OVBC vs XYF

Comparison between Ohio Valley Banc Corp (OVBC, Company) and X Financial (XYF, Company).

Both OVBC and XYF are from the Financial Services sector.

5-Year PerformanceOVBC has outperformed XYF, delivering a return of +15.0% compared to -3.9%

OVBC vs XYF - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	OVBC(COMPANY)	XYF(COMPANY)
Market Cap	$196M	$196M
Max Drawdown	64.90%	95.82%
Sharpe Ratio	0.97	-1.37
5Y Beta	0.34	0.75
Industry	Banks - Regional	Credit Services
P/E Ratio	12.31	0.94
Forward P/E	9.69	N/A
PEG Ratio	0.25	0.15
Dividend Yield	2.26%	11.20%
5Y Dividends CAGR	7.21%	N/A
5Y EPS CAGR	12.28%	16.91%
Debt to Equity	0.00%	5.23%
Free Cash Flow Yield	12.08%	N/A
P/S Ratio	3.14	0.03
P/B Ratio	1.16	0.17

Market Cap

Winner

OVBC

$196M

XYF

$196M

Max Drawdown

Winner

OVBC

64.90%

XYF

95.82%

Sharpe Ratio

Winner

OVBC

0.97

XYF

-1.37

5Y Beta

Winner

OVBC

0.34

XYF

0.75

Industry

OVBC

Banks - Regional

XYF

Credit Services

P/E Ratio

OVBC

12.31

Winner

XYF

0.94

Forward P/E

OVBC

9.69

XYF

N/A

PEG Ratio

OVBC

0.25

Winner

XYF

0.15

Dividend Yield

OVBC

2.26%

Winner

XYF

11.20%

5Y Dividends CAGR

OVBC

7.21%

XYF

N/A

5Y EPS CAGR

OVBC

12.28%

Winner

XYF

16.91%

Debt to Equity

Winner

OVBC

0.00%

XYF

5.23%

Free Cash Flow Yield

OVBC

12.08%

XYF

N/A

P/S Ratio

OVBC

3.14

Winner

XYF

0.03

P/B Ratio

OVBC

1.16

Winner

XYF

0.17

OVBC vs XYF - Historical Returns

Returns include dividend reinvestment.

Period	OVBC	XYF
1 month	-3.23%	+0.82%
3 months	-5.71%	+2.70%
6 months	+3.38%	+1.62%
1 year	+33.58%	-62.87%
5 years(CAGR)	+15.00%	-3.86%
10 years(CAGR)	+10.08%	N/A
Max(CAGR)	+4.21%	-20.00%

OVBC

-3.23%

Winner

XYF

+0.82%

OVBC

-5.71%

Winner

XYF

+2.70%

Winner

OVBC

+3.38%

XYF

+1.62%

Winner

OVBC

+33.58%

XYF

-62.87%

5Y(CAGR)

Winner

OVBC

+15.00%

XYF

-3.86%

10Y(CAGR)

OVBC

+10.08%

XYF

N/A

Max(CAGR)

Winner

OVBC

+4.21%

XYF

-20.00%

OVBC vs XYF - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	OVBC	XYF
2026	+8.23%	-9.46%
2025	+71.32%	-31.04%
2024	+14.08%	+139.08%
2023	-10.91%	+27.81%
2022	-7.08%	-3.51%
2021	+30.60%	+55.15%
2020	-38.57%	-62.12%
2019	+7.89%	-60.19%
2018	-11.22%	-64.33%
2017	+50.38%	N/A
2016	+14.96%	N/A
2015	+4.75%	N/A
2014	+10.73%	N/A
2013	+21.25%	N/A
2012	+7.29%	N/A
2011	+0.78%	N/A
2010	-8.47%	N/A
2009	+26.72%	N/A
2008	-25.62%	N/A
2007	+4.28%	N/A
2006	+3.30%	N/A
2005	-20.36%	N/A
2004	+27.99%	N/A
2003	+32.91%	N/A
2002	-9.73%	N/A
2001	-0.13%	N/A
2000	-22.07%	N/A
1999	-2.24%	N/A

OVBC vs XYF Drawdown Comparison

The maximum drawdown for OVBC was -62.72%, occurring on Jul 13, 2020. Recovery took 1924 trading sessions.

The maximum drawdown for XYF was -95.75%, occurring on Sep 24, 2020. This drawdown has not yet recovered.

The current OVBC drawdown is -15.60%. The current XYF drawdown is -82.70%.

Rank	OVBC	XYF
#1	-62.72% Jun 22, 2018 - Feb 19, 2026	-95.75% Sep 19, 2018 - Sep 24, 2020
#2	-47.09% Jun 26, 2009 - Nov 5, 2015	N/A
#3	-44.80% Apr 13, 2004 - Jun 26, 2009	N/A
#4	-39.76% Dec 1, 1999 - Apr 5, 2004	N/A
#5	-20.53% Jul 5, 2017 - Sep 27, 2017	N/A
#6	-17.04% Jun 12, 2026 - Jul 8, 2026	N/A
#7	-15.74% Nov 6, 2015 - Dec 6, 2016	N/A
#8	-12.57% May 25, 2017 - Jul 5, 2017	N/A
#9	-11.74% Dec 21, 2017 - Jan 30, 2018	N/A
#10	-9.48% Jan 30, 2018 - Apr 13, 2018	N/A
#11	-8.21% Oct 11, 2017 - Nov 28, 2017	N/A
#12	-7.97% Feb 20, 2026 - Apr 1, 2026	N/A
#13	-7.36% Dec 9, 2016 - Feb 13, 2017	N/A
#14	-7.29% May 11, 2017 - May 19, 2017	N/A
#15	-6.57% Nov 4, 1999 - Nov 30, 1999	N/A

Correlation

Correlation between OVBC and XYF is 0.37 which considered as a weak positive correlation - the stocks show a slight tendency to move together.

0.37

-101

Dividend Comparison (2000 - 2026)

OVBC vs XYF dividend yield comparison.

Year	OVBC	XYF
2026	1.74%	5.67%
2025	2.28%	9.46%
2024	3.63%	4.08%
2023	4.43%	4.64%
2022	3.75%	0.00%
2021	2.83%	0.00%
2020	3.56%	0.00%
2019	2.12%	5.92%
2018	2.37%	0.00%
2017	2.08%	0.00%
2016	3.09%	0.00%
2015	3.63%	0.00%
2014	3.42%	0.00%
2013	3.32%	0.00%
2012	5.80%	0.00%
2011	4.54%	0.00%
2010	4.29%	0.00%
2009	3.63%	0.00%
2008	4.22%	0.00%
2007	2.78%	0.00%
2006	2.66%	0.00%
2005	2.65%	0.00%
2004	2.83%	0.00%
2003	2.65%	0.00%
2002	3.24%	0.00%
2001	3.26%	0.00%
2000	2.36%	0.00%