OVBC$40.46
Chart
Performance
Key Stats
AI OVBC Summary
Powered by LiveAIAI Scoreboard
Powered by LiveAIOverall Analysis
BuyOhio Valley Banc Corp. exhibits strong fundamental performance with a stable business model and consistent dividend payments. Thematic exposure is limited, and recent technicals suggest potential short-term choppiness. Overall, a solid choice for income-focused investors.
Thematic
Ohio Valley Banc Corp.'s business model is primarily focused on traditional banking services, with limited direct exposure to high-growth technological or disruptive themes. Its stability is a strength, but it lacks strong tailwinds from emerging trends.
Fundamental
Ohio Valley Banc Corp. demonstrates robust profitability, a healthy balance sheet, and a commitment to returning capital to shareholders through dividends. Its valuation appears reasonable for its stability.
Technical
The stock has shown positive performance over the medium term but is currently facing some resistance. Technical indicators suggest a mixed outlook, indicating a period of consolidation or choppiness.
| Factor | Score |
|---|---|
| Digital Banking Transformation | 50 |
| ESG & Sustainability | 40 |
| Regional Economic Growth | 65 |
| Interest Rate Sensitivity | 50 |
| Competitive Landscape | 30 |
| Factor | Score |
|---|---|
| Valuation | 80 |
| Profitability | 85 |
| Growth | 65 |
| Balance Sheet Health | 85 |
| Cash Flow | 75 |
| Dividend Yield | 90 |
| Factor | Score |
|---|---|
| Trend Analysis | 70 |
| Momentum | 45 |
| Moving Averages | 40 |
| Volume | 50 |
| Support/Resistance | 55 |
AI Investing Checklist
Powered by LiveAIBullish Points (7)
Attractive P/E Ratio
The Price-to-Earnings (P/E) ratio for the trailing twelve months (TTM) is 17.1, which is favorable compared to the annual 2024 P/E of 10.2, suggesting potential undervaluation on a forward-looking basis.
Strong Cash Position
The company's cash equivalents at the end of 2024 were $83.11 million, a significant increase from $47.85 million in 2022, indicating robust liquidity.
Bearish Points (7)
High Quarterly P/E Ratio
The quarterly P/E ratio in Q1 2025 is 27.7, which is significantly higher than the TTM P/E of 17.1, potentially indicating the stock is becoming overvalued on a short-term basis.
Decreasing Net Margin Trend
The net margin has shown a declining trend from 24.3% in 2022 to 14.8% in Q4 2024, suggesting potential headwinds in converting revenue to profit.
Calendar
July 2025
24
Next Earnings Date
H: $
A: $
L: $
July 2025
25
Ex-Dividend Date
August 2025
10
Next Dividend Date
Profile
Ohio Valley Banc Corp. operates as the bank holding company for The Ohio Valley Bank Company that provides commercial and consumer banking products and services. The company operates in two segments, Banking and Consumer Finance. It accepts various deposit products, including checking, savings, time, and money market accounts, as well as individual retirement accounts, demand deposits, NOW accounts, and certificates of deposit. The company provides various residential real estate loans, including one-to four-family residential mortgages; commercial loans for securing equipment, inventory, stock, commercial real estate, and rental property; and consumer loans secured by automobiles, mobile homes, recreational vehicles, and other personal property, as well as personal loans, unsecured credit card receivables, floor plan and student loans, and construction loans. In addition, it offers safe deposit box, wire transfer, credit card, home equity loans, and Internet banking services; and financial management online services, such as cash management and news updates related to repossession auctions, current rates, and general bank news. Further, the company provides automatic teller machines (ATMs), consumer finance, seasonal tax preparation, commercial property, and various liability insurance services, as well as trust and online-only consumer direct mortgage services. The company owns and operates ATMs, including off-site ATMs. It operates offices in Ohio and West Virginia. The company was founded in 1872 and is based in Gallipolis, Ohio.
Seasonals
Debt Level and Coverage
Financial Position Analysis
Ownership
Capital Structure
Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
Balance Sheet
Income Statement
Cash Flow
Related Companies
Powered by LiveAIWeight: 95
Direct competitor with significant geographic overlap in Southwestern Pennsylvania, Southeastern Ohio, and Northwestern West Virginia, and comparable market capitalization.
Weight: 90
Community bank based in Pennsylvania with a similar business model and comparable market capitalization.
Weight: 90
Ohio-based community bank operating as First Federal Community Bank, very similar geographic focus and market capitalization.
Weight: 85
Full-service national bank with a market capitalization very similar to OVBC, focusing on commercial, family, and personal banking.