The Ohio Valley Banc Corp. was founded in 1872 and is headquartered in Gallipolis, Ohio.
About M&F Bancorp (received rating)
M&F Bancorp, Inc. acts as the bank holding company for Mechanics and Farmers Bank, which provides consumer and commercial banking products and services in North Carolina. It offers deposit products including demand deposits; Checking, savings and money market accounts and certificates of deposit. The company also offers commercial and residential real estate and construction loans; and consumer credit and ATM services. It operates seven offices in Durham, Raleigh, Charlotte, Greensboro and Winston-Salem, North Carolina. The company was founded in 1907 and is headquartered in Durham, North Carolina.
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