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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 Framework: Banks & Lenders Micro Cap
Ohio Valley Banc Corp. (OVBC), is a Micro Cap company, in the Banks - Regional industry, last closed at $42.15, about 10.7% overvalued vs fair value, +24.6% 1Y return, ranked 404/1078 in sector.
Metrics P/E 12.1× Rev Growth 7.6% ROE 9.7% Gross Margin 95.4% Div Yield 2.28%
USD 42.15
-2.95%
(Delayed)
• Vol 90d: 31.9%
52-Week Range
Market Cap
$198.57M
Enterprise Value
$126.15M
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Good
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Good
Completeness: 82%
Confidence: 86%
Updated: Jul 5
Top Beats

Quick Facts

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

Next Events

Earnings Jul 24 Estimated

Fair Value Snapshot

Bear Base Bull
$21
$38
$70
Current: $42.15 -11% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$84.9M
12.6%%
Interest Expense
$27.5M
Net Interest Income
$57.4M
18.5%%
Total Revenue
$66.7M
7.6%%
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
9.2%
Fair

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$4.3M
27.5% 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
60
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
60
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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 (42.3%), Profitability (27.3%), and Safety (30.4%). Growth 42% Safety 30% Profitability 27%

Click axes to expand details. Marker shows current allocation.

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Growth

67th percentile vs peers
68
Key Signals
NII Growth YoY 18.5% 74p Asset Growth YoY 5.3% 56p EPS Growth YoY 42.6% 74p Equity Growth YoY 13.3% 68p
Strengths
  • Growth above peer median with strong metric coverage (80%)
  • Conservative leverage compared to industry peers
Risks

No significant risks identified for this axis.

Profitability

43th percentile vs peers
44
Key Signals
Strengths
Risks
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Safety

48th percentile vs peers
49
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
$37.64
- - -
-10.7% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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