Cambridge Bancorp (NASDAQ:CATC) and Ohio Valley Banc (NASDAQ:OVBC) are both small-cap finance companies, but which is the better stock? We will compare the two businesses based on the strength of their analyst recommendations, valuation, institutional ownership, risk, profitability, dividends and earnings.
Cambridge Bancorp pays an annual dividend of $2.04 per share and has a dividend yield of 2.6%. Ohio Valley Banc pays an annual dividend of $0.84 per share and has a dividend yield of 2.3%.
Volatility and Risk
Cambridge Bancorp has a beta of 0.12, meaning that its share price is 88% less volatile than the S&P 500. Comparatively, Ohio Valley Banc has a beta of 0.34, meaning that its share price is 66% less volatile than the S&P 500.
Earnings and Valuation
This table compares Cambridge Bancorp and Ohio Valley Banc’s gross revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Cambridge Bancorp||$102.04 million||3.77||$23.88 million||N/A||N/A|
|Ohio Valley Banc||$58.13 million||2.99||$11.94 million||N/A||N/A|
Cambridge Bancorp has higher revenue and earnings than Ohio Valley Banc.
This table compares Cambridge Bancorp and Ohio Valley Banc’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Ohio Valley Banc||17.76%||8.50%||0.99%|
Insider and Institutional Ownership
34.5% of Cambridge Bancorp shares are owned by institutional investors. Comparatively, 19.0% of Ohio Valley Banc shares are owned by institutional investors. 2.3% of Cambridge Bancorp shares are owned by company insiders. Comparatively, 6.7% of Ohio Valley Banc shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.
This is a summary of recent ratings and recommmendations for Cambridge Bancorp and Ohio Valley Banc, as provided by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Ohio Valley Banc||0||0||0||0||N/A|
Cambridge Bancorp currently has a consensus target price of $91.50, suggesting a potential upside of 15.38%. Given Cambridge Bancorp’s higher possible upside, analysts plainly believe Cambridge Bancorp is more favorable than Ohio Valley Banc.
Cambridge Bancorp beats Ohio Valley Banc on 10 of the 13 factors compared between the two stocks.
About Cambridge Bancorp
Cambridge Bancorp operates as the bank holding company for Cambridge Trust Company that provides commercial and consumer banking, and investment management and trust services. The company accepts various deposits, such as checking and savings accounts, certificates of deposit, money market accounts, individual retirement accounts, and time and demand deposits. Its loans products include residential and commercial real estate loans; home equity lines of credit and term loans; commercial and industrial loans; secured and unsecured loans, lines of credit, and personal installment loans; and construction loans. The company also offers cash management, online and mobile banking, and payments services. It serves commercial enterprises, non-profit organizations, and individuals. The company operates 10 Massachusetts locations in Cambridge, Boston, Belmont, Concord, Lexington, and Weston; and wealth management offices in Boston, Massachusetts, as well as in Concord, Manchester, and Portsmouth, New Hampshire. Cambridge Bancorp was founded in 1890 and is headquartered in Cambridge, Massachusetts.
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 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 29, 2019, it operated 19 offices in Ohio and West Virginia; and Loan Central with 6 consumer finance offices in Ohio. The company owns and operates 37 ATMs, including 20 off-site ATMs. Ohio Valley Banc Corp. was founded in 1872 and is headquartered in Gallipolis, Ohio.
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