OHIO VALLEY BANC CORP (OVBC)

US6777191064 - Common Stock

23.4  -0.15 (-0.64%)

Fundamental Rating

3

Taking everything into account, OVBC scores 3 out of 10 in our fundamental rating. OVBC was compared to 411 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 valuation in line with the averages, but it does not seem to be growing.



3

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.
In the past 5 years OVBC always reported a positive cash flow from operatings.

1.2 Ratios

The Return On Assets of OVBC (0.93%) is comparable to the rest of the industry.
OVBC has a Return On Equity (8.77%) which is in line with its industry peers.
Industry RankSector Rank
ROA 0.93%
ROE 8.77%
ROIC N/A
ROA(3y)0.99%
ROA(5y)0.96%
ROE(3y)8.98%
ROE(5y)8.44%
ROIC(3y)N/A
ROIC(5y)N/A

1.3 Margins

OVBC has a Profit Margin of 21.54%. This is in the lower half of the industry: OVBC underperforms 60.10% 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 RankSector Rank
OM N/A
PM (TTM) 21.54%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y1.23%
PM growth 5Y-1.02%
GM growth 3YN/A
GM growth 5YN/A

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.
OVBC has more shares outstanding than it did 5 years ago.
OVBC has a better debt/assets ratio than last year.

2.2 Solvency

The Debt to FCF ratio of OVBC is 0.60, which is an excellent value as it means it would take OVBC, only 0.60 years of fcf income to pay off all of its debts.
OVBC's Debt to FCF ratio of 0.60 is amongst the best of the industry. OVBC outperforms 82.00% 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 amongst the best in the industry. OVBC outperforms 81.75% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.06
Debt/FCF 0.6
Altman-Z N/A
ROIC/WACCN/A
WACC12.52%

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

1

3. Growth

3.1 Past

The earnings per share for OVBC have decreased by -5.53% in the last year.
Measured over the past 5 years, OVBC shows a small growth in Earnings Per Share. The EPS has been growing by 0.90% on average per year.
Looking at the last year, OVBC shows a small growth in Revenue. The Revenue has grown by 6.74% in the last year.
Measured over the past years, OVBC shows a small growth in Revenue. The Revenue has been growing by 2.18% on average per year.
EPS 1Y (TTM)-5.53%
EPS 3Y7.32%
EPS 5Y0.9%
EPS growth Q2Q-8.75%
Revenue 1Y (TTM)6.74%
Revenue growth 3Y5.88%
Revenue growth 5Y2.18%
Revenue growth Q2Q9.69%

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

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 8.83, the valuation of OVBC can be described as reasonable.
Based on the Price/Earnings ratio, OVBC is valued a bit cheaper than the industry average as 66.18% of the companies are valued more expensively.
OVBC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.32.
Industry RankSector Rank
PE 8.83
Fwd PE N/A

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, OVBC is valued cheaper than 81.27% of the companies in the same industry.
Industry RankSector Rank
P/FCF 6.21
EV/EBITDA N/A

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)9.85
EPS Next 2YN/A
EPS Next 3YN/A

6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.75%, OVBC has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.68, OVBC has a dividend in line with its industry peers.
OVBC's Dividend Yield is rather good when compared to the S&P500 average which is at 2.34.
Industry RankSector Rank
Dividend Yield 3.75%

5.2 History

The dividend of OVBC has a limited annual growth rate of 3.79%.
OVBC has been paying a dividend for at least 10 years, so it has a reliable track record.
OVBC has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)3.79%
Div Incr Years2
Div Non Decr Years7

5.3 Sustainability

38.56% of the earnings are spent on dividend by OVBC. This is a low number and sustainable payout ratio.
OVBC's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP38.56%
EPS Next 2YN/A
EPS Next 3YN/A

OHIO VALLEY BANC CORP

NASDAQ:OVBC (5/13/2024, 7:00:02 PM)

23.4

-0.15 (-0.64%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap112.09M
Analysts
Price Target
Dividend
Industry RankSector Rank
Dividend Yield 3.75%
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
Industry RankSector Rank
PE 8.83
Fwd PE N/A
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)9.85
Profitability
Industry RankSector Rank
ROA 0.93%
ROE 8.77%
ROCE
ROIC
ROICexc
ROICexgc
OM N/A
PM (TTM) 21.54%
GM N/A
FCFM
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.06
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio N/A
Quick Ratio N/A
Altman-Z
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-5.53%
EPS 3Y7.32%
EPS 5Y
EPS growth Q2Q
EPS Next YN/A
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)6.74%
Revenue growth 3Y5.88%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y