Head-To-Head Comparison: M&F Bancorp (OTCMKTS:MFBP) vs. Ohio Valley Banc (NASDAQ:OVBC)

Ohio Valley Banc (NASDAQ:OVBCGet Rating) and M&F Bancorp (OTCMKTS:MFBPGet Rating) are both small-cap finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their earnings, risk, profitability, valuation, dividends, institutional ownership and analyst recommendations.

Volatility & Risk

Ohio Valley Banc has a beta of 0.23, indicating that its stock price is 77% less volatile than the S&P 500. Comparatively, M&F Bancorp has a beta of 0.69, indicating that its stock price is 31% less volatile than the S&P 500.

Insider and Institutional Ownership

13.6% of Ohio Valley Banc shares are owned by institutional investors. 3.6% of Ohio Valley Banc shares are owned by company insiders. Comparatively, 2.9% of M&F Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

Analyst Recommendations

This is a breakdown of current ratings and recommmendations for Ohio Valley Banc and M&F 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
M&F Bancorp 0 0 0 0 N/A

Dividends

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.

Profitability

This table compares Ohio Valley Banc and M&F Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Ohio Valley Banc 22.62% 8.83% 0.99%
M&F Bancorp N/A N/A N/A

Earnings and Valuation

This table compares Ohio Valley Banc and M&F Bancorp’s gross revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Ohio Valley Banc $54.58 million 2.71 $11.73 million $2.58 12.02
M&F Bancorp N/A N/A N/A N/A N/A

Ohio Valley Banc has higher revenue and earnings than M&F Bancorp.

Summary

Ohio Valley Banc beats M&F Bancorp on 7 of the 9 factors compared between the two stocks.

About Ohio Valley Banc (Get Rating)

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 preparation services, and commercial property and various liability insurance services, as well as trust and online-only 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 off-site ATMs. Ohio Valley Banc Corp. was founded in 1872 and is headquartered in Gallipolis, Ohio.

About M&F Bancorp (Get Rating)

M&F Bancorp, Inc. operates as a bank holding company for the Mechanics and Farmers Bank that provides consumer and commercial banking products and services in North Carolina. It offers deposit products, including demand deposits; checking, savings, and money market accounts, as well as certificates of deposit. The company also provides loans for commercial and residential real estate, and construction; and consumer loans, as well as ATM services. It operates seven branch offices in Durham, Raleigh, Charlotte, Greensboro, and Winston-Salem, North Carolina. The company was founded in 1907 and is headquartered in Durham, North Carolina.

Want More Great Investing Ideas?

Receive News & Ratings for Ohio Valley Banc Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for Ohio Valley Banc and related companies with MarketBeat.com's FREE daily email newsletter.