Santa Cruz County Bank (OTCMKTS: SCZC – Get Rating) and Ohio Valley Banc (NASDAQ: OVBC – Get Rating) are both small-cap finance companies, but which is the better investment? We will compare the two companies based on the strength of their dividends, institutional ownership, valuation, risk, analyst recommendations, earnings and profitability.
Insider & Institutional Ownership:
5.5% of Santa Cruz County Bank shares are held by institutional investors. Comparatively, 13.6% of Ohio Valley Banc shares are held by institutional investors. 3.6% of Ohio Valley Banc shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.
Profitability:
This table compares Santa Cruz County Bank and Ohio Valley Banc’s net margins, return on equity and return on assets.
| Net Margins: | Return on Equity: | Return on Assets: | |
| Santa Cruz County Bank: | 30.64% | N / A: | N / A: |
| Ohio Valley Banc: | 22.62% | 8.83% | 0.99% |
Valuation & Earnings:
This table compares Santa Cruz County Bank and Ohio Valley Banc’s gross revenue, earnings per share (EPS) and valuation.
| Gross Revenue: | Price / Sales Ratio: | Net Income: | Earnings Per Share: | Price / Earnings Ratio: | |
| Santa Cruz County Bank: | $ 68.13 million: | 2.69: | $ 21.30 million: | $ 2.44: | 8.80: |
| Ohio Valley Banc: | $ 54.58 million: | 2.55: | $ 11.73 million: | $ 2.58: | 11.32: |
Santa Cruz County Bank has higher revenue and earnings than Ohio Valley Banc. Santa Cruz County Bank is trading at a lower price-to-earnings ratio than Ohio Valley Banc, indicating that it is currently the most affordable of the two stocks.
Volatility & Risk:
Santa Cruz County Bank has a beta of 0.92, indicating that its share price is 8% less volatile than the S&P 500. Comparatively, Ohio Valley Banc has a beta of 0.23, indicating that its share price is 77% less volatile than the S&P 500 .
Dividends:
Santa Cruz County Bank pays an annual dividend of $ 0.36 per share and has a dividend yield of 1.7%. Ohio Valley Banc pays an annual dividend of $ 0.84 per share and has a dividend yield of 2.9%. Santa Cruz County Bank pays out 14.7% of its earnings in the form of a dividend. Ohio Valley Banc pays out 32.6% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.
Analyst Ratings:
This is a summary of recent ratings for Santa Cruz County Bank and Ohio Valley Banc, as reported by MarketBeat.com.
| Sell Ratings: | Hold Ratings: | Buy Ratings: | Strong Buy Ratings: | Rating Score: | |
| Santa Cruz County Bank: | 0: | 0: | 0: | 0: | N / A: |
| Ohio Valley Banc: | 0: | 0: | 0: | 0: | N / A: |
Summary:
Ohio Valley Banc beats Santa Cruz County Bank on 7 of the 13 factors compared between the two stocks.
Santa Cruz County Bank Company Profile: (Get Rating)
Santa Cruz County Bank provides a range of commercial and personal banking services to residents and businesses. The company deposit products include checking, savings, term certificate, money market, and health savings accounts; and IRAs and certificate of deposits. It also offers lending products comprising commercial, multi-family, agricultural, construction, wine industry, venture banking, small business administration, business and industry, farm services agency, municipal, government guarantee, and installment loans, as well as loans supported by single -family residential real estate, commercial real estate financing, and lines of credit. In addition, the company provides debit and credit cards, merchant, online and mobile banking, remote electronic deposit, bill payment, treasury management, and cash management services. It operates through seven full-service offices located in Aptos, Capitola, Cupertino, Monterey, Santa Cruz, Scotts Valley, and Watsonville; and two ATMs and night depository kiosks. Santa Cruz County Bank was incorporated in 2003 and is based in Santa Cruz, California.
Ohio Valley Banc Company Profile: (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.
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