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RMBI vs OVBC // PIOTROSKI F-SCORE QUALITY

Richmond Mutual Bancorporation Inc. (NASDAQ) VS. Ohio Valley Banc Corp. (NASDAQ) • 15-METRIC TALLY: RMBI 1 — OVBC 5
■ METRIC PARITY
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (RMBI VS. OVBC) EMERALD CELL = QUANTITATIVE EDGE
INSTITUTIONAL METRIC RMBI OVBC SPREAD (A - B) ADVANTAGE DEDICATED URL
Gross Profit Margin — — — TIE /gross-margins <GO>
Return on Invested Capital (ROIC) 7.90% 9.20% -1.30 OVBC /roic <GO>
EV/EBITDA & P/E Valuation — — — TIE /valuation <GO>
Free Cash Flow Yield 5.50% 6.33% -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 2.20% 1.59% +0.61 RMBI /dividend-safety <GO>
Altman Z-Score & Debt/Equity — — — TIE /balance-sheet <GO>
Piotroski F-Score Quality ACTIVE 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 59.1 64.5 -5.32 OVBC /rsi-technicals <GO>
10Y Yield & FRED Macro Beta — — — TIE /macro-sensitivity <GO>
Forward P/E Multiple 21.4x 16.1x +5.30 OVBC /forward-pe <GO>
Enterprise Scale & Market Cap $265.8M $269.4M -$3.6M OVBC /market-cap <GO>
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
FISCAL YEAR RMBI REV OVBC REV RMBI GROSS % OVBC GROSS % RMBI FCF OVBC FCF
FY 2025 $0 $0 — — $14.6M $17.0M
FY 2024 $0 $0 — — $14.3M $11.7M
FY 2023 $0 $0 — — $12.1M $20.7M
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
RMBI // BETA —
OVBC // BETA —