OHIO VALLEY BANC CORP(NASDAQ:OVBC) stock Fundamental Analysis

Fundamental Rating

OVBC gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 398 industry peers in the Banks industry. OVBC scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. OVBC is valued expensive and it does not seem to be growing.

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1. Profitability

1.1 Basic Checks

In the past year OVBC was profitable.

OVBC had a positive operating cash flow in the past year.

In the past 5 years OVBC has always been profitable.

Of the past 5 years OVBC 4 years had a positive operating cash flow.

1.2 Ratios

OVBC has a Return On Assets (0.78%) which is comparable to the rest of the industry.

With a Return On Equity value of 7.69%, OVBC perfoms like the industry average, outperforming 44.97% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	0.78%
ROE	7.69%
ROIC	N/A

ROA(3y)0.92%

ROA(5y)0.91%

ROE(3y)8.66%

ROE(5y)8.36%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

OVBC's Profit Margin of 19.55% is on the low side compared to the rest of the industry. OVBC is outperformed by 63.57% 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 Rank	Sector Rank
OM	N/A
PM (TTM)	19.55%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-8.36%

PM growth 5Y-1.33%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

OVBC does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, OVBC has less shares outstanding

Compared to 5 years ago, OVBC has less shares outstanding

Compared to 1 year ago, OVBC has a worse debt to assets ratio.

2.2 Solvency

OVBC has a debt to FCF ratio of 0.71. This is a very positive value and a sign of high solvency as it would only need 0.71 years to pay back of all of its debts.

OVBC's Debt to FCF ratio of 0.71 is amongst the best of the industry. OVBC outperforms 80.40% of its industry peers.

A Debt/Equity ratio of 0.07 indicates that OVBC is not too dependend on debt financing.

OVBC has a better Debt to Equity ratio (0.07) than 78.89% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.07
Debt/FCF	0.71
Altman-Z	N/A

ROIC/WACCN/A

WACC11.06%

2.3 Liquidity

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

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

OVBC shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -12.23%.

OVBC shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 2.23% yearly.

OVBC shows a small growth in Revenue. In the last year, the Revenue has grown by 5.66%.

Measured over the past years, OVBC shows a small growth in Revenue. The Revenue has been growing by 3.48% on average per year.

EPS 1Y (TTM)-12.23%

EPS 3Y-1.77%

EPS 5Y2.23%

EPS Q2Q%-20.93%

Revenue 1Y (TTM)5.66%

Revenue growth 3Y6.8%

Revenue growth 5Y3.48%

Sales Q2Q%14.06%

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.

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4. Valuation

4.1 Price/Earnings Ratio

OVBC is valuated correctly with a Price/Earnings ratio of 16.59.

Based on the Price/Earnings ratio, OVBC is valued a bit more expensive than the industry average as 75.88% of the companies are valued more cheaply.

When comparing the Price/Earnings ratio of OVBC to the average of the S&P500 Index (28.64), we can say OVBC is valued slightly cheaper.

		Industry Rank	Sector Rank
PE	16.59
Fwd PE	N/A

4.2 Price Multiples

The rest of the industry has a similar Price/Free Cash Flow ratio as OVBC.

		Industry Rank	Sector Rank
P/FCF	11.78
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)7.45

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.59%, OVBC has a reasonable but not impressive dividend return.

OVBC's Dividend Yield is slightly below the industry average, which is at 3.68.

Compared to an average S&P500 Dividend Yield of 2.52, OVBC has a dividend comparable with the average S&P500 company.

		Industry Rank	Sector Rank
Dividend Yield	2.59%

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 for at least 10 years, so it has a reliable track record of non decreasing dividend.

Dividend Growth(5Y)3.79%

Div Incr Years2

Div Non Decr Years10

5.3 Sustainability

OVBC pays out 35.81% of its income as dividend. This is a sustainable payout ratio.

OVBC's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.

DP35.81%

EPS Next 2YN/A

EPS Next 3YN/A

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OHIO VALLEY BANC CORP

NASDAQ:OVBC (4/24/2025, 11:58:27 AM)

38.49

-0.31 (-0.8%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)01-23 2025-01-23

Earnings (Next)04-24 2025-04-24

Inst Owners16.14%

Inst Owner Change0%

Ins Owners3.92%

Ins Owner Change0.72%

Market Cap181.29M

Analysts0

Price TargetN/A

Short Float %0.26%

Short Ratio0.96

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.59%

Yearly Dividend1.02

Dividend Growth(5Y)3.79%

DP35.81%

Div Incr Years2

Div Non Decr Years10

Ex-Date04-25 2025-04-25 (0.23)

Surprises & Revisions

EPS beat(2)N/A

Avg EPS beat(2)N/A

Min EPS beat(2)N/A

Max EPS beat(2)N/A

EPS beat(4)N/A

Avg EPS beat(4)N/A

Min EPS beat(4)N/A

Max EPS beat(4)N/A

EPS beat(8)N/A

Avg EPS beat(8)N/A

EPS beat(12)N/A

Avg EPS beat(12)N/A

EPS beat(16)N/A

Avg EPS beat(16)N/A

Revenue beat(2)N/A

Avg Revenue beat(2)N/A

Min Revenue beat(2)N/A

Max Revenue beat(2)N/A

Revenue beat(4)N/A

Avg Revenue beat(4)N/A

Min Revenue beat(4)N/A

Max Revenue beat(4)N/A

Revenue beat(8)N/A

Avg Revenue beat(8)N/A

Revenue beat(12)N/A

Avg Revenue beat(12)N/A

Revenue beat(16)N/A

Avg Revenue beat(16)N/A

PT rev (1m)N/A

PT rev (3m)N/A

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)N/A

EPS NY rev (3m)N/A

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)N/A

Revenue NY rev (3m)N/A

Valuation

		Industry Rank	Sector Rank
PE	16.59
Fwd PE	N/A
P/S	3.03
P/FCF	11.78
P/OCF	10.48
P/B	1.19
P/tB	1.25
EV/EBITDA	N/A

EPS(TTM)2.32

EY6.03%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)3.27

FCFY8.49%

OCF(TTM)3.67

OCFY9.55%

SpS12.71

BVpS32.3

TBVpS30.75

PEG (NY)N/A

PEG (5Y)7.45

Profitability

		Industry Rank	Sector Rank
ROA	0.78%
ROE	7.69%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	19.55%
GM	N/A
FCFM	25.71%

ROA(3y)0.92%

ROA(5y)0.91%

ROE(3y)8.66%

ROE(5y)8.36%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-8.36%

PM growth 5Y-1.33%

GM growth 3YN/A

GM growth 5YN/A

F-Score4

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.07
Debt/FCF	0.71
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	3.19%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	131.5%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score4

WACC11.06%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)N/A

Cap/Sales(5y)N/A

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-12.23%

EPS 3Y-1.77%

EPS 5Y2.23%

EPS Q2Q%-20.93%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)5.66%

Revenue growth 3Y6.8%

Revenue growth 5Y3.48%

Sales Q2Q%14.06%

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-12.48%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-13.05%

OCF growth 3YN/A

OCF growth 5YN/A

OHIO VALLEY BANC CORP (OVBC) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens