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Ohio Valley BancNasdaqGM:OVBC Stock Report

Last Price


Market Cap







21 Jan, 2022


Company Financials
OVBC fundamental analysis
Snowflake Score
Future Growth0/6
Past Performance5/6
Financial Health6/6

OVBC Stock Overview

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.


Trading at 23.5% below our estimate of its fair value

Earnings grew by 56% over the past year

Risk Analysis

No risks detected for OVBC from our risk checks.

Ohio Valley Banc Competitors

Farmers & Merchants Bancorp



Reliant Bancorp



Bank First



MVB Financial



Price History & Performance

Summary of all time highs, changes and price drops for Ohio Valley Banc
Historical stock prices
Current Share PriceUS$30.02
52 Week HighUS$32.70
52 Week LowUS$21.16
1 Month Change6.07%
3 Month Change9.56%
1 Year Change25.40%
3 Year Change-13.98%
5 Year Change6.27%
Change since IPO298.35%

Recent News & Updates

Oct 23
Ohio Valley Banc's (NASDAQ:OVBC) Dividend Will Be US$0.21

Ohio Valley Banc's (NASDAQ:OVBC) Dividend Will Be US$0.21

Ohio Valley Banc Corp. ( NASDAQ:OVBC ) will pay a dividend of US$0.21 on the 10th of November. Based on this payment...

Jul 24
Ohio Valley Banc (NASDAQ:OVBC) Has Announced A Dividend Of US$0.21

Ohio Valley Banc (NASDAQ:OVBC) Has Announced A Dividend Of US$0.21

Ohio Valley Banc Corp. ( NASDAQ:OVBC ) has announced that it will pay a dividend of US$0.21 per share on the 10th of...

Shareholder Returns

OVBCUS BanksUS Market

Return vs Industry: OVBC underperformed the US Banks industry which returned 28% over the past year.

Return vs Market: OVBC exceeded the US Market which returned 6.6% over the past year.

Price Volatility

Is OVBC's price volatile compared to industry and market?
OVBC volatility
OVBC Average Weekly Movement4.1%
Banks Industry Average Movement3.9%
Market Average Movement6.7%
10% most volatile stocks in US Market15.6%
10% least volatile stocks in US Market2.4%

Stable Share Price: OVBC is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 4% a week.

Volatility Over Time: OVBC's weekly volatility (4%) has been stable over the past year.

About the Company

1872234Tom Wiseman

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.

Ohio Valley Banc Fundamentals Summary

How do Ohio Valley Banc's earnings and revenue compare to its market cap?
OVBC fundamental statistics
Market CapUS$143.22m
Earnings (TTM)US$14.13m
Revenue (TTM)US$52.08m


P/E Ratio


P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
OVBC income statement (TTM)
Cost of RevenueUS$0
Gross ProfitUS$52.08m

Last Reported Earnings

Sep 30, 2021

Next Earnings Date


Earnings per share (EPS)2.96
Gross Margin100.00%
Net Profit Margin27.13%
Debt/Equity Ratio22.6%

How did OVBC perform over the long term?

See historical performance and comparison



Current Dividend Yield


Payout Ratio

Does OVBC pay a reliable dividends?

See OVBC dividend history and benchmarks
When do you need to buy OVBC by to receive an upcoming dividend?
Ohio Valley Banc dividend dates
Ex Dividend DateJan 27 2022
Dividend Pay DateFeb 10 2022
Days until Ex dividend5 days
Days until Dividend pay date19 days

Does OVBC pay a reliable dividends?

See OVBC dividend history and benchmarks


Is Ohio Valley Banc undervalued compared to its fair value and its price relative to the market?


Undervalued compared to fair value

Share Price vs. Fair Value

Below Fair Value: OVBC ($30.02) is trading below our estimate of fair value ($39.25)

Significantly Below Fair Value: OVBC is trading below fair value by more than 20%.

Price To Earnings Ratio

PE vs Industry: OVBC is good value based on its PE Ratio (10.1x) compared to the US Banks industry average (11x).

PE vs Market: OVBC is good value based on its PE Ratio (10.1x) compared to the US market (16.7x).

Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate OVBC's PEG Ratio to determine if it is good value.

Price to Book Ratio

PB vs Industry: OVBC is good value based on its PB Ratio (1x) compared to the US Banks industry average (1.2x).

