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Ohio Valley Banc

NMQ:OVBC · US6777191064
BanksX-Small

360

23
Medium confidence — indicative
Profit price20
Cash yield1
Price/Sales49
EV / Gross Profit51
Price/Book27
Returns on capital65
Profit margins—
Cash Conversion79
Accruals11
Owner Earnings Margin49
Sales growth37
Profit Growth20
Owner Earnings Growth31
Reinvestment51
Price momentum96
Debt load80
Debt serviceability31
Liquidity44
Analyst ratings—
Expectations trend—
Market mood1
Value Creation10/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Ohio Valley Banc clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeX-Small
TypePublic Company
ExchangeNASDAQGM
Founded1992
Websiteovbc.com
ISINUS6777191064
Last UpdateApr 2, 2026
Indices
NASDAQ (USA)
Themes
Online PaymentsConsumer Lending

Description

Ohio Valley Banc Corp. (Ohio Valley) operates as the bank holding company for The Ohio Valley Bank Company that provides various community banking products and services. The bank has one wholly-owned subsidiary, Ohio Valley REO, LLC, an Ohio limited…

Analysis

Hope premium

Ohio Valley Banc Corp. carries what we call a hope premium: an average business trading at an ambitious price.

The price is attractive. You pay 14.3× its owner earnings: the cash an owner could take out each year, which is in the historically attractive zone.

The trajectory is tepid and the balance sheet is stretched. The company scores 10/20 on our value-creation score: creating some value.

What to watch: Some accounting patterns deserve a closer look. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
21
20232026

All-time high

45

Jan 2023

All-time low

19

Mar 2026

Average rank

28

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
49
—
—
76
Price/Earnings
18
—
—
48
Price/Book
27
—
—
86
Dividend Yield
1
—
—
60
Value (overall)
17
—
—
85

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →