COMP <GO>
OVBC vs RMBI // ALTMAN Z-SCORE & DEBT/EQUITY
Ohio Valley Banc Corp. (NASDAQ) VS. Richmond Mutual Bancorporation Inc. (NASDAQ) • 15-METRIC TALLY: OVBC 5
— RMBI 1
■ METRIC PARITY
LAST: $49.06 (+2.23%) • MKT CAP: $269.4M
balance-sheet
—
LAST: $15.86 (+0.44%) • MKT CAP: $265.8M
balance-sheet
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (OVBC VS. RMBI)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | OVBC | RMBI | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 9.20% | 7.90% | +1.30 | OVBC | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 6.33% | 5.50% | +0.83 | OVBC | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | — | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | — | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 1.59% | 2.20% | -0.61 | RMBI | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity ACTIVE | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 5/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 64.5 | 59.1 | +5.32 | OVBC | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 16.1x | 21.4x | -5.30 | OVBC | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $269.4M | $265.8M | $3.6M | OVBC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | OVBC REV | RMBI REV | OVBC GROSS % | RMBI GROSS % | OVBC FCF | RMBI FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $0 | — | — | $17.0M | $14.6M |
| FY 2024 | $0 | $0 | — | — | $11.7M | $14.3M |
| FY 2023 | $0 | $0 | — | — | $20.7M | $12.1M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
OVBC // BETA —
RMBI // BETA —