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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 $47.37, about 19.6% overvalued vs fair value, +36.6% 1Y return, ranked 477/1078 in sector.
Metrics P/E 12.1× Rev Growth 7.6% ROE 9.7% Gross Margin 95.4% Div Yield 2.28%
USD 47.37
0.74%
(Delayed)
• Vol 90d: 30.7%
52-Week Range
Market Cap
$223.20M
Enterprise Value
$195.44M
Overall Score
View breakdown
Overall
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Fair
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Fair
Completeness: 94%
Confidence: 93%
Updated: Oct 24
Top Beats

Quick Facts

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

Next Events

Dividend Nov 10 Ex-div: Oct 30

Fair Value Snapshot

Bear Base Bull
$21
$38
$71
Current: $47.37 -20% 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

Locked 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
59
/100
Moderate
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key strengths

  • Disciplined Risk Management Risk management appears disciplined (asset quality score 0.60).
  • Diversified Revenue Streams Revenue diversification is evident (growth stability 0.90).

Key risks

  • Operational Inefficiency Operational efficiency lags peers (score 0.33).
  • Weak Net Interest Margin Net interest margin proxy is weak (score 0.33).

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Deposit Franchise

Moderate
60
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Signals, strengths and risks for Deposit Franchise

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Signals, strengths and risks for Lending Advantage

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Signals, strengths and risks for Capital Strength

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Signals, strengths and risks for Cost Discipline

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Signals, strengths and risks for Revenue Diversification

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Signals, strengths and risks for Risk Management

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 (40.8%), Profitability (29.6%), and Safety (29.6%). Growth 41% Safety 30% Profitability 30%

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% 73p Equity Growth YoY 13.3% 68p
Strengths
  • Net Interest Margin in top 20% of peers (3.6%, 81th percentile)
  • Growth above peer median with strong metric coverage (80%)
  • Conservative leverage compared to industry peers
Risks

No significant risks identified for this axis.

Profitability

49th percentile vs peers
49
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..

Loading valuation model...
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
$38.10
- - -
-19.6% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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