Head-To-Head Contrast: Origin Bancorp (NASDAQ:OBK) & MVB Financial (NASDAQ:MVBF)

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

Dividends

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

Valuation & Earnings

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

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

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.

Insider and Institutional Ownership

52.7% of MVB Financial shares are held by institutional investors. Comparatively, 54.7% of Origin Bancorp shares are held by institutional investors. 11.1% of MVB Financial shares are held by insiders. Comparatively, 6.2% of Origin Bancorp shares are held by 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.

Profitability

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

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

Analyst Recommendations

This is a summary of current recommendations for MVB Financial and Origin Bancorp, as provided by MarketBeat.com.

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

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

Volatility & Risk

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

Summary

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

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.

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.