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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 $45.70, about 20.9% overvalued vs fair value, +27.2% 1Y return, ranked 519/1037 in sector.
Metrics Rev Growth 52.0% ROE 9.7% Gross Margin 67.6%
$45.70
0.22%
As of April 28, 2026
Previous close • Vol 90d: 18.8%
52-Week Range
Market Cap
$215.30M
Enterprise Value
$270.48M
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Fair
Health
Weak
Efficiency
Fair
Valuation
Fair
Growth
Fair
Profitability
Fair
Health
Weak
Efficiency
Fair
Valuation
Fair
Completeness: 82%
Confidence: 50%
Updated: Mar 8
Top Beats

Quick Facts

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

Next Events

Earnings Apr 23 Estimated

Fair Value Snapshot

Bear Base Bull
$20
$36
$68
Current: $45.70 -21% 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
57
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
61
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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 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing OVBC's balance between Growth (34.5%), Profitability (37.8%), and Safety (27.7%). Growth 35% Safety 28% Profitability 38%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

50th percentile vs peers
51
Key Signals
NII Growth YoY 5.9% 66p Asset Growth YoY 5.3% 58p Equity Growth YoY 4.4% 31p EPS Growth YoY -12.2% 29p
Strengths

No notable strengths identified for this axis.

Risks

No significant risks identified for this axis.

Profitability

55th percentile vs peers
55
Key Signals
Strengths
Risks
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Safety

40th percentile vs peers
41
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
- - -
-20.9% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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