OHIO VALLEY BANC CORP (OVBC) Stock Fundamental Analysis
USA - NASDAQ:OVBC - US6777191064 - Common Stock
36.15 USD
+0.24 (+0.67%)
OVBC gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 390 industry peers in the Banks industry. While OVBC seems to be doing ok healthwise, there are quite some concerns on its profitability. OVBC has a expensive valuation and it also scores bad on growth.
1. Profitability
1.1 Basic Checks
In the past year OVBC was profitable.
OVBC had a positive operating cash flow in the past year.
Each year in the past 5 years OVBC has been profitable.
In the past 5 years OVBC always reported a positive cash flow from operatings.
1.2 Ratios
OVBC has a Return On Assets (0.92%) which is comparable to the rest of the industry.
OVBC has a Return On Equity (8.62%) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.92% | ||
| ROE | 8.62% | ||
| 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
1.3 Margins
With a Profit Margin value of 20.80%, OVBC is not doing good in the industry: 62.31% of the companies in the same industry are doing better.
In the last couple of years the Profit Margin of OVBC has remained more or less at the same level.
OVBC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 20.8% | ||
| 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
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.
Compared to 5 years ago, OVBC has less shares outstanding
Compared to 1 year ago, OVBC has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of OVBC is 0.92, which is an excellent value as it means it would take OVBC, only 0.92 years of fcf income to pay off all of its debts.
OVBC has a better Debt to FCF ratio (0.92) than 71.54% 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's Debt to Equity ratio of 0.06 is fine compared to the rest of the industry. OVBC outperforms 78.72% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.06 | ||
| Debt/FCF | 0.92 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC17.4%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
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.
The Revenue has grown by 12.73% in the past year. This is quite good.
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 12.01, OVBC is valued correctly.
OVBC's Price/Earnings ratio is in line with the industry average.
When comparing the Price/Earnings ratio of OVBC to the average of the S&P500 Index (26.03), we can say OVBC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.01 | ||
| Fwd PE | N/A |
4.2 Price Multiples
OVBC's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.09 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)5.4
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
OVBC has a Yearly Dividend Yield of 2.61%.
Compared to an average industry Dividend Yield of 3.42, OVBC has a dividend in line with its industry peers.
OVBC's Dividend Yield is comparable with the S&P500 average which is at 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.61% |
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
5.3 Sustainability
OVBC pays out 30.27% of its income as dividend. This is a sustainable payout ratio.
The dividend of OVBC is growing, but earnings are growing more, so the dividend growth is sustainable.
DP30.27%
EPS Next 2YN/A
EPS Next 3YN/A
NASDAQ:OVBC (11/5/2025, 1:38:52 PM)
36.15
+0.24 (+0.67%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners25.74%
Inst Owner Change-3.94%
Ins Owners5.47%
Ins Owner Change0.58%
Market Cap170.27M
Revenue(TTM)67.50M
Net Income(TTM)13.85M
Analysts0
Price TargetN/A
Short Float %1.37%
Short Ratio5.45
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.61% |
Yearly Dividend0.88
Dividend Growth(5Y)0.9%
DP30.27%
Div Incr Years0
Div Non Decr Years0
Ex-Date
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.01 | ||
| Fwd PE | N/A | ||
| P/S | 2.56 | ||
| P/FCF | 14.09 | ||
| P/OCF | 13.13 | ||
| P/B | 1.06 | ||
| P/tB | 1.11 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.01
EY8.33%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)2.56
FCFY7.09%
OCF(TTM)2.75
OCFY7.61%
SpS14.14
BVpS34.13
TBVpS32.58
PEG (NY)N/A
PEG (5Y)5.4
Graham Number48.08
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.92% | ||
| ROE | 8.62% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 20.8% | ||
| GM | N/A | ||
| FCFM | 18.14% |
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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.06 | ||
| Debt/FCF | 0.92 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 52.43% | ||
| Cap/Sales | 1.33% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 87.22% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC17.4%
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-27.23%
FCF growth 3Y-1.08%
FCF growth 5Y6.48%
OCF growth 1Y-31.99%
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.
Can you provide the valuation status for OHIO VALLEY BANC CORP?
ChartMill assigns a valuation rating of 2 / 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.
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 12.01 and the Price/Book (PB) ratio is 1.06.