Head-To-Head Contrast: WesBanco (NASDAQ:WSBC) & Pacific Valley Bancorp (OTCMKTS:PVBK)

WesBanco (NASDAQ:WSBC) and Pacific Valley Bancorp (OTCMKTS:PVBK) are both small-cap finance companies, but which is the superior business? We will compare the two businesses based on the strength of their dividends, institutional ownership, profitability, valuation, analyst recommendations, risk and earnings.

Volatility and Risk

WesBanco has a beta of 0.83, meaning that its stock price is 17% less volatile than the S&P 500. Comparatively, Pacific Valley Bancorp has a beta of 0.35, meaning that its stock price is 65% less volatile than the S&P 500.

Earnings & Valuation

This table compares WesBanco and Pacific Valley Bancorp”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
WesBanco	$582.23 million	3.07	$159.03 million	$2.40	12.52
Pacific Valley Bancorp	$27.51 million	1.64	$4.85 million	$0.97	9.43

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

Institutional and Insider Ownership

61.4% of WesBanco shares are owned by institutional investors. Comparatively, 2.8% of Pacific Valley Bancorp shares are owned by institutional investors. 3.4% of WesBanco shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

Analyst Recommendations

This is a summary of recent recommendations and price targets for WesBanco and Pacific Valley Bancorp, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
WesBanco	0	4	3	0	2.43
Pacific Valley Bancorp	0	0	0	0	N/A

WesBanco presently has a consensus price target of $34.71, indicating a potential upside of 15.56%. Given WesBanco’s higher probable upside, equities analysts plainly believe WesBanco is more favorable than Pacific Valley Bancorp.

Profitability

This table compares WesBanco and Pacific Valley Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
WesBanco	15.22%	5.90%	0.79%
Pacific Valley Bancorp	15.89%	N/A	N/A

Summary

WesBanco beats Pacific Valley Bancorp on 12 of the 13 factors compared between the two stocks.

About WesBanco

WesBanco, Inc. operates as the bank holding company for WesBanco Bank, Inc. that provides retail banking, corporate banking, personal and corporate trust, brokerage, mortgage banking, and insurance services to individuals and businesses in the United States. The company operates through two segments, Community Banking, and Trust and Investment Services. It offers commercial demand, individual demand, and time deposit accounts; commercial, mortgage and individual installment loans; retail loans, such as residential real estate mortgage loans, home equity lines of credit, and loans for other consumer purposes; installment loans to finance the purchase of automobiles, trucks, motorcycles, boats, and other recreational vehicles, as well as home equity installment loans, unsecured home improvement loans, and revolving lines of credit; and various non-traditional offerings, such as insurance and securities brokerage services. The company also provides trust services; and various alternative investment products, including mutual funds and annuities. In addition, it acts as an agency that specializes in property, casualty, life, and title insurance, as well as benefit plan sales and administration to personal and commercial clients; provides broker dealer and discount brokerage services; holds investment securities and loans; and holds and leases commercial real estate properties, as well as acts as an investment adviser to a family of mutual funds. WesBanco, Inc. was founded in 1870 and is headquartered in Wheeling, West Virginia.

About Pacific Valley Bancorp

Pacific Valley Bancorp operates as the bank holding company for Pacific Valley Bank that provides various banking products and services in the United States. The company offers personal and business banking, including checking accounts, savings and money market accounts, and certificates of deposit; and online solutions, such as online and mobile banking, bill pay, remote deposit capture, positive pay, e-statements, and order checks. It also provides commercial or agriculture lines of credit, commercial or agriculture terms loans, commercial constructions loans, agriculture production lending, and government guaranteed loan programs; and debit card, incoming wire instructions, ATM locator, fraud prevention, identity theft, and FDIC insurance estimator services. The company was founded in 2004 and is headquartered in Salinas, California.