40.04 USD
-0.39 (-0.96%)
We assign a fundamental rating of 3 out of 10 to OVBC. OVBC was compared to 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.
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.
Each year in the past 5 years OVBC had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.90%, OVBC is in line with its industry, outperforming 50.39% of the companies in the same industry.
OVBC has a Return On Equity of 8.61%. This is comparable to the rest of the industry: OVBC outperforms 47.00% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
The Profit Margin of OVBC (20.98%) is worse than 63.97% 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 Rank | Sector 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
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
OVBC has a better debt/assets ratio than last year.
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.
Looking at the Debt to FCF ratio, with a value of 0.95, OVBC is in the better half of the industry, outperforming 67.89% of the companies in the same industry.
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 78.07% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.06 | ||
| Debt/FCF | 0.95 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.74%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 22.08% over the past year.
The Earnings Per Share has been growing slightly by 2.23% on average over the past years.
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
The Price/Earnings ratio is 13.30, which indicates a correct valuation of OVBC.
Compared to the rest of the industry, the Price/Earnings ratio of OVBC is on the same level as its industry peers.
Compared to an average S&P500 Price/Earnings ratio of 27.25, OVBC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.3 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, OVBC is valued a bit more expensive than 67.36% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 16.21 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)5.98
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
OVBC has a Yearly Dividend Yield of 2.25%.
OVBC's Dividend Yield is slightly below the industry average, which is at 2.90.
Compared to an average S&P500 Dividend Yield of 1.92, OVBC has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.25% |
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
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
NASDAQ:OVBC (1/12/2026, 8:20:52 PM)
40.04
-0.39 (-0.96%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners26.22%
Inst Owner Change0%
Ins Owners5.34%
Ins Owner Change-0.65%
Market Cap188.59M
Revenue(TTM)67.50M
Net Income(TTM)14.16M
Analysts0
Price TargetN/A
Short Float %1.36%
Short Ratio4.21
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.25% |
Yearly Dividend0.88
Dividend Growth(5Y)0.9%
DP29.94%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
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 | 13.3 | ||
| Fwd PE | N/A | ||
| P/S | 2.79 | ||
| P/FCF | 16.21 | ||
| P/OCF | 14.88 | ||
| P/B | 1.15 | ||
| P/tB | 1.2 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.01
EY7.52%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)2.47
FCFY6.17%
OCF(TTM)2.69
OCFY6.72%
SpS14.33
BVpS34.91
TBVpS33.35
PEG (NY)N/A
PEG (5Y)5.98
Graham Number48.62
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC16.74%
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.