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Upturn AI SWOT - About
OVBC 
Ohio Valley Banc Corp (OVBC)
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Upturn Advisory Summary
09/16/2025: 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 -10.32% | Avg. Invested days 32 | 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 09/16/2025 |
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 based in Gallipolis, Ohio. It has grown through organic expansion and strategic acquisitions, focusing on community banking in the Ohio Valley region.
Core Business Areas
- Community Banking: Provides traditional banking services to individuals and businesses, including deposit accounts, loans, and other financial products.
- Wealth Management: Offers wealth management and trust services to individuals and families.
- Insurance Services: Provides insurance products.
Leadership and Structure
The leadership team consists of experienced banking professionals. The organizational structure is typical of a community bank holding company, with a board of directors overseeing management.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses in the Ohio Valley region. Market share data is difficult to pinpoint precisely, but OVBC competes with other community and regional banks. Competitors include Wesbanco, Huntington Bancshares.
- Residential Mortgages: Mortgage loans to individuals in the Ohio Valley region. Market share data is difficult to pinpoint precisely, but OVBC competes with other community and regional banks. Competitors include Wesbanco, Huntington Bancshares.
- Deposit Accounts: Checking, savings, and other deposit accounts for individuals and businesses. Market share data is difficult to pinpoint precisely, but OVBC competes with other community and regional banks. Competitors include Wesbanco, Huntington Bancshares.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to interest rate volatility, regulatory changes, and increasing competition from fintech companies.
Positioning
Ohio Valley Banc Corp is positioned as a community bank, emphasizing customer service and local knowledge. Its competitive advantage lies in its deep understanding of the local market and its long-standing relationships with customers.
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 portion of this market through its community-focused approach and local expertise.
Upturn SWOT Analysis
Strengths
- Strong community relationships
- Local market expertise
- Experienced management team
- Conservative lending practices
Weaknesses
- Limited geographic diversification
- Smaller asset base compared to larger banks
- Dependence on local economy
- Limited investment in technology
Opportunities
- Expansion into new markets within the Ohio Valley region
- Increased adoption of digital banking technologies
- Acquisition of smaller banks
- Growth in wealth management business
Threats
- Economic downturn in the Ohio Valley region
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- WesBanco (WSBC)
- Huntington Bancshares (HBAN)
- Fifth Third Bancorp (FITB)
Competitive Landscape
Ohio Valley Banc Corp has the advantages of community ties, but is at a disadvantage in terms of scale versus the larger banks.
Growth Trajectory and Initiatives
Historical Growth: Discuss Ohio Valley Banc Corp's growth trends over the past years using data from financial reports.
Future Projections: Provide projections for Ohio Valley Banc Corp's future growth based on analyst estimates.
Recent Initiatives: Highlight recent strategic initiatives undertaken by Ohio Valley Banc Corp.
Summary
Ohio Valley Banc Corp is a community bank with deep roots in the Ohio Valley. Its strengths lie in its local relationships and knowledge. However, it faces challenges from larger competitors and the need to adapt to changing technologies, with the potential to capitalize on regional economic growth and strategic acquisitions.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings (e.g., 10-K, 10-Q)
- Analyst reports
- Industry reports
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market share data is estimated and may not be precise.
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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