OHIO VALLEY BANC CORP (OVBC) Stock Fundamental Analysis

NASDAQ:OVBC • US6777191064

42.63 USD
-1.37 (-3.11%)
Last: Feb 27, 2026, 08:25 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

OVBC gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 379 industry peers in the Banks industry. Both the profitability and financial health of OVBC have multiple concerns. OVBC does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • OVBC had positive earnings in the past year.
  • OVBC had a positive operating cash flow in the past year.
  • Each year in the past 5 years OVBC has been profitable.
  • OVBC had a positive operating cash flow in 4 of the past 5 years.
OVBC Yearly Net Income VS EBIT VS OCF VS FCFOVBC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M

1.2 Ratios

  • OVBC's Return On Assets of 0.90% is in line compared to the rest of the industry. OVBC outperforms 48.81% of its industry peers.
  • With a Return On Equity value of 8.61%, OVBC perfoms like the industry average, outperforming 45.91% of the companies in the same industry.
Industry RankSector Rank
ROA 0.9%
ROE 8.61%
ROIC N/A
ROA(3y)0.88%
ROA(5y)0.94%
ROE(3y)8.42%
ROE(5y)8.69%
ROIC(3y)N/A
ROIC(5y)N/A
OVBC Yearly ROA, ROE, ROICOVBC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • The Profit Margin of OVBC (20.98%) is worse than 65.70% of its industry peers.
  • In the last couple of years the Profit Margin of OVBC has grown nicely.
  • OVBC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 20.98%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-1.25%
PM growth 5Y2.41%
GM growth 3YN/A
GM growth 5YN/A
OVBC Yearly Profit, Operating, Gross MarginsOVBC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • OVBC does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for OVBC remains at a similar level compared to 1 year ago.
  • OVBC has less shares outstanding than it did 5 years ago.
  • The debt/assets ratio for OVBC is higher compared to a year ago.
OVBC Yearly Shares OutstandingOVBC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1M 2M 3M 4M
OVBC Yearly Total Debt VS Total AssetsOVBC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B

2.2 Solvency

  • OVBC has a debt to FCF ratio of 0.95. This is a very positive value and a sign of high solvency as it would only need 0.95 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 0.95, OVBC is in the better half of the industry, outperforming 67.81% of the companies in the same industry.
  • A Debt/Equity ratio of 0.06 indicates that OVBC is not too dependend on debt financing.
  • OVBC has a better Debt to Equity ratio (0.06) than 77.57% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.06
Debt/FCF 0.95
Altman-Z N/A
ROIC/WACCN/A
WACC16.19%
OVBC Yearly LT Debt VS Equity VS FCFOVBC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
OVBC Yearly Current Assets VS Current LiabilitesOVBC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. Growth

3.1 Past

  • OVBC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 42.68%, which is quite impressive.
  • The Earnings Per Share has been growing by 9.13% on average over the past years. This is quite good.
  • OVBC shows a small growth in Revenue. In the last year, the Revenue has grown by 7.65%.
  • OVBC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.19% yearly.
EPS 1Y (TTM)42.68%
EPS 3Y5.75%
EPS 5Y9.13%
EPS Q2Q%57.24%
Revenue 1Y (TTM)7.65%
Revenue growth 3Y6.69%
Revenue growth 5Y6.19%
Sales Q2Q%-4.64%

3.2 Future

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
OVBC Yearly Revenue VS EstimatesOVBC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M

More info and screens

Find the best growth stocksShow best growing peers

1

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 12.88, OVBC is valued correctly.
  • The rest of the industry has a similar Price/Earnings ratio as OVBC.
  • OVBC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.07.
Industry RankSector Rank
PE 12.88
Fwd PE N/A
OVBC Price Earnings VS Forward Price EarningsOVBC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, OVBC is valued a bit more expensive than 69.66% of the companies in the same industry.
Industry RankSector Rank
P/FCF 17.26
EV/EBITDA N/A
OVBC Per share dataOVBC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)1.41
EPS Next 2YN/A
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. Dividend

5.1 Amount

  • OVBC has a Yearly Dividend Yield of 2.09%. Purely for dividend investing, there may be better candidates out there.
  • OVBC's Dividend Yield is slightly below the industry average, which is at 2.73.
  • OVBC's Dividend Yield is comparable with the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 2.09%

5.2 History

  • The dividend of OVBC has a limited annual growth rate of 0.90%.
  • OVBC has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)0.9%
Div Incr Years0
Div Non Decr Years0
OVBC Yearly Dividends per shareOVBC Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • 29.94% of the earnings are spent on dividend by OVBC. This is a low number and sustainable payout ratio.
  • OVBC's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP29.94%
EPS Next 2YN/A
EPS Next 3YN/A
OVBC Yearly Income VS Free CF VS DividendOVBC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M
OVBC Dividend Payout.OVBC Dividend Payout, showing the Payout Ratio.OVBC Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

OHIO VALLEY BANC CORP

NASDAQ:OVBC (2/27/2026, 8:25:44 PM)

42.63

-1.37 (-3.11%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27
Earnings (Next)04-23
Inst Owners26.22%
Inst Owner Change9.65%
Ins Owners5.34%
Ins Owner Change-0.64%
Market Cap200.79M
Revenue(TTM)66.72M
Net Income(TTM)14.16M
Analysts0
Price TargetN/A
Short Float %1.29%
Short Ratio3.98
Dividend
Industry RankSector Rank
Dividend Yield 2.09%
Yearly Dividend0.88
Dividend Growth(5Y)0.9%
DP29.94%
Div Incr Years0
Div Non Decr Years0
Ex-Date01-23
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 12.88
Fwd PE N/A
P/S 2.97
P/FCF 17.26
P/OCF 15.84
P/B 1.22
P/tB 1.28
EV/EBITDA N/A
EPS(TTM)3.31
EY7.76%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)2.47
FCFY5.8%
OCF(TTM)2.69
OCFY6.31%
SpS14.33
BVpS34.91
TBVpS33.35
PEG (NY)N/A
PEG (5Y)1.41
Graham Number50.99
Profitability
Industry RankSector Rank
ROA 0.9%
ROE 8.61%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 20.98%
GM N/A
FCFM 17.24%
ROA(3y)0.88%
ROA(5y)0.94%
ROE(3y)8.42%
ROE(5y)8.69%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-1.25%
PM growth 5Y2.41%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.06
Debt/FCF 0.95
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 1.54%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 82.17%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC16.19%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)42.68%
EPS 3Y5.75%
EPS 5Y9.13%
EPS Q2Q%57.24%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)7.65%
Revenue growth 3Y6.69%
Revenue growth 5Y6.19%
Sales Q2Q%-4.64%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-24.42%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-26.74%
OCF growth 3YN/A
OCF growth 5YN/A

OHIO VALLEY BANC CORP / OVBC FAQ

Can you provide the ChartMill fundamental rating for OHIO VALLEY BANC CORP?

ChartMill assigns a fundamental rating of 3 / 10 to OVBC.


What is the valuation status of OHIO VALLEY BANC CORP (OVBC) stock?

ChartMill assigns a valuation rating of 1 / 10 to OHIO VALLEY BANC CORP (OVBC). This can be considered as Overvalued.


How profitable is OHIO VALLEY BANC CORP (OVBC) stock?

OHIO VALLEY BANC CORP (OVBC) has a profitability rating of 3 / 10.


How financially healthy is OHIO VALLEY BANC CORP?

The financial health rating of OHIO VALLEY BANC CORP (OVBC) is 3 / 10.