Head to Head Contrast: Ohio Valley Banc (NASDAQ:OVBC) and Itau Unibanco (NASDAQ:ITUB)

Ohio Valley Banc (NASDAQ:OVBC) and Itau Unibanco (NYSE:ITUB) are both finance companies, but which is the superior investment? We will compare the two businesses based on the strength of their institutional ownership, analyst recommendations, profitability, valuation, risk, earnings and dividends.

Volatility & Risk

Ohio Valley Banc has a beta of 0.33, suggesting that its share price is 67% less volatile than the S&P 500. Comparatively, Itau Unibanco has a beta of 0.78, suggesting that its share price is 22% less volatile than the S&P 500.

Earnings & Valuation

This table compares Ohio Valley Banc and Itau Unibanco’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 $58.13 million 3.08 $11.94 million N/A N/A
Itau Unibanco $46.96 billion 1.73 $6.81 billion $0.67 12.46

Itau Unibanco has higher revenue and earnings than Ohio Valley Banc.

Profitability

This table compares Ohio Valley Banc and Itau Unibanco’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Ohio Valley Banc 17.76% 8.43% 0.99%
Itau Unibanco 14.61% 18.63% 1.71%

Analyst Ratings

This is a breakdown of recent ratings and price targets for Ohio Valley Banc and Itau Unibanco, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Ohio Valley Banc 0 0 0 0 N/A
Itau Unibanco 1 5 2 0 2.13

Itau Unibanco has a consensus target price of $13.50, indicating a potential upside of 61.68%. Given Itau Unibanco’s higher possible upside, analysts clearly believe Itau Unibanco is more favorable than Ohio Valley Banc.

Dividends

Ohio Valley Banc pays an annual dividend of $0.84 per share and has a dividend yield of 2.2%. Itau Unibanco pays an annual dividend of $0.04 per share and has a dividend yield of 0.5%. Itau Unibanco pays out 6.0% of its earnings in the form of a dividend.

Institutional and Insider Ownership

19.1% of Ohio Valley Banc shares are held by institutional investors. Comparatively, 5.3% of Itau Unibanco shares are held by institutional investors. 6.7% of Ohio Valley Banc shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

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.

About Itau Unibanco

Itaú Unibanco Holding S.A. provides a range of financial products and services to individuals and corporate clients in Brazil and internationally. The company operates in three segments: Retail Banking, Wholesale Banking, and Activities with the Market + Corporation. It accepts demand, savings, and time deposits; and offers payroll, mortgage, personal, vehicle, and corporate loans, as well as very small, small, and middle market loans. The company also provides credits cards; investment and private banking services; property, casualty, and life insurance products; reinsurance products; and private pension plans and premium bonds. In addition, it offers consumer finance credit; and capitalization, leasing, and brokerage services. As of December 31, 2017, the company operated through a network of 4,981 branches and client service branches, as well as 46,965 automated teller machines. The company was formerly known as Itaú Unibanco Banco Múltiplo S.A. and changed its name to Itaú Unibanco Holding S.A. in April 2009. Itaú Unibanco Holding S.A. was founded in 1945 and is headquartered in São Paulo, Brazil. Itaú Unibanco Holding S.A. operates as a subsidiary of IUPAR – Itaú Unibanco Participações S.A.

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