41.2 USD
-0.2 (-0.48%)
41.2 USD
0 (0%)
We assign a fundamental rating of 3 out of 10 to OVBC. OVBC was compared to 385 industry peers in the Banks industry. The financial health of OVBC is average, but there are quite some concerns on its profitability. 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.
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.
1.2 Ratios
The Return On Assets of OVBC (0.90%) 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 48.31% 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
OVBC has a worse Profit Margin (20.98%) than 63.38% of its industry peers.
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) | 20.98% | ||
| 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.
Compared to 1 year ago, OVBC has less shares outstanding
The number of shares outstanding for OVBC has been reduced compared to 5 years ago.
The debt/assets ratio for OVBC has been reduced compared to a year ago.
2.2 Solvency
OVBC has a debt to FCF ratio of 0.95. This is a very positive value and a sign of high solvency as it would only need 0.95 years to pay back of all of its debts.
OVBC has a better Debt to FCF ratio (0.95) than 67.79% 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 better Debt to Equity ratio (0.06) than 77.66% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.06 | ||
| Debt/FCF | 0.95 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.51%
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.
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.
Measured over the past years, OVBC shows a small growth in Revenue. The Revenue has been growing by 3.48% on average per year.
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 13.69, OVBC is valued correctly.
The rest of the industry has a similar Price/Earnings ratio as OVBC.
The average S&P500 Price/Earnings ratio is at 26.38. OVBC is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.69 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of OVBC indicates a slightly more expensive valuation: OVBC is more expensive than 66.75% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 16.68 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)6.15
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
OVBC has a Yearly Dividend Yield of 2.21%.
Compared to an average industry Dividend Yield of 2.70, OVBC is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 1.87, OVBC has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.21% |
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
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
41.2
-0.2 (-0.48%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners26.16%
Inst Owner Change1.01%
Ins Owners5.47%
Ins Owner Change-1.19%
Market Cap194.05M
Revenue(TTM)67.50M
Net Income(TTM)14.16M
Analysts0
Price TargetN/A
Short Float %1.24%
Short Ratio4.32
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.21% |
Yearly Dividend0.88
Dividend Growth(5Y)0.9%
DP29.94%
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 | 13.69 | ||
| Fwd PE | N/A | ||
| P/S | 2.87 | ||
| P/FCF | 16.68 | ||
| P/OCF | 15.31 | ||
| P/B | 1.18 | ||
| P/tB | 1.24 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.01
EY7.31%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)2.47
FCFY6%
OCF(TTM)2.69
OCFY6.53%
SpS14.33
BVpS34.91
TBVpS33.35
PEG (NY)N/A
PEG (5Y)6.15
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
WACC16.51%
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.
Can you provide the valuation status for OHIO VALLEY BANC CORP?
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.
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 13.69 and the Price/Book (PB) ratio is 1.18.