Ohio Valley Banc Corp (OVBC) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Ohio Valley Banc Corp stock (OVBC) is currently trading at $41.97. Ohio Valley Banc Corp PE ratio is 11.92. Ohio Valley Banc Corp PS ratio (Price-to-Sales) is 3.10. WallStSmart rates OVBC as Underperform.
- OVBC PE ratio analysis and historical PE chart
- OVBC PS ratio (Price-to-Sales) history and trend
- OVBC intrinsic value — DCF, Graham Number, EPV models
- OVBC stock price prediction 2025 2026 2027 2028 2029 2030
- OVBC fair value vs current price
- OVBC insider transactions and insider buying
- Is OVBC undervalued or overvalued?
- Ohio Valley Banc Corp financial analysis — revenue, earnings, cash flow
- OVBC Piotroski F-Score and Altman Z-Score
- OVBC analyst price target and Smart Rating
Ohio Valley Banc Corp
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OVBC Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Ohio Valley Banc Corp (OVBC)
OVBC trades at a significant discount to its Graham intrinsic value of $75.12, offering a 43% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Ohio Valley Banc Corp (OVBC) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, profit margin. Concerns around market cap and return on equity. Fundamentals are solid but monitor weak areas for improvement.
Ohio Valley Banc Corp (OVBC) Key Strengths (3)
Keeps $22 of every $100 in revenue as net profit
Strong operational efficiency: $26 kept per $100 revenue
Trading at 1.13x book value, attractively priced
Supporting Valuation Data
Ohio Valley Banc Corp (OVBC) Areas to Watch (6)
Revenue growing slowly at 4.90% annually
Micro-cap company with very limited liquidity and high volatility
Low profitability relative to shareholder equity
Low institutional interest, mostly retail-driven
Revenue is fairly priced at 3.10x sales
Solid earnings growth at 11.40%
Ohio Valley Banc Corp (OVBC) Detailed Analysis Report
Overall Assessment
This company scores 52/100 in our Smart Analysis, earning a C- grade. Out of 9 metrics analyzed, 3 register as strengths (avg 8.7/10) while 6 fall into concern territory (avg 4.0/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Profit Margin, Operating Margin, Price/Book. Valuation metrics including Price/Book (1.13) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 25.80%, Profit Margin at 22.10%.
The Bear Case
The primary concerns are Revenue Growth, Market Cap, Return on Equity. Some valuation metrics including Price/Sales (3.10) suggest expensive pricing. Growth concerns include Revenue Growth at 4.90%, EPS Growth at 11.40%, which may limit upside. Profitability pressure is visible in Return on Equity at 8.95%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Revenue Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 8.95% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 4.90% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Profit Margin, Operating Margin) and negatives (Revenue Growth, Market Cap). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
OVBC Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
OVBC's Price-to-Sales ratio of 3.10x trades at a 34% premium to its historical average of 2.31x (86th percentile). The current valuation is 31% below its historical high of 4.48x set in Jun 2018, and 114% above its historical low of 1.45x in Dec 2008.
WallStSmart Analysis Synopsis
Data-driven financial summary for Ohio Valley Banc Corp (OVBC) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Ohio Valley Banc Corp is a strong growth company balancing expansion with improving profitability. Revenue reached 64M with 490% growth year-over-year. Profit margins are strong at 22.1%, reflecting pricing power and operational efficiency.
Key Findings
Revenue growing at 490% YoY, reaching 64M. This pace significantly outperforms most BANKS - REGIONAL peers.
ROE of 895.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
What to Watch Next
Growth sustainability: can Ohio Valley Banc Corp maintain 490%+ revenue growth, or will competition slow it down?
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Ohio Valley Banc Corp.
Bottom Line
Ohio Valley Banc Corp offers an attractive blend of growth (490% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(21 last 3 months)
| Insider | Type | Shares |
|---|---|---|
BARNITZ, ANNA P Director | Sell | -38.613 |
Data sourced from SEC Form 4 filings
Last updated: 8:21:58 AM
About Ohio Valley Banc Corp(OVBC)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Ohio Valley Banc Corp. The company is headquartered in Gallipolis, Ohio.