Comparing MVB Financial (NASDAQ:MVBF) & Origin Bancorp (NASDAQ:OBK)

Origin Bancorp (NASDAQ:OBK) and MVB Financial (NASDAQ:MVBF) are both small-cap finance companies, but which is the superior stock? We will contrast the two companies based on the strength of their valuation, risk, profitability, institutional ownership, analyst recommendations, dividends and earnings.

Profitability

This table compares Origin Bancorp and MVB Financial’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Origin Bancorp	12.12%	7.36%	0.82%
MVB Financial	8.49%	6.29%	0.55%

Dividends

Origin Bancorp pays an annual dividend of $0.60 per share and has a dividend yield of 1.7%. MVB Financial pays an annual dividend of $0.68 per share and has a dividend yield of 3.1%. Origin Bancorp pays out 24.7% of its earnings in the form of a dividend. MVB Financial pays out 47.9% 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 Recommendations

This is a breakdown of recent ratings and target prices for Origin Bancorp and MVB Financial, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Origin Bancorp	0	1	4	0	2.80
MVB Financial	0	1	2	0	2.67

Origin Bancorp currently has a consensus target price of $36.20, indicating a potential upside of 4.68%. MVB Financial has a consensus target price of $25.00, indicating a potential upside of 13.07%. Given MVB Financial’s higher probable upside, analysts plainly believe MVB Financial is more favorable than Origin Bancorp.

Institutional & Insider Ownership

54.7% of Origin Bancorp shares are owned by institutional investors. Comparatively, 52.7% of MVB Financial shares are owned by institutional investors. 6.2% of Origin Bancorp shares are owned by insiders. Comparatively, 11.1% of MVB Financial shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.

Volatility and Risk

Origin Bancorp has a beta of 0.98, suggesting that its stock price is 2% less volatile than the S&P 500. Comparatively, MVB Financial has a beta of 1.05, suggesting that its stock price is 5% more volatile than the S&P 500.

Valuation and Earnings

This table compares Origin Bancorp and MVB Financial”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Origin Bancorp	$581.73 million	1.85	$83.80 million	$2.43	14.23
MVB Financial	$143.80 million	1.99	$31.23 million	$1.42	15.57

Origin Bancorp has higher revenue and earnings than MVB Financial. Origin Bancorp is trading at a lower price-to-earnings ratio than MVB Financial, indicating that it is currently the more affordable of the two stocks.

Summary

Origin Bancorp beats MVB Financial on 10 of the 16 factors compared between the two stocks.

About Origin Bancorp

Origin Bancorp, Inc. operates as a bank holding company for Origin Bank that provides banking and financial services to small and medium-sized businesses, municipalities, and retail clients in Texas, Louisiana, and Mississippi. It offers noninterest and interest-bearing checking accounts, savings deposits, money market accounts, and time deposits; and offers commercial real estate, construction and land development, consumer, residential real estate, commercial and industrial, mortgage warehouse, and residential mortgage loans. The company also offers personal and commercial property, and casualty insurance products; and Internet banking and voice response information, mobile applications, cash management, overdraft protection, direct deposit, safe deposit boxes, U.S. savings bonds, and automatic account transfer services; and mobile and online banking, treasury management, mortgage origination and servicing facilities, peer-to-peer electronic pay solutions, and personal financial management solutions. The company was founded in 1912 and is headquartered in Ruston, Louisiana.

About MVB Financial

MVB Financial Corp. operates as bank holding company for MVB Bank, Inc that provides financial services to individuals and corporate clients. The company operates through three segments: CoRe Banking, Mortgage Banking, and The Financial Holding Company. It offers various demand deposit accounts, savings accounts, money market accounts, and certificates of deposit; and commercial, consumer, and real estate mortgage loans, as well as lines of credit. The company also provides debit cards; cashier's checks; safe deposit rental facilities; and non-deposit investment services, as well as financial technology (Fintech) banking services. In addition, it offers fintech solutions for the gaming, payments, banking-as-a-service, and digital asset sectors; fraud prevention services for merchants, credit agencies, Fintech companies, and other vendors; and digital products and web and mobile applications for forward-thinking community banks, credit unions, digital banks, and Fintech companies. It operates full-service branches in West Virginia and Virginia. MVB Financial Corp. was founded in 1997 and is based in Fairmont, West Virginia.