Stock Analysis Report

Executive Summary

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.

Snowflake Analysis

Excellent balance sheet average dividend payer.

Similar Companies

Share Price & News

How has Ohio Valley Banc's share price performed over time and what events caused price changes?

Latest Share Price and Events

Stable Share Price: OVBC's share price has been volatile over the past 3 months.

Market Performance

7 Day Return




US Banks


US Market

1 Year Return




US Banks


US Market

Return vs Industry: OVBC exceeded the US Banks industry which returned -28.9% over the past year.

Return vs Market: OVBC underperformed the US Market which returned -10% over the past year.

Shareholder returns

7 Day8.5%0.7%2.4%
30 Day-5.4%-18.9%-11.0%
90 Day-26.3%-39.2%-19.4%
1 Year-20.7%-22.5%-26.8%-28.9%-8.1%-10.0%
3 Year5.5%-1.4%-17.2%-23.3%17.3%9.6%
5 Year44.0%25.0%8.1%-4.4%36.1%21.1%

Price Volatility Vs. Market

How volatile is Ohio Valley Banc's share price compared to the market and industry in the last 5 years?

Simply Wall St News


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 ($28.3) is trading below our estimate of fair value ($33.65)

Significantly Below Fair Value: OVBC is trading below fair value, but not by a significant amount.

Price To Earnings Ratio

PE vs Industry: OVBC is poor value based on its PE Ratio (13.6x) compared to the Banks industry average (8.7x).

PE vs Market: OVBC is poor value based on its PE Ratio (13.6x) compared to the US market (13x).

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 overvalued based on its PB Ratio (1.1x) compared to the US Banks industry average (0.8x).

Next Steps

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.

Next Steps

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 (19.8%) are lower than last year (23.1%).

Past Earnings Growth Analysis

Earnings Trend: OVBC's earnings have grown by 6.4% per year over the past 5 years.

Accelerating Growth: OVBC's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: OVBC had negative earnings growth (-17.1%) over the past year, making it difficult to compare to the Banks industry average (10.8%).

Return on Equity

High ROE: OVBC's Return on Equity (7.7%) is considered low.

Next Steps

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 level of assets compared to its equity is low.

Allowance for Bad Loans: OVBC has a low allowance for bad loans.

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

Loan Level: OVBC has an acceptable proportion of non-loan assets held.

Low Risk Deposits: OVBC's loans are broadly funded by customer deposits.

Level of Bad Loans: OVBC has an appropriate level of bad loans (1.3%)

Next Steps


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


Current Dividend Yield

Dividend Yield vs Market

Notable Dividend: OVBC's dividend (2.97%) is higher than the bottom 25% of dividend payers in the US market (1.93%).

High Dividend: OVBC's dividend (2.97%) is low compared to the top 25% of dividend payers in the US market (5.46%).

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 increased over the past 10 years.

Current Payout to Shareholders

Dividend Coverage: With its reasonably low payout ratio (40.4%), 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 (60yo)





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

CEO Compensation Analysis

Compensation vs Market: Tom's total compensation ($USD687.98K) is about average for companies of similar size in the US market ($USD615.59K).

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

Leadership Team

Thomas Wiseman
CEO & Director7.92yrsUS$687.98k0.58% $780.6k
Larry Miller
President0.92yrUS$423.41k0.32% $433.0k
Scott Shockey
Senior VP & CFO15.33yrsUS$241.77k0.18% $238.8k
Katrinka Hart-Harris
Senior Vice President25.25yrsUS$241.73k0.36% $494.2k
Tommy Shepherd
Senior VP & Secretary0.92yrno data0.16% $217.7k
Cindy Johnston
Assistant Secretary25.25yrsno datano data
Jennifer Osborne
Vice President16.25yrsno datano data
Bryan Martin
Vice Presidentno datano datano data
Frank Davison
Vice President9.33yrsno datano data
Gabriel Stewart
Chief Information Security Officer & VP of Ohio Valley Bankno datano datano data


Average Tenure


Average Age

Experienced Management: OVBC's management team is seasoned and experienced (12.3 years average tenure).

Board Members

Thomas Wiseman
CEO & Director7.92yrsUS$687.98k0.58% $780.6k
Larry Miller
President0.92yrUS$423.41k0.32% $433.0k
Jeffrey Smith
Chairman of the Board7.92yrsUS$375.49k0.60% $814.6k
Harold Howe
Independent Director15.25yrsUS$89.78k0.31% $414.8k
Anna Barnitz
Independent Director17.25yrsUS$73.88k0.13% $175.3k
Brent Saunders
Independent Director17.25yrsUS$98.52k0.17% $233.3k
David Thomas
Lead Independent Director10.25yrsUS$97.44k0.11% $147.2k
Edward Robbins
Independent Director3.17yrsUS$34.83k0.068% $92.3k
Brent Eastman
Independent Director4yrsUS$34.46k1.41% $1.9m
Kimberly Canady
Independent Director3.17yrsUS$38.96k0.0056% $7.6k


Average Tenure


Average Age

Experienced Board: OVBC's board of directors are considered experienced (9.1 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 company bio, 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
  • Market Cap: US$135.485m
  • Shares outstanding: 4.79m
  • Website:

Number of Employees


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


TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
OVBCNasdaqGM (Nasdaq Global Market)YesCommon StockUSUSDOct 1994


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 also 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 boxes, wire transfers, credit card services, 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 machine (ATM) services, consumer finance, seasonal tax refund loan services, and commercial property and various liability insurance services, as well as trust services. As of January 29, 2019, it operated 19 offices in Ohio and West Virginia; and Loan Central with 6 consumer finance offices in Ohio. The company owns and operates 37 ATMs, including 20 off-site ATMs. Ohio Valley Banc Corp. was founded in 1872 and is headquartered in Gallipolis, Ohio. 

Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/04/08 03:56
End of Day Share Price2020/04/07 00:00
Annual Earnings2019/12/31

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.