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Upturn AI SWOT - About
OVBC 
Ohio Valley Banc Corp (OVBC)
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Upturn Advisory Summary
06/30/2025: OVBC (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $0
1 Year Target Price $0
| 0 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -18.97% | Avg. Invested days 27 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 142.18M USD | Price to earnings Ratio 11.26 | 1Y Target Price - |
Price to earnings Ratio 11.26 | 1Y Target Price - | ||
Volume (30-day avg) - | Beta 0.12 | 52 Weeks Range 18.89 - 40.74 | Updated Date 06/29/2025 |
52 Weeks Range 18.89 - 40.74 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 3.04% | Basic EPS (TTM) 2.68 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 20.43% | Operating Margin (TTM) 35.03% |
Management Effectiveness
Return on Assets (TTM) 0.87% | Return on Equity (TTM) 8.37% |
Valuation
Trailing PE 11.26 | Forward PE - | Enterprise Value 69490008 | Price to Sales(TTM) 2.3 |
Enterprise Value 69490008 | Price to Sales(TTM) 2.3 | ||
Enterprise Value to Revenue 2.98 | Enterprise Value to EBITDA - | Shares Outstanding 4711000 | Shares Floating 3706851 |
Shares Outstanding 4711000 | Shares Floating 3706851 | ||
Percent Insiders 19.72 | Percent Institutions 18.62 |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Ohio Valley Banc Corp
Company Overview
History and Background
Ohio Valley Banc Corp. was founded in 1872 and has grown through organic expansion and acquisitions, focusing on community banking in the Ohio Valley region.
Core Business Areas
- Community Banking: Offers traditional banking services, including checking and savings accounts, loans, and mortgages to individuals and businesses.
- Wealth Management: Provides investment management and trust services.
- Insurance Services: Offers a range of insurance products.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other key executives. The organizational structure is typical of a community bank holding company.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses in the Ohio Valley region. Market share data is not publicly available. Competitors include other regional and national banks like PNC, Huntington, and Fifth Third.
- Residential Mortgages: Mortgages for homes in the Ohio Valley region. Market share data is not publicly available. Competitors include other regional and national mortgage lenders.
- Deposit Accounts: Checking and savings accounts for individuals and businesses. Market share data is not publicly available. Competitors include other regional and national banks.
Market Dynamics
Industry Overview
The banking industry is facing increased regulation, technological disruption, and competition from non-bank financial institutions.
Positioning
Ohio Valley Banc Corp. is a community bank focused on providing personalized service and local expertise. Its competitive advantage lies in its strong relationships with customers in its geographic market.
Total Addressable Market (TAM)
The total addressable market for banking services in the Ohio Valley region is estimated to be several billion dollars. Ohio Valley Banc Corp is positioned to capture a portion of this market through its local presence and customer relationships.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Personalized customer service
- Experienced management team
- Long-standing reputation
Weaknesses
- Limited geographic reach
- Smaller scale compared to national banks
- Dependence on local economy
- Lower technology budget
Opportunities
- Expanding into new markets within the Ohio Valley region
- Adopting new technologies to improve efficiency
- Acquiring smaller community banks
- Growing wealth management business
Threats
- Increased competition from national banks
- Economic downturn in the Ohio Valley region
- Rising interest rates
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- PNC
- FITB
- HBAN
Competitive Landscape
Ohio Valley Banc Corp. competes with larger national banks and other regional banks. Its advantage is its local focus and personalized service.
Growth Trajectory and Initiatives
Historical Growth: Ohio Valley Banc Corp's growth has been steady, driven by organic expansion and acquisitions.
Future Projections: Requires analyst estimates. Future growth is expected to be moderate, driven by continued expansion in the Ohio Valley region.
Recent Initiatives: Recent initiatives likely include investments in technology and expansion of wealth management services.
Summary
Ohio Valley Banc Corp. is a stable community bank with a strong presence in the Ohio Valley. While it faces competition from larger banks, its focus on personalized service and local expertise provides a competitive advantage. Future growth will depend on its ability to adapt to technological changes and manage risk effectively. Its geographic limitations pose a potential headwind.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings (Form 10-K, 10-Q)
- Industry Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is estimated and may not be precise. Future performance is not guaranteed.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Ohio Valley Banc Corp
Exchange NASDAQ | Headquaters Gallipolis, OH, United States | ||
IPO Launch date 1996-02-09 | President, CEO & Director Mr. Larry E. Miller II | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 252 | Website https://www.ovbc.com |
Full time employees 252 | Website https://www.ovbc.com | ||
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.
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