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OVBC 
Ohio Valley Banc Corp (OVBC)
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Upturn Advisory Summary
12/01/2025: 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 -16.5% | Avg. Invested days 31 | 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 12/01/2025 |
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 established in 1872 in Gallipolis, Ohio. It has evolved from a small community bank into a regional financial services provider, focusing on serving the Ohio Valley region. Over the years, it has expanded its services and branch network to meet the growing needs of its customers.
Core Business Areas
- Community Banking: Provides traditional banking services including checking, savings, loans, and mortgages to individuals and small businesses.
- Wealth Management: Offers investment management, financial planning, and trust services to individuals and families.
- Insurance Services: Provides insurance products and services through its subsidiaries.
Leadership and Structure
Ohio Valley Banc Corp is led by a board of directors and a senior management team. The organizational structure is typical of a community banking institution, with various departments responsible for different aspects of the business.
Top Products and Market Share
Key Offerings
- Mortgage Loans: Offers a variety of mortgage loan products to individuals for home purchases and refinancing. The market is highly competitive, with competitors including national banks, credit unions, and mortgage companies. Market share information is difficult to find specifically for OVB in this product category.
- Commercial Loans: Provides commercial loans to small and medium-sized businesses in the Ohio Valley region. Competitors include larger regional banks and national banks. Market share information is difficult to find specifically for OVB in this product category.
- Deposit Accounts: Offers a range of deposit accounts including checking, savings, and money market accounts. Competitors include other local banks and credit unions. Market share information is difficult to find specifically for OVB in this product category.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to interest rate volatility, increasing regulatory scrutiny, and competition from fintech companies. Community banks face additional pressure to maintain profitability while competing with larger institutions.
Positioning
Ohio Valley Banc Corp is positioned as a community-focused bank serving the Ohio Valley region. Its competitive advantages include local expertise, personalized service, and strong customer relationships.
Total Addressable Market (TAM)
The TAM for banking services in the Ohio Valley region is estimated to be in the billions of dollars. Ohio Valley Banc Corp aims to capture a significant portion of this market by focusing on its local expertise and customer service.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Excellent customer service
- Experienced management team
- Long-standing community relationships
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Dependence on local economy
- Lower technology investment than larger peers
Opportunities
- Expansion into adjacent markets
- Increased adoption of digital banking solutions
- Growth in wealth management services
- Partnerships with fintech companies
Threats
- Increased competition from larger banks
- Economic downturn in the Ohio Valley region
- Rising interest rates
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- FRME
- CFBK
- WTFC
Competitive Landscape
Ohio Valley Banc Corp competes with larger regional and national banks. Its advantages include local knowledge and personalized service, while its disadvantages include limited scale and resources.
Growth Trajectory and Initiatives
Historical Growth: Historical growth would be based on a retrospective of annual revenue, profits, and customer growth, which I don't have access to right now.
Future Projections: Future projections would be based on analysts' estimates, requiring access to financial data services.
Recent Initiatives: Recent initiatives would be reported in the company's releases and presentations.
Summary
Ohio Valley Banc Corp is a community-focused bank with a strong local presence. Its customer service and long-standing relationships are working well. It needs to watch out for competition from larger banks and economic conditions. Further investments in technology would greatly benefit the company's financial position.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports (limited due to lack of specific OVBC data)
Disclaimers:
The analysis is based on publicly available information and general industry knowledge. Specific financial data and market share estimates may not be readily available. Analyst estimates and future projections are subject to change.
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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