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OHIO VALLEY BANC CORP (OVBC) Stock Fundamental Analysis

NASDAQ:OVBC - US6777191064 - Common Stock

36 USD
+0.56 (+1.58%)
Last: 8/26/2025, 3:22:09 PM
Fundamental Rating

3

OVBC gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 393 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 has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year OVBC was profitable.
In the past year OVBC had a positive cash flow from operations.
Each year in the past 5 years OVBC has been profitable.
Each year in the past 5 years OVBC had a positive operating cash flow.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M

1.2 Ratios

OVBC has a Return On Assets of 0.83%. This is comparable to the rest of the industry: OVBC outperforms 49.62% of its industry peers.
The Return On Equity of OVBC (8.10%) is comparable to the rest of the industry.
Industry RankSector Rank
ROA 0.83%
ROE 8.1%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

Looking at the Profit Margin, with a value of 19.74%, OVBC is doing worse than 62.60% of the companies in the same industry.
OVBC's Profit Margin has been stable 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) 19.74%
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 2015 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.
The number of shares outstanding for OVBC has been reduced compared to 1 year ago.
Compared to 5 years ago, OVBC has less shares outstanding
The debt/assets ratio for OVBC has been reduced compared to a year ago.
OVBC Yearly Shares OutstandingOVBC Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

2.2 Solvency

OVBC has a debt to FCF ratio of 0.96. This is a very positive value and a sign of high solvency as it would only need 0.96 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.96, OVBC is in the better half of the industry, outperforming 72.52% of the companies in the same industry.
A Debt/Equity ratio of 0.06 indicates that OVBC is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.06, OVBC is in the better half of the industry, outperforming 79.39% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.06
Debt/FCF 0.96
Altman-Z N/A
ROIC/WACCN/A
WACC17.59%
OVBC Yearly LT Debt VS Equity VS FCFOVBC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M

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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 24.83%, 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 14.04% 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)24.83%
EPS 3Y-1.77%
EPS 5Y2.23%
EPS Q2Q%41.86%
Revenue 1Y (TTM)14.04%
Revenue growth 3Y6.8%
Revenue growth 5Y3.48%
Sales Q2Q%18.54%

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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M

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2

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 12.24, the valuation of OVBC can be described as correct.
OVBC's Price/Earnings is on the same level as the industry average.
OVBC is valuated cheaply when we compare the Price/Earnings ratio to 27.03, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 12.24
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 14.66
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)5.5
EPS Next 2YN/A
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

OVBC has a Yearly Dividend Yield of 2.57%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.30, OVBC has a dividend in line with its industry peers.
OVBC's Dividend Yield is comparable with the S&P500 average which is at 2.34.
Industry RankSector Rank
Dividend Yield 2.57%

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

5.3 Sustainability

OVBC pays out 33.05% 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.
DP33.05%
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 2015 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 (8/26/2025, 3:22:09 PM)

36

+0.56 (+1.58%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-24 2025-07-24
Earnings (Next)10-27 2025-10-27
Inst Owners19.33%
Inst Owner Change37.96%
Ins Owners5.47%
Ins Owner Change0.58%
Market Cap169.56M
Analysts0
Price TargetN/A
Short Float %2.44%
Short Ratio5.01
Dividend
Industry RankSector Rank
Dividend Yield 2.57%
Yearly Dividend0.88
Dividend Growth(5Y)0.9%
DP33.05%
Div Incr Years0
Div Non Decr Years0
Ex-Date07-25 2025-07-25 (0.23)
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 12.24
Fwd PE N/A
P/S 2.65
P/FCF 14.66
P/OCF 13.39
P/B 1.09
P/tB 1.14
EV/EBITDA N/A
EPS(TTM)2.94
EY8.17%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)2.46
FCFY6.82%
OCF(TTM)2.69
OCFY7.47%
SpS13.56
BVpS33.06
TBVpS31.51
PEG (NY)N/A
PEG (5Y)5.5
Profitability
Industry RankSector Rank
ROA 0.83%
ROE 8.1%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 19.74%
GM N/A
FCFM 18.1%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score4
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.06
Debt/FCF 0.96
Debt/EBITDA N/A
Cap/Depr 65.5%
Cap/Sales 1.73%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 91.71%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC17.59%
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)24.83%
EPS 3Y-1.77%
EPS 5Y2.23%
EPS Q2Q%41.86%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)14.04%
Revenue growth 3Y6.8%
Revenue growth 5Y3.48%
Sales Q2Q%18.54%
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-25.1%
FCF growth 3Y-1.08%
FCF growth 5Y6.48%
OCF growth 1Y-28.27%
OCF growth 3Y-0.11%
OCF growth 5Y-2.35%