OHIO VALLEY BANC CORP (OVBC) Fundamental Analysis & Valuation

NASDAQ:OVBC • US6777191064

Current stock price

45.59 USD
+0.03 (+0.07%)
Last:

This OVBC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. OVBC Profitability Analysis

1.1 Basic Checks

  • In the past year OVBC was profitable.
  • In the past year OVBC had a positive cash flow from operations.
  • In the past 5 years OVBC has always been profitable.
  • OVBC had a positive operating cash flow in each 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 0.99% is in line compared to the rest of the industry. OVBC outperforms 53.42% of its industry peers.
  • OVBC has a Return On Equity (9.16%) which is in line with its industry peers.
Industry RankSector Rank
ROA 0.99%
ROE 9.16%
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

  • OVBC's Profit Margin of 23.38% is on the low side compared to the rest of the industry. OVBC is outperformed by 60.00% of its industry peers.
  • OVBC's Profit Margin has improved in the last couple of years.
  • 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) 23.38%
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

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4

2. OVBC Health Analysis

2.1 Basic Checks

  • OVBC does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • OVBC has about the same amout of shares outstanding than it did 1 year ago.
  • OVBC has less shares outstanding than it did 5 years ago.
  • The debt/assets ratio for OVBC has been reduced 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 0.65. This is a very positive value and a sign of high solvency as it would only need 0.65 years to pay back of all of its debts.
  • OVBC has a better Debt to FCF ratio (0.65) than 76.32% of its industry peers.
  • A Debt/Equity ratio of 0.05 indicates that OVBC is not too dependend on debt financing.
  • The Debt to Equity ratio of OVBC (0.05) is better than 80.26% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF 0.65
Altman-Z N/A
ROIC/WACCN/A
WACC15.23%
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

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

3

3. OVBC Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 42.68% over the past year.
  • The Earnings Per Share has been growing by 9.13% on average over the past years. This is quite good.
  • The Revenue has been growing slightly by 7.65% in the past year.
  • Measured over the past years, OVBC shows a small growth in Revenue. The Revenue has been growing by 6.19% on average per year.
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

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1

4. OVBC Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 13.77, the valuation of OVBC can be described as correct.
  • Compared to the rest of the industry, the Price/Earnings ratio of OVBC indicates a slightly more expensive valuation: OVBC is more expensive than 60.79% of the companies listed in the same industry.
  • The average S&P500 Price/Earnings ratio is at 26.78. OVBC is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 13.77
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

  • The rest of the industry has a similar Price/Free Cash Flow ratio as OVBC.
Industry RankSector Rank
P/FCF 12.6
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)1.51
EPS Next 2YN/A
EPS Next 3YN/A

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

5

5. OVBC Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.02%, OVBC has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.59, OVBC is paying slightly less dividend.
  • OVBC's Dividend Yield is comparable with the S&P500 average which is at 1.83.
Industry RankSector Rank
Dividend Yield 2.02%

5.2 History

  • The dividend of OVBC has a limited annual growth rate of 1.67%.
  • OVBC has paid a dividend for at least 10 years, which is a reliable track record.
  • OVBC has decreased its dividend recently.
Dividend Growth(5Y)1.67%
Div Incr Years1
Div Non Decr Years1
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

  • 27.48% of the earnings are spent on dividend by OVBC. This is a low number and sustainable payout ratio.
  • The dividend of OVBC is growing, but earnings are growing more, so the dividend growth is sustainable.
DP27.48%
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

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OVBC Fundamentals: All Metrics, Ratios and Statistics

OHIO VALLEY BANC CORP

NASDAQ:OVBC (4/10/2026, 8:00:02 PM)

45.59

+0.03 (+0.07%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27
Earnings (Next)04-23
Inst Owners29.58%
Inst Owner Change0%
Ins Owners5.28%
Ins Owner Change-0.65%
Market Cap214.73M
Revenue(TTM)66.72M
Net Income(TTM)15.60M
Analysts0
Price TargetN/A
Short Float %1.05%
Short Ratio3.36
Dividend
Industry RankSector Rank
Dividend Yield 2.02%
Yearly Dividend0.91
Dividend Growth(5Y)1.67%
DP27.48%
Div Incr Years1
Div Non Decr Years1
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 13.77
Fwd PE N/A
P/S 3.22
P/FCF 12.6
P/OCF 11.87
P/B 1.26
P/tB 1.32
EV/EBITDA N/A
EPS(TTM)3.31
EY7.26%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)3.62
FCFY7.94%
OCF(TTM)3.84
OCFY8.42%
SpS14.16
BVpS36.15
TBVpS34.59
PEG (NY)N/A
PEG (5Y)1.51
Graham Number51.89
Profitability
Industry RankSector Rank
ROA 0.99%
ROE 9.16%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 23.38%
GM N/A
FCFM 25.55%
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-Score8
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF 0.65
Debt/EBITDA N/A
Cap/Depr 62.58%
Cap/Sales 1.55%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 109.28%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC15.23%
ROIC/WACCN/A
Cap/Depr(3y)105.85%
Cap/Depr(5y)104.48%
Cap/Sales(3y)2.82%
Cap/Sales(5y)2.84%
Profit Quality(3y)119.43%
Profit Quality(5y)113.19%
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 1Y46.16%
FCF growth 3Y6.79%
FCF growth 5Y13.53%
OCF growth 1Y38.09%
OCF growth 3Y4.19%
OCF growth 5Y7.68%

OHIO VALLEY BANC CORP / OVBC Fundamental Analysis 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 for OVBC stock?

ChartMill assigns a valuation rating of 2 / 10 to OHIO VALLEY BANC CORP (OVBC). This can be considered as Overvalued.


Can you provide the profitability details for OHIO VALLEY BANC CORP?

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


What are the PE and PB ratios of OHIO VALLEY BANC CORP (OVBC) stock?

The Price/Earnings (PE) ratio for OHIO VALLEY BANC CORP (OVBC) is 13.77 and the Price/Book (PB) ratio is 1.26.