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Upturn AI SWOT - About
OVBC 
Ohio Valley Banc Corp (OVBC)
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Upturn Advisory Summary
08/28/2025: OVBC (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit -11.31% | Avg. Invested days 30 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/28/2025 |
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 |
Upturn AI SWOT
Ohio Valley Banc Corp
Company Overview
History and Background
Ohio Valley Banc Corp. was founded in 1872 and is headquartered in Gallipolis, Ohio. It operates as the holding company for the Ohio Valley Bank, which provides commercial and retail banking services. Over time, it has grown through acquisitions and expansions within the Ohio Valley region.
Core Business Areas
- Commercial Banking: Offers loans, lines of credit, and other financial services to businesses of various sizes.
- Retail Banking: Provides deposit accounts, mortgages, consumer loans, and other financial products to individuals and families.
- Wealth Management: Provides trust and investment advisory services.
Leadership and Structure
The leadership team includes the Chief Executive Officer, Chief Financial Officer, and other senior executives. The organizational structure is typical of a regional bank holding company, with various departments responsible for different aspects of the business.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provide capital for businesses to expand operations, purchase equipment, or manage working capital. Market share data is difficult to obtain precisely for individual product lines. Competitors include larger regional and national banks.
- Mortgage Loans: Enable individuals to purchase or refinance homes. Market share is variable depending on local market conditions. Competitors include national mortgage lenders and credit unions.
- Deposit Accounts: Checking, savings, and money market accounts for both individuals and businesses. Competitors include credit unions, online banks, and larger national banks.
Market Dynamics
Industry Overview
The banking industry is currently navigating a period of fluctuating interest rates, increasing regulatory scrutiny, and evolving customer expectations driven by technology. Consolidation is occurring, and competition from non-bank financial institutions is increasing.
Positioning
Ohio Valley Banc Corp. is a regional bank focused on community banking, relationship-based service, and local market expertise. Its competitive advantages include strong customer loyalty and knowledge of the local economy.
Total Addressable Market (TAM)
The TAM for community banking in the Ohio Valley region is estimated to be in the billions of dollars. Ohio Valley Banc Corp. is positioned to capture a share of this TAM through its local presence and customer relationships.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Customer loyalty
- Community banking focus
- Experienced management team
Weaknesses
- Limited geographic reach
- Reliance on traditional banking model
- Smaller scale compared to national banks
- Potential IT security vulnerabilities
Opportunities
- Expand into new markets within the Ohio Valley region
- Develop new digital banking products and services
- Acquire smaller community banks
- Increase focus on wealth management services
Threats
- Increasing competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn in the Ohio Valley region
- Regulatory changes
Competitors and Market Share
Key Competitors
- Huntington Bancshares (HBAN)
- Fifth Third Bancorp (FITB)
- PNC Financial Services (PNC)
Competitive Landscape
Ohio Valley Banc Corp. competes with larger regional and national banks. Its advantages include a strong local presence and customer relationships. Its disadvantages include a smaller scale and limited geographic reach.
Major Acquisitions
Liberty Bancorp, Inc.
- Year: 2014
- Acquisition Price (USD millions): 17.8
- Strategic Rationale: Expansion into Jackson, Ohio market and enhancement of their footprint in the Ohio Valley region.
Growth Trajectory and Initiatives
Historical Growth: Ohio Valley Banc Corp. has grown steadily through organic growth and strategic acquisitions.
Future Projections: Future growth projections can only be obtained from analyst reports and financial news sources.
Recent Initiatives: Please refer to Ohio Valley Banc Corp's investor relations materials for recent strategic initiatives.
Summary
Ohio Valley Banc Corp is a stable community bank with a strong local presence and customer loyalty. It faces challenges from larger competitors and the need to adapt to digital banking. The company's focus on relationship banking and local market knowledge provides a competitive advantage. To maintain growth, Ohio Valley Banc Corp needs to continue to innovate and expand its services.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company website
- Financial news sources
- Analyst reports
Disclaimers:
The data and analysis provided are based on publicly available information and are for informational purposes only. It is not financial advice. Please conduct your own research before making any investment decisions.
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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