Future Growth

How is Ohio Valley Banc forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?


Forecasted Banks industry annual growth in earnings

In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Ohio Valley Banc has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.

Past Performance

How has Ohio Valley Banc performed over the past 5 years?


Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: OVBC has high quality earnings.

Growing Profit Margin: OVBC's current net profit margins (27.1%) are higher than last year (18.8%).

Past Earnings Growth Analysis

Earnings Trend: OVBC's earnings have grown by 11.8% per year over the past 5 years.

Accelerating Growth: OVBC's earnings growth over the past year (56%) exceeds its 5-year average (11.8% per year).

Earnings vs Industry: OVBC earnings growth over the past year (56%) exceeded the Banks industry 43.4%.

Return on Equity

High ROE: OVBC's Return on Equity (10%) is considered low.

Financial Health

How is Ohio Valley Banc's financial position? (This company is analysed differently as a bank or financial institution)

Financial Position Analysis

Debt to Equity History and Analysis

Balance Sheet

Financial Institutions Analysis

Asset Level: OVBC's Assets to Equity ratio (8.8x) is low.

Allowance for Bad Loans: OVBC has a sufficient allowance for bad loans (109%).

Low Risk Liabilities: 95% of OVBC's liabilities are made up of primarily low risk sources of funding.

Loan Level: OVBC has an appropriate level of Loans to Assets ratio (67%).

Low Risk Deposits: OVBC's Loans to Deposits ratio (80%) is appropriate.

Level of Bad Loans: OVBC has an appropriate level of bad loans (0.7%).


What is Ohio Valley Banc current dividend yield, its reliability and sustainability?


Current Dividend Yield

Upcoming Dividend Payment

TodayJan 22 2022Ex Dividend DateJan 27 2022Dividend Pay DateFeb 10 202214 days from Ex DividendBuy in the next 5 days to receive the upcoming dividend

Dividend Yield vs Market

Notable Dividend: OVBC's dividend (2.8%) is higher than the bottom 25% of dividend payers in the US market (1.36%).

High Dividend: OVBC's dividend (2.8%) is low compared to the top 25% of dividend payers in the US market (3.55%).

Stability and Growth of Payments

Stable Dividend: OVBC's dividends per share have been stable in the past 10 years.

Growing Dividend: OVBC's dividend payments have not increased over the past 10 years.

Current Payout to Shareholders

Dividend Coverage: With its reasonably low payout ratio (28.5%), OVBC's dividend payments are well covered by earnings.

Future Payout to Shareholders

Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.

Next Steps


How experienced are the management team and are they aligned to shareholders interests?


Average management tenure


Tom Wiseman (62 yo)





Mr. Thomas E. Wiseman, also known as Tom, has been Chief Executive Officer of Ohio Valley Banc Corp. and Ohio Valley Bank Company since May 09, 2012. Mr. Wiseman served as President of Ohio Valley Banc Cor...

CEO Compensation Analysis

Compensation vs Market: Tom's total compensation ($USD739.27K) is about average for companies of similar size in the US market ($USD582.55K).

Compensation vs Earnings: Tom's compensation has been consistent with company performance over the past year.

Leadership Team

Experienced Management: OVBC's management team is seasoned and experienced (9.7 years average tenure).

Board Members

Experienced Board: OVBC's board of directors are considered experienced (5.3 years average tenure).


Who are the major shareholders and have insiders been buying or selling?

Insider Trading Volume

Insider Buying: OVBC insiders have bought more shares than they have sold in the past 3 months.

Recent Insider Transactions

Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.

Top Shareholders

Company Information

Ohio Valley Banc Corp.'s employee growth, exchange listings and data sources

Key Information

  • Name: Ohio Valley Banc Corp.
  • Ticker: OVBC
  • Exchange: NasdaqGM
  • Founded: 1872
  • Industry: Regional Banks
  • Sector: Banks
  • Implied Market Cap: US$143.222m
  • Shares outstanding: 4.77m
  • Website:

Number of Employees


  • Ohio Valley Banc Corp.
  • 420 Third Avenue
  • PO Box 240
  • Gallipolis
  • Ohio
  • 45631
  • United States


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/01/21 23:38
End of Day Share Price2022/01/21 00:00
Annual Earnings2020/12/31

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.