OHIO VALLEY BANC CORP (OVBC) Stock Fundamental Analysis

USA • Nasdaq • NASDAQ:OVBC • US6777191064

42.56 USD
+0.75 (+1.79%)
At close: Feb 4, 2026
42.56 USD
0 (0%)
After Hours: 2/4/2026, 8:00:03 PM
Fundamental Rating

3

Overall OVBC gets a fundamental rating of 3 out of 10. We evaluated OVBC against 383 industry peers in the Banks industry. OVBC scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. OVBC is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • OVBC had positive earnings in the past year.
  • In the past year OVBC had a positive cash flow from operations.
  • In the past 5 years OVBC has always been profitable.
  • In the past 5 years OVBC always reported a positive cash flow from operatings.
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 5M 10M 15M 20M

1.2 Ratios

  • OVBC has a Return On Assets (0.90%) which is comparable to the rest of the industry.
  • OVBC's Return On Equity of 8.61% is in line compared to the rest of the industry. OVBC outperforms 46.74% of its industry peers.
Industry RankSector Rank
ROA 0.9%
ROE 8.61%
ROIC N/A
ROA(3y)0.92%
ROA(5y)0.91%
ROE(3y)8.66%
ROE(5y)8.36%
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 2 4 6 8 10

1.3 Margins

  • The Profit Margin of OVBC (20.98%) is worse than 64.23% of its industry peers.
  • In the last couple of years the Profit Margin of OVBC has remained more or less at the same level.
  • The Operating Margin and Gross Margin are not available for OVBC so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 20.98%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-8.36%
PM growth 5Y-1.33%
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 5 10 15 20

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4

2. Health

2.1 Basic Checks

  • OVBC does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • OVBC has less shares outstanding than it did 1 year ago.
  • The number of shares outstanding for OVBC has been reduced compared to 5 years ago.
  • Compared to 1 year ago, OVBC has an improved debt to assets ratio.
OVBC Yearly Shares OutstandingOVBC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 500M 1B 1.5B

2.2 Solvency

  • The Debt to FCF ratio of OVBC is 0.95, which is an excellent value as it means it would take OVBC, only 0.95 years of fcf income to pay off all of its debts.
  • OVBC's Debt to FCF ratio of 0.95 is fine compared to the rest of the industry. OVBC outperforms 67.89% of its industry peers.
  • OVBC has a Debt/Equity ratio of 0.06. This is a healthy value indicating a solid balance between debt and equity.
  • OVBC has a Debt to Equity ratio of 0.06. This is in the better half of the industry: OVBC outperforms 77.55% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.06
Debt/FCF 0.95
Altman-Z N/A
ROIC/WACCN/A
WACC16.44%
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 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 10M 20M 30M

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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 22.08%, which is quite impressive.
  • OVBC shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 2.23% yearly.
  • Looking at the last year, OVBC shows a quite strong growth in Revenue. The Revenue has grown by 12.73% in the last year.
  • OVBC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.48% yearly.
EPS 1Y (TTM)22.08%
EPS 3Y-1.77%
EPS 5Y2.23%
EPS Q2Q%11.43%
Revenue 1Y (TTM)12.73%
Revenue growth 3Y6.8%
Revenue growth 5Y3.48%
Sales Q2Q%5.93%

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 20M 40M 60M

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1

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 14.14 indicates a correct valuation of OVBC.
  • 60.05% of the companies in the same industry are cheaper than OVBC, based on the Price/Earnings ratio.
  • OVBC's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 28.25.
Industry RankSector Rank
PE 14.14
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 the industry average as 66.32% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 17.23
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)6.35
EPS Next 2YN/A
EPS Next 3YN/A

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

5

5. Dividend

5.1 Amount

  • OVBC has a Yearly Dividend Yield of 2.20%.
  • Compared to an average industry Dividend Yield of 2.64, OVBC is paying slightly less dividend.
  • Compared to an average S&P500 Dividend Yield of 1.82, OVBC pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.2%

5.2 History

  • The dividend of OVBC has a limited annual growth rate of 0.90%.
  • OVBC has been paying a dividend for at least 10 years, so it has 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

  • OVBC pays out 29.94% of its income as dividend. This is a 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 5M 10M 15M
OVBC Dividend Payout.OVBC Dividend Payout, showing the Payout Ratio.OVBC Dividend Payout.PayoutRetained Earnings

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OHIO VALLEY BANC CORP

NASDAQ:OVBC (2/4/2026, 8:00:03 PM)

After market: 42.56 0 (0%)

42.56

+0.75 (+1.79%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27
Earnings (Next)04-23
Inst Owners26.22%
Inst Owner Change-1.53%
Ins Owners5.34%
Ins Owner Change-0.65%
Market Cap200.46M
Revenue(TTM)67.50M
Net Income(TTM)14.16M
Analysts0
Price TargetN/A
Short Float %1.02%
Short Ratio3.14
Dividend
Industry RankSector Rank
Dividend Yield 2.2%
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 14.14
Fwd PE N/A
P/S 2.97
P/FCF 17.23
P/OCF 15.81
P/B 1.22
P/tB 1.28
EV/EBITDA N/A
EPS(TTM)3.01
EY7.07%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)2.47
FCFY5.8%
OCF(TTM)2.69
OCFY6.32%
SpS14.33
BVpS34.91
TBVpS33.35
PEG (NY)N/A
PEG (5Y)6.35
Graham Number48.62
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)0.92%
ROA(5y)0.91%
ROE(3y)8.66%
ROE(5y)8.36%
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-8.36%
PM growth 5Y-1.33%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.06
Debt/FCF 0.95
Debt/EBITDA N/A
Cap/Depr 61.82%
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-Score8
WACC16.44%
ROIC/WACCN/A
Cap/Depr(3y)129.21%
Cap/Depr(5y)141.25%
Cap/Sales(3y)3.51%
Cap/Sales(5y)3.93%
Profit Quality(3y)117.99%
Profit Quality(5y)108.96%
High Growth Momentum
Growth
EPS 1Y (TTM)22.08%
EPS 3Y-1.77%
EPS 5Y2.23%
EPS Q2Q%11.43%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)12.73%
Revenue growth 3Y6.8%
Revenue growth 5Y3.48%
Sales Q2Q%5.93%
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-33.85%
FCF growth 3Y-1.08%
FCF growth 5Y6.48%
OCF growth 1Y-36.3%
OCF growth 3Y-0.11%
OCF growth 5Y-2.35%

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 4 / 10.