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Company Analysis

Ohio Valley Banc Corp. OVBC

A comprehensive view of key metrics, scores, and financial health for Ohio Valley Banc Corp.

Overview of Ohio Valley Banc Corp.

OVBC NGM
Financial Services Banks - Regional Micro Cap
Ohio Valley Banc Corp. (OVBC), is a Micro Cap company, in the Banks - Regional industry, last closed at $41.20, about 12.3% overvalued vs fair value, +34.5% 1Y return, ranked 538/1004 in sector.
$41.20
-0.91%
As of March 13, 2026
Previous close • Vol 90d: 21.7%
52-Week Range
Market Cap
$199.20M
Enterprise Value
$254.38M
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.ovbc.com
HQ Gallipolis, OH
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$20
$36
$68
Current: $41.20 -12% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$75.4M
22.5%%
Interest Expense
$27.5M
Net Interest Income
$48.4M
5.9%%
Total Revenue
$94.2M
52%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
7.3%
Fair

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$6.1M
55.7% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Ohio Valley Banc Corp.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
55
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
56
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing OVBC's balance between Growth (41.0%), Profitability (29.7%), and Safety (29.4%). Growth 41% Safety 29% Profitability 30%

Click axes to expand details. Marker shows current allocation.

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Growth

51th percentile vs peers
52
Key Signals
Asset Growth YoY 5.3% 58p Rev Growth YoY 52.0% 44p Revenue CAGR 3Y 19.7% 54p
Strengths

No notable strengths identified for this axis.

Risks

No significant risks identified for this axis.

Profitability

37th percentile vs peers
38
Key Signals
Strengths
Risks
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Safety

37th percentile vs peers
37
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Ohio Valley Banc Corp..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$36.13
- - -
-12.3% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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