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Upturn AI Summary - About
Ohio Valley Banc Corp(OVBC)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for OVBC
10/30/2026: OVBC (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Ohio Valley Banc Corp is a long-standing regional bank holding company providing essential retail and commercial financial services primarily in Ohio and West Virginia. The company is known for its conservative management and a unique diversified revenue stream through its consumer finance and tax preparation business, Loan Central. While the firm benefits from strong community loyalty, it faces risks related to geographic concentration, regional economic health, and intense competition from larger, tech-enabled financial institutions. The stock is best suited for income-focused investors who prioritize stable dividends. Investors should closely monitor the company's ability to navigate interest rate fluctuations and its success in digital platform modernization to maintain competitiveness.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Weak fit | The company focuses on steady, conservative banking operations rather than high-growth initiatives. |
| Momentum investor | Weak fit | The stock typically exhibits lower volatility and lacks the high-velocity trading patterns sought by momentum investors. |
| Value investor | Mixed fit | Valuation is often attractive, though the low liquidity of the stock can be a limiting factor. |
| Dividend investor | Strong fit | The company maintains a reliable dividend policy, making it suitable for long-term income-focused portfolios. |
| Low-risk investor | Strong fit | Conservative management and community-based banking focus result in a relatively stable risk profile. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Low | The stock typically experiences lower fluctuations compared to the broader market. |
| Valuation risk | Low | Current valuations are generally in line with regional banking peers. |
| Competition risk (Banking) | Medium / high | Large regional banks possess superior scale and digital infrastructure. |
| Business quality | Medium | Consistent operations, but limited by geographic concentration. |
| Dividend income | Medium | Reliable income, though payout growth is dependent on earnings. |
| Execution risk | Low | The business model is well-understood and stable. |
Price Behavior
Steady Uptrend
The stock demonstrates consistent and steady upward price momentum.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit 6.67% | Avg. Invested days 35 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 10/30/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 227.16M USD | Price to earnings Ratio 15.71 | 1Y Target Price - |
Price to earnings Ratio 15.71 | 1Y Target Price - | ||
Volume (30-day avg) 22.0K shares | Beta 0.03 | 52 Weeks Range 34.05 - 54.36 | Updated Date 11/01/2026 |
52 Weeks Range 34.05 - 54.36 | Updated Date 11/01/2026 | ||
Dividends yield (FY) 1.97% | Basic EPS (TTM) 3.07 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans (mortgages, commercial) minus interest paid on deposits. | The bank earns the difference between the interest it charges borrowers and what it pays to savers. |
| Fee-Based Income | Tax preparation services (Loan Central), service charges, and financial planning fees. | Income generated from non-lending services provides a helpful buffer against interest rate cycles. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-27 | When - | Estimate - | Actual 0.7 |
Profitability
Profit Margin 22.85% | Operating Margin (TTM) 26.68% |
Management Effectiveness
Return on Assets (TTM) 0.9% | Return on Equity (TTM) 8.66% |
Valuation
Trailing PE 15.71 | Forward PE 9.69 | Enterprise Value 198.50M | Price to Sales(TTM) 3.59 |
Enterprise Value 198.50M | Price to Sales(TTM) 3.59 | ||
Enterprise Value to Revenue 3.74 | Enterprise Value to EBITDA - | Shares Outstanding 4.71M | Shares Floating 3.35M |
Shares Outstanding 4.71M | Shares Floating 3.35M | ||
Percent Insiders 20.42 | Percent Institutions 31.66 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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