Is Ohio Valley Banc Corp. (OVBC) Overvalued?
We dive into why Ohio Valley Banc Corp. (OVBC) could be considered overvalued on 2026-08-18, based on AAII’s Value Score and Grade.Michael Rose
A+ Stock Grade Summary:
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COMPANY SUMMARY
Ohio Valley Banc Corp. operates as the bank holding company for The Ohio Valley Bank Company that provides commercial and retail banking products and services. 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. 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.
Commentary & Analysis
Why Ohio Valley Banc Corp.’s (OVBC) Stock Is Down 5.85%
As of Thursday, June 25, Ohio Valley Banc Corp.’s OVBC share price has dipped by 5.85%, which has investors questioning if this is right time to buy.Jenna Brashear
Does Ohio Valley Banc Corp. (OVBC) Have Momentum?
With data as of February 4, 2026, we examine if Ohio Valley Banc Corp.(OVBC) is consistently building momentum based on AAII's A+ Investor Momentum and Value Scores and Grades.Jenna Brashear
Why Ohio Valley Banc Corp.’s (OVBC) Stock Is Down 6.78%
As of Friday, May 16, Ohio Valley Banc Corp.’s OVBC share price has dipped by 6.78%, which has investors questioning if this is right time to buy.Cynthia McLaughlin
Why Ohio Valley Banc Corp.’s (OVBC) Stock Is Up 6.38%
As of Monday, April 21, Ohio Valley Banc Corp.’s OVBC share price has surged by 6.38%, which has investors questioning if this is right time to sell.Jenna Brashear
Financial Summary
| Share Statistics | OVBC | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $212.7 | $730.8 | 28% |
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| Shares Out (Mil) | 4.7 | 15.2 | 13% |
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| Institutional Ownership | 67.3% | 83.5% | 41% |
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| Float (Mil) | 3.3 | 21.7 | 8% |
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| Beta | 0.02 | 0.45 | 7% |
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| Avg Daily Volume (000s) | 33 | 45 | 25% |
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| Price Change (52-week) |
22.0% | 93.1% | 66% |
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| Growth | OVBC | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 6.5% | 7.7% | 43% |
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| Net Income (5yr) | 8.7% | 11.1% | 53% |
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| EPS (5yr) | 9.1% | 10.1% | 45 |
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| Dividends (5yr) | 1.6% | 3.7% | 77% |
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| Cash Flow (5yr) | (19.5%) | (17.2%) | 34% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | na | na | na | |
| Current EPS | na | na | na | |
| Month Ago EPS | na | na | na | |
| # Rev Up | na | na | na | |
| # Rev Down | na | na | na | |
| Three Months Ago EPS | na | na | na | |
| Year/Year Chg | na | na | na | |
| Financials | OVBC | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $62 | $195 | 22% |
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| Net Income (TTM) (Mil) | $14 | $55 | 47% |
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| EPS (TTM) | $3.016 | $2.500 | 78% |
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| Operating Cash Flow (TTM) (Mil) | $23 | $33 | 42% |
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| Net Cash Flow (TTM) (Mil) | $24 | $2 | 63% |
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| Long-Term Debt (Q1) (Mil) | $41 | $99 | 37% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | OVBC | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.23 | 1.23 | 30% |
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| P/E | 15.0 | 12.3 | 37% |
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| Dividend Yield | 2.2% | 2.2% | 78% |
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| PEG (5yr hist) | 1.6 | 1.1 | 63% |
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| Ratios | OVBC | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 63.7% | na |
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| Net Margin | 22.8% | 29.2% | 81% |
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| ROA | 0.9% | 1.1% | 45% |
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| ROE | 8.5% | 11.3% | 52% |
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| Liabilities to Assets | 89.6% | 89.7% | 85% |
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| F-Score | 5 | 4 | 50% |
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Passing Stock Screens
As of 9/1/2026, from a list of 60 stock screening strategies,
GURU STRATEGY
Graham--Defensive Investor (Utility) Screen
Factors: Yield, Value, Quality, Industry/Sector
Graham's approach leads to three separate screens that focus on the concept of intrinsic value, justified by a firm's financial strength.
| Performance Since Inception: | 6.8% |
| +/- S&P 500: | -0.7 |